Questions answered by Stephen M Trezza

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Do I have to pay penalties and legal fees for late payment when I did not receive requests for paymentj7

Stephen's answer | Answered on July 02, 2011

I guess you get to choose between paying the fees demanded or defending yourself based upon principal. Dollar and cents wise it will be less...

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If the divorce papers state that my wife is required to pay half the debt and she files for bankruptcy after the divorce

Stephen's answer | Answered on July 02, 2011

Anything that can be interpreted as a domestic support obligation, the the debt you describe in your question, is generally nondischargable in...

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My sister received a bill from comcast which her roommates were to pay. She is now in collections because they refused to pay.

Stephen's answer | Answered on July 02, 2011

Your sister made a bad deal and now she is on the hook. Cancel the service and pay the bill. Do you really think pursuing legal action against...

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How to recover loan paid to a friend without any contract?

Stephen's answer | Answered on July 02, 2011

You can a breach of contract lawsuit in small claims court. Contracts for that amount of money do not have to be in writing. Take her to court.

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My car was repoed 3 days ago and im trying to get my personal property back from them but they arent allowing me to

Stephen's answer | Answered on July 02, 2011

They can not keep your personal belongings for an unreasonable amount of time. Keep pushing them and they will return the property.

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I RECIEVED A JUDGEMNT 4 YEARS AGO AND THE CREDITOR THAT HAS THE JUDGEMNT REFUSES PAYMENT THE SAY THE CASE IS CLOSED .

Stephen's answer | Answered on July 02, 2011

Maybe the original judgement creditor is out of business in which case you can write a letter to the credit bureaus demanding that they verify the...

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I set up a bank account in trust for my son (not under UGMA or UTMA), and may need to file Ch. 13. His Dad put all $ except $20

Stephen's answer | Answered on July 01, 2011

The title of the bank account is important. Does it read " your son's name and you as trustee"? If so than that is good evidence that you do not...

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I was served a Writ of Garnishment on June 3, 2011.My employer was received the Writ on the same day (verified via postmark) but

Stephen's answer | Answered on July 01, 2011

Your wages are attached as soon as the judge signs the Writ.

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I have been in Chapter 13 for about a year. Even though I married Only about a year before I went into Chapter 13.

Stephen's answer | Answered on July 01, 2011

If there is zero equity in the house it is safe in either chapter of bankruptcy. When you convert to chapter 7 you need to file an amended form...

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I have two judgements filed against me and can not afford an attorney. What are other options?

Stephen's answer | Answered on July 01, 2011

Both of these debts are dischargeable in bankruptcy. Find an attorney who offers a free consultation and go see if you qualify for chapter 7 then...

Stephen M Trezza's Answers (2005)

Do I have to pay penalties and legal fees for late payment when I did not receive requests for paymentj7

If the divorce papers state that my wife is required to pay half the debt and she files for bankruptcy after the divorce

My sister received a bill from comcast which her roommates were to pay. She is now in collections because they refused to pay.

How to recover loan paid to a friend without any contract?

My car was repoed 3 days ago and im trying to get my personal property back from them but they arent allowing me to

I RECIEVED A JUDGEMNT 4 YEARS AGO AND THE CREDITOR THAT HAS THE JUDGEMNT REFUSES PAYMENT THE SAY THE CASE IS CLOSED .

I set up a bank account in trust for my son (not under UGMA or UTMA), and may need to file Ch. 13. His Dad put all $ except $20

I was served a Writ of Garnishment on June 3, 2011.My employer was received the Writ on the same day (verified via postmark) but

I have been in Chapter 13 for about a year. Even though I married Only about a year before I went into Chapter 13.

I have two judgements filed against me and can not afford an attorney. What are other options?