Archived
What can I do about, what I see as, an error on my credit file after disputing it several times and they keep confirming it?
Dane's answer
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Answered on July 21, 2014
First the fact that the bank show this as a charge off doesn't mean you don't owe the money. Charge off is simply an accounting term with tax...
Archived
Dispute a collection debt with previous leasing apartment.
Dane's answer
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Answered on July 21, 2014
If the account is now with a law office, they are professionals and will take full advantage of their superior knowledge of the law and procedure. ...
Archived
How do I collect on my money.
Dane's answer
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Answered on July 21, 2014
Sounds like you could easily spend more in court costs attempting to collect then you will ever recover. May not be worth pursuing unless you know...
Archived
Bankruptcy before Divorce
Dane's answer
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Answered on July 21, 2014
Divorce court is not going to make you wait until after the chapter 13 bankruptcy is discharged to divide property. Likewise how you treat items in...
Archived
Regarding property damage caused by the employee of a business. Is it best sue the business, or business owner?
Dane's answer
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Answered on July 19, 2014
Depends on how business is organized, d/b/a, sole proprietor, partnership, corporation, llc, etc. In most cases you will sue the business and...
Archived
My landlord has filed bankruptcy and house is in foreclosure, will I get my deposit back?
Dane's answer
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Answered on July 19, 2014
Don't move forward, move out. Issues with the landlord are a moot point if they filed bankruptcy and no longer own the house. You may have the...
Archived
I am head of household and lives another state and the cost of living has changed drastic can my wage garnishment be lowered?
Dane's answer
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Answered on July 19, 2014
If this garnishment causes you to fall behind on other payments, like rent, car payment, or utilities, your credit score will be damaged again and...
Archived
I am being garnished but I live in NC being garnished from GA can I file a head of household exemption?
Dane's answer
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Answered on July 19, 2014
Consider your overall financial situation. If you have other debts, even if current, and especially if you have other delinquent debts that may...
Archived
If a bank sells a loan to a collection company can personal guarantee signature carry over to the collection company?
Dane's answer
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Answered on July 19, 2014
Yes personal guarantees will still apply and can be enforced by the new holder of the debt. You should verify with your bank that they have in fact...
Archived
Can bankruptcy help me get my suspended drivers license back
Dane's answer
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Answered on July 18, 2014
Consult an experienced local bankruptcy attorney. Although the fines can not be discharged you be able to put them on a payment plan in a chapter...
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