Archived
MY NIECE HAD USED HER NAME ON CAR AND STUDENT LOANS . SHE DID SING A PAPER THAT SHE IS NOT RESPONSIBLE BUT IT STILL IN HER NAME
Matthew's answer
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Answered on February 25, 2013
Concur, not exactly sure what you are asking. If mom's name was forged, that is a real problem and will probably take a criminal or civil complaint...
Archived
Unable to make minimum payment on my credit card account. Need advice on how to proceed. Have made small payments for 3 months
Matthew's answer
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Answered on February 25, 2013
At least consult with a few bankruptcy attorneys.
If you have bills you can't pay, limited income with no sign of increasing, and nothing to...
Archived
Had 2009 foreclosure, received a letter of forgiveness for 2nd mortgage in 2012 , now have a (1099 c)form. what do we do?
Matthew's answer
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Answered on February 25, 2013
You file your taxes and you potentially have $40,000 of taxable income.
Download IRS Form 982 and the associated instructions to see if you...
Archived
Law firm handling my debt accepted my settlement offer but won't sign the written agreement I sent them. What to do next?
Matthew's answer
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Answered on February 25, 2013
Not uncommon. Generally, the collection agency/law firm will require that that settlement be prepared by them, they never sign one generated by the...
Archived
Is it a FDCPA violation for a collections agency to serve a summons without filing with the courts first?
Matthew's answer
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Answered on February 25, 2013
Colorado rules of procedure allow service of the summons and complaint prior to filing of the suit, and no, it is not a violation of FDCPA (the...
Archived
What is justified as a proper response to a Validation Letter sent to a creditor?
Matthew's answer
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Answered on February 25, 2013
FCRA doesn't define what constitutes verification, but courts set a relatively low bar. The response to a validation/verification must be...
Archived
Is paying off of a loan 6 months ago that I co-signed with my father going to cause problems in my chapter 7 filing?
Matthew's answer
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Answered on February 25, 2013
Since you were obligated on the loan, as a co-signer, probably not. But the answer will depend on the nature of the debt, how much you paid back,...
Archived
Why can a credit card company from 3 years ago garnish your wages.
Matthew's answer
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Answered on February 25, 2013
The only time a credit card company can garnish wages is after obtaining a judgment. Which means it must sue you first.
As for why, debtor...
Archived
Im in ca . chapter 13 and my lender filed for a motion for relief from automatic stay and wanted to know what happens next ?
Matthew's answer
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Answered on February 25, 2013
Since you say "locked out", I am assuming we are talking about a home.
Once the stay is granted, the lender generally picks up where it left...
Archived
Do I have to give Collection agency my tax info if they ask for it ?
Matthew's answer
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Answered on February 25, 2013
Unless the request is made as part of a court proceeding or by a court order, then no.
However, as a practical matter, you are trying to work...
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