Received a civil demand letter, is it too late to make a deal with them if the payment date has passed?

They should still work with your friend. Your friend needs to contact them immediately and let them know what is going on, as well as sending in...

Can I sue a person that has no large asset to cover amount owed? Person has been paying interest only but home is in sons name.

Hello, the main issue is collectability. You could file suit, and possibly get a judgment, but if the person has no money to pay you, you are...

If I file Ch 7 Bankruptcy can I keep my house. I am unemployed but I can make the payments with help from my family.

So long as you are able to make your house payments, you should be able to keep your house. The preceding was not offered as legal advice, but...

After signing a reaffirmation letter for a car can I still turn the car in?

Hello, I'm afraid it's too late. You had a deadline to rescind the reaffirmation such that it would no longer count. The deadline was 60 days...

I refinanced a car that was part of bankruptcy, can i still surrender this to the bank without issues ?

Hello, If you refinanced the vehicle after you filed the bankruptcy, it would be a new debt that is not covered by the bankruptcy. You would...

You can convert your case to chapter 13. In some jurisdictions, the Trustee could object to the conversion based on bad faith, but that is...

My house was in foreclosure, so I filled chapter 13. If my case is dismissed, what right does the mortgage co. have and how fast

Hello, The automatic stay ends the moment your case is dismissed. Without the stay, the mortgage company has the right to move forward with...

Do I need a debt consolidation lawyer

You should certainly speak with an attorney to see what he or she could offer in terms of representing you with respect to the lawsuit, as well as...

Please explain a charge off- can I get sued, do I have to pay the money still?

Hello, There is no such thing as a primary/secondary when it comes to responsibility for the payment of a credit card debt. A chargeoff is the...

It depends on the law of your jurisdiction. Many states allow for alternative service methods such as the one you describe, if attempts to serve...