What are the laws regarding phone calls from a first party collection company?

My understanding is that under Texas law, your creditor can continue to call you. The federal Fair Debt Collection Practices Act (FDCPA) only...

Can I file for Chapter7?

From the facts that you provided, yes you probably qualify to file for chapter 7.

A properly recorded abstract of judgment in Texas creates a lien on all real estate that you own in the county where it is recorded, except for...

What are me legal recourses?

The best way to ask for information or raise a dispute with your mortgage company is in writing, not by phone. A Qualified Written Request, or QWR,...

Can I terminate my agreement with a debt settlement company and withdraw my money?

You should read your contract and see what their refund policy is. You can also call or email them and request a refund, we have had clients have...

THE DEPARTMENT OF EDUCATION HAVE BEEN TAKEN 29,000 FROM A WANT 24,113 MORE ON A 22,000 LOAN

Federal student loans accrue interest and if not paid according to your original agreement, can also involve sizable collection costs. So it's...

How can I eliminate current debt when a debt collector files a judgement in court?

To answer your question abouit how to eliminate current debt when a debt collector has a judgment against you in court, the simplest and cheapest...

Wages earned within 180 days of the bankruptcy filing up to $12850 per person are a priority debt and may be paid ahead of most other creditors in...

Chapter 13 and rent

Yes, a lease that is in default can be cured and assumed through a chapter 13 plan. However you must make the future rent payments timely, and cure...

Can a person in bankruptcy get married? If so, does the spouse become responsible for the incurred debt at the time of marriage?

Yes if you are in bankruptcy, you can get married. No your spouse does not become liable for your debts just because you marry. But if you are...