Questions answered by Dane L Hines

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My signature was forged on a Gov. Loan App. It is a $20,109. bal and I am the co-signer. How can I get out?

Dane's answer | Answered on July 11, 2014

You would need to prove, usually in court that you didn't sign the loan. If/when you are sued you will need to retain an experienced debt...

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If my sister died with out a will does her credit card and medical debt need to be paid

Dane's answer | Answered on July 11, 2014

Upon her death , anything she owned belongs to her "estate". In most cases the "estate" must pay debts before any property can be distributed to...

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I have a unpaid toll violation in the state of Illinois that has been turned over to a collection agency back in 2010.

Dane's answer | Answered on July 11, 2014

If you really can't workout any payment plan and need until 2015, you may benefit form a chapter 13 bankruptcy plan which proposes to pay the...

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Can a creditor hold my husband indebted to my debt which occurred prior to our marriage through an AP Judgment?

Dane's answer | Answered on July 11, 2014

Generally your husband would not be liable for a debt incurred solely by you before marriage just because you got married. To know if they are...

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HOA gave me 30 days to pay and now after 15 they sent me a letter stating an intent to lien property

Dane's answer | Answered on July 11, 2014

If you are closing on the 21st the closing agent/title insurer/examiner will check for lien filings and they will have to be paid at closing to...

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If I have a judgment against me for a truck that was let go can they take the money in my bank account or car

Dane's answer | Answered on July 11, 2014

Yes a creditor can take money from your bank account and garnish wages at your employment, and sell personal items like your car. You have some...

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I put a truck in my name for my son who let it go back. Now they have filed on me can they garnish my wages or freeze my bank

Dane's answer | Answered on July 11, 2014

As the other answers have made clear, yes they can take all lawful means to collect the debt. The sooner you respond the better, you my be able to...

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What is a "judgement" exactly

Dane's answer | Answered on July 11, 2014

To add to the other answers. Once a creditor has a judgment saying that you owe them money, they can collect the money owed by garnishing your pay...

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Student loan collection company claiming I still owe debt to them.

Dane's answer | Answered on July 11, 2014

If the problem is something being reported on your credit which you believe is incorrect you can write to the individual credit bureaus to dispute...

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Is an AP summons on a BK7 valid if it was filed after the stated Objection deadline on Form 9A?

Dane's answer | Answered on July 11, 2014

it is possible that the complaint was filed on time even if the Summons was issued latter. You need to verify with the Court when the complaint was...

Dane L Hines's Answers (467)

My signature was forged on a Gov. Loan App. It is a $20,109. bal and I am the co-signer. How can I get out?

If my sister died with out a will does her credit card and medical debt need to be paid

I have a unpaid toll violation in the state of Illinois that has been turned over to a collection agency back in 2010.

Can a creditor hold my husband indebted to my debt which occurred prior to our marriage through an AP Judgment?

HOA gave me 30 days to pay and now after 15 they sent me a letter stating an intent to lien property

If I have a judgment against me for a truck that was let go can they take the money in my bank account or car

I put a truck in my name for my son who let it go back. Now they have filed on me can they garnish my wages or freeze my bank

What is a "judgement" exactly

Student loan collection company claiming I still owe debt to them.

Is an AP summons on a BK7 valid if it was filed after the stated Objection deadline on Form 9A?