Archived
If I'm on ch13 bankruptcy and the Trustee takes my tax return, will that money go towards what's owed?
Dorothy's answer
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Answered on January 20, 2011
It is pretty typical for the Chapter 13 Plan to provide that you turn over your tax refund each year. The money does not go towards reducing the...
Archived
What specifically happens after the 341 meeting (Chapter 7)
Dorothy's answer
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Answered on January 20, 2011
You should be able to retain your vehicle by continuing to make the same payments as before. Your loan company may present you with a...
Archived
Can i file bankruptcy against a auto injury lien that was my fault?
Dorothy's answer
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Answered on January 20, 2011
Unless you were also cited for driving under the influence, this type of debt would be eligible to be eliminated in Bankruptcy.
Hope this...
Archived
I have received collection calls for a debt that my married 32 year old daughter has, demanding I pay the debt.3 to 5 calls a wk
Dorothy's answer
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Answered on January 20, 2011
Are these "robo calls" from a computer? You won't be able to stop them until you talk to a real person. So call them & explain that you are not...
Archived
Can a debt collector press criminal charges against you.
Dorothy's answer
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Answered on January 20, 2011
Creditors lie!
In my state, collectors are regulated by a state agency. If you have a state agency that regulates collectors in your state,...
Archived
Ok so I have back taxes I owe for 2007 and I filed bankruptcy on Jan 5, 2011. will they be dischargealbe this year or do I have
Dorothy's answer
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Answered on January 20, 2011
Did you file the return on time? If so, then you should have waited to file your bankruptcy until after April 15 & not filed Bankruptcy on January...
Archived
Is surviving spouse liable for unpaid medical bills of deceased spouse in North Carolina? Can a lien be placed on home/autos?
Dorothy's answer
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Answered on January 20, 2011
In many states, spouse's are responsible for each others medical debts. If so, and if the creditor sues to collect, bank accounts can be attached,...
Archived
Is it illegal for me to send a letter to a collection agency giving them a false address?
Dorothy's answer
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Answered on January 20, 2011
As far as I know, lying has never been a crime, unless it is to the police or while you are under oath.
But your lie is sort of stupid. The...
Archived
If I owe a debt, can a garnishment be placed against my assets without any prior contact?
Dorothy's answer
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Answered on January 20, 2011
Once a creditor obtains a judgment, they no longer have any legal obligation to provide you with notice before they collect.
To find out where...
Archived
If I file for bankrupcy after a divorce can the creditors go after the ex for payment if account has both our names on it?
Dorothy's answer
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Answered on January 20, 2011
When one person on a debt files bankruptcy, the creditors can try to collect from any other person on the account. The divorce decree isn't a...
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