Questions answered by Matthew Scott Berkus

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I'm continuing to pay my mortgage despite it being discharged in my BK7. What can I do to get it reported to the credit bureaus?

Matthew's answer | Answered on July 22, 2013

Credit reporting is up to the lender. This question gets asked about once or twice week here. So long as the information being reported is true...

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Some one(law firm) just froze my account,due to a passed credit card bill.can they do that without a trial?

Matthew's answer | Answered on July 22, 2013

Your question really isn't "can" they...obviously the answer is yes, because they did. A creditor cannot levy a bank account without getting a...

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If someone files for bankruptcy on their house, can the bank ask for money for replacement of items.

Matthew's answer | Answered on July 22, 2013

To be most generous to you, the point is arguable. I am sure you aware of the maxim, ignorance of the law is no excuse. Honestly, it is rare for a...

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I destroyed my credit do to mental illness. within a six month period. What type of bankruptcy do i file? Where do I start?

Matthew's answer | Answered on July 22, 2013

It is not a question of "qualifying" for bankruptcy, it is question of what will happen if you file. Anyone who resides in the U.S. and is alive...

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I would like to have my collections account removed from my record.

Matthew's answer | Answered on July 22, 2013

It is up to their discretion. You cannot force the issue. Despite all the negotiation and offers, if they don't want to remove the entries, they...

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Can I file bankruptcy on a judgment where my wages are being garnished

Matthew's answer | Answered on July 22, 2013

Yes, it is possible. However, bankruptcy is a comprehensive process. You don't simply file bankruptcy on a single debt. A bankruptcy will stop a...

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In Wa State, can wages be garnished over a judgment you had no knowledge about over an incident that happened over 10 years ago

Matthew's answer | Answered on July 22, 2013

Keep in mind, it is the judgment that gives the plaintiff the right to garnish. Also, the judgment will contain provisions on interest accruing...

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I went to school in England. According to my credit report I have $240,000 of student loans? paying on most, some in collection

Matthew's answer | Answered on July 22, 2013

No inherent statute of limitations on the collection of student loans. The only silver lining is that "private" student loans are subject to a...

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Can you rehabilitate a defaulted private (alternative) loan?

Matthew's answer | Answered on July 22, 2013

There is no formal program to rehab private student loans. Basically, what happens is subject to negotiation with whomever is servicing the...

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Do most attorneys attend the Creditors Meeting?

Matthew's answer | Answered on July 22, 2013

Maybe clarify, did the attorney say that "no attorney" would be there, or that only "he" wouldn't be there. The answer depends on local...

Matthew Scott Berkus's Answers (15939)

I'm continuing to pay my mortgage despite it being discharged in my BK7. What can I do to get it reported to the credit bureaus?

Some one(law firm) just froze my account,due to a passed credit card bill.can they do that without a trial?

If someone files for bankruptcy on their house, can the bank ask for money for replacement of items.

I destroyed my credit do to mental illness. within a six month period. What type of bankruptcy do i file? Where do I start?

I would like to have my collections account removed from my record.

Can I file bankruptcy on a judgment where my wages are being garnished

In Wa State, can wages be garnished over a judgment you had no knowledge about over an incident that happened over 10 years ago

I went to school in England. According to my credit report I have $240,000 of student loans? paying on most, some in collection

Can you rehabilitate a defaulted private (alternative) loan?

Do most attorneys attend the Creditors Meeting?