Orignal creditor didn't authorize default judgement from junk debt buyer? Now what?

You have a judgment against you. That is where your energies need to be focused. The ONLY way to deal with it is to file a motion to set aside the...

The least expensive way is to consult with 3 attorneys and hire the attorney you are most comfortable with. Cost should not be the driving factor...

Statute of limitations for revolving debt. Is the statute in regarding to revolving credit debt 3 years or 6 years? (see below)

Revolving debt is 6 years in CO. Here is my article on the topic that attempts to explain the difference. Hopefully it will help clarify....

Original debt collector won judgment 15 days before SOL. New Debt collector took over case. Does new dc have to validate debt?

The "judgement" is the validation. FDCPA (at least the federal version) doesn't require them to prove assignment. All validation is, is...

I am filing chapter 7 bankruptcy, and I have 2 questions regarding money belonging to my mother...

The trustee cannot take assets that don't belong to you. Having your "name" on an account doesn't necessarily convey ownership of the money in the...

Do I have to pay the towns tax claim through the plan when paying the taxes through escrow already under Chapter 13 Bankruptcy?

That's a tough one. I have faced this issue, but the amounts involved are usually not worth fighting over (it would cost more in attorney fees than...

Sewer and water wouldn't normally be construed as "priority" claims, but they may very well be "secured" claims. Past due water and sewer claims in...

Can a bank issue 1099-A and Subsequently Try To Collect?

You are confusing a 1099-A with a 1099-C. A 1099-A has NOTHING to do with the mortgage debt. A 1099-A simply reports that a transfer of real estate...

Repercussions to discharging past-due HOA fees in ch.7 if I'm keeping the property

If they are to to point of garnishing your wages, then the HOA has probably already perfected its lien. If that is the case, a bankruptcy won't...

I am defaulted on my student loans. If I get married, can the government garnish my husband's wages or seize his property?

Since you state your state of residence as CA, the answer is "potentially yes." CA is a community property state. Even though your loans are...