Is it true you can file for chapter 7 without waiting the 8 year period from last filing/discharge

As previously mentioned, you must wait 8 years from filing date to filing date. I know of no exceptions in the code. You are eligible for a...

If i voluntarily turn my car back in can the bank sue for balance of loan or garnish my income?

In TX, they will not garnish your income but you will be liable for the deficiency between the repossession and the balance.

I would need a little more information but send a certified cease and desist letter. FDCPA does not apply to original creditors and only applies...

Can a debt collector for a payday loan company turn a check in to the DA office as a hot check? The total debt was not paid.

The answer is it is deemed an extension of credit and not a hot check. I have seen pay day loans turn them over anyway and you end up having to...

Is there any way to stop foreclosure, filing bankruptcy for example?

Chapter 13 is a possibility. If you can get a loan modification/refinance, it may be a better option. You need to contact the modification...

What is the best way to start a business with bad credit and no money?

The primary answer is to bootstrap the business and pay as you go. The ability to do this will be determined on the type of business. Many...

I have a judgment against someone, can I collect his car and how?

You will not be able to garnish wages. His car is exempt under the Texas property code. If he has more cars than licensed drivers in the...

How do I go about collecting a loan back for a friend that was agreed upon verbally that he would repay the loan

You need to sue him. I see you are in Texas, depending on the amount, you can probably sue in a Justice of the Peace court under small claims. In...

What recourse do I have if my attorney did not file agreed upon post petition arrears? One month requested was excluded.

There needs to be more information to determine what happened. Usually, post petition arrears are not included unless an agreed order is reached...

If it is really $43,000 then bankruptcy may be a viable option. You should talk with a debt defense and/or a bankruptcy attorney. Be sure and...