I have written a settlement offer letter to the lawyer representing the original creditor but no response. What can I do?

If they have a wage garnishment, they have very little incentive to settle. And even then, the settlements they are likely to accept (after a...

Is $620/month excessive lawyer fees for collecting unpaid HOA dues. Also apply my monthly HOA pmt to back fees, is this legal?

You can't force them to settle with you or give you payment arrangements. As my colleague points out, the only way to do that is to file chapter 13...

CAN U HAVE 2 JUDGEMENTS ON THE SAME CREDIT CARD IN 2 DIFFERENT STATES??

Yes. In order to enforce a judgment from one state in a different state, the plaintiff must "domesticate the judgment." So, if you move from Ohio...

How can i remove a 6 year old dismissed chapter 13 bankruptcy???

Very confusing question, I hope you clarify it. On this issue, not sure how removing a 6 year old chapter 13 will save a home from foreclosure. The...

No. You are not obligated on the mortgage loan, so you are not a target of collection. Now, if you ultimately want to obtain clean title and take...

Is it legal for Student loans reaffirmed from dismissed ch13 be closed, then new accounts created and reported paid as agreed?

Here is the thing, I am not sure the alternative is better. The correct entry on your credit report are the entries that say "included in...

If you are sued and there is a judgment against you, can the judgment creditor put a judgment lien on

Yes. But has Kris points out, the lien only attaches to "your" interest in the property, not your spouses. Now, that may be of little comfort. The...

I set up a payment plan with PCR for a student loan, they have successfully obtained two payments so far, then they have

When they attempted to get the 3rd payment, was it declined? Granted, it is not unheard of for servicers to get wires crossed, but what you...

If my wife co-signs for her brothers student loans

No, you wouldn't be liable but that doesn't mean that if things go bad the default on the student loan won't "affect" you. First thing first, you...

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Can a money judgment be written to specifically preclude the debtor from including the judgment in Chapter 13?

I would be interested in seeing the case. As a general rule, a person cannot waive, or be forced to waive, the relief afforded them in bankruptcy....