A debt collector typically needs a court order to garnish wages. You didn't say whether this creditor has a court order. If there is a court order,...

It's the government. And as with most creditors, the government isn't required to track you down with their bloodhounds if you move without...

Creditors have had the absolute right to sell debts to third parties since ancient Rome. Debtors have no right to prevent them from doing so, and...

You may not HAVE to file bankruptcy at all. It might depend on whether any of your creditors sue you. It might depend on whether you have assets a...

Exemption laws determine what you can keep after filing a Chapter 7 bankruptcy. These laws vary widely and, for the most part, are set based on the...

Everyone wants to get the "best option" for free when they have only disclosed about 5% of what is happening. The volunteers on this site are...

There are too many variables to consider when answering your question in an online forum. For example, do you have assets not protected by an...

When something is collateral for a loan, the loan is secured by the collateral. Bankruptcy does not ordinarily remove this relationship. Someone...

You are not prohibited from applying for credit during an active Chapter 7 case. Unlike Chapter 13, you do not need Court permission to apply for...

The bankruptcy court typically regulates the fees for Chapter 13, although if your case requires extra work, the court will approve extra fees....