In your written response to the court, you should assert as an affirmative defense that the collector is no longer authorized to collect this...

Any tax refund someone becomes entitled to receive while in a Chapter 13 is considered to be "estate property," or extra money that should have...

The terms of a 401K Plan determine the criteria to borrow from it. Speak with the Plan administration about the eligibility requirements. Hope this...

You seem to believe that you and your lawyer have the right to demand a reaffirmation. That's not the way things work in bankruptcy. The creditor...

When someone co-signs a loan, there is no such thing as a primary or secondary party. Both parties are equally responsible for the debt. The...

I often get calls from people who say the same thing you are saying. But when I read the court file, I see a different story. The problem arises...

Unfortunately, there is a big difference between "what you think" and what the law is. Your obligation to pay a student loan would only be eligible...

If you wish to borrow money for any reason or from any resource while in a Chapter 13, you need to obtain either your Trustee's or the Court's...

A pay-to-delete is a bribe. So you messed up there. The laws do not require a creditor to notify you that they intend to send an unpaid account to...

Garnish is a term that only applies to wages, and income from an annuity isn't wages. Absent a state exemption that protects an annuity, it is an...