Questions answered by Michael Salanick

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Do I need an attorney for a bank levy?

Michael's answer | Answered on February 02, 2012

Credit card collection, charge off, checking account hold and bank levy ... $25,000. Your options: (1) Motion to set aside (default)...

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If I'm writing to the credit bureaus to dispute/correct an item on my credit report, do I have to list my ss # and driver's lic

Michael's answer | Answered on January 30, 2012

Here is a checklist that former clients have found useful when attempting to fix credit report mistakes Incidentally, a 2004 study by the U.S....

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In chapter 7, is it in ANY way possible to get rid of a lien from a Home Equity Line of Credit on my home?

Michael's answer | Answered on January 27, 2012

In a Chapter 7, and if you want to remain in the home (aka, not surrender the home), then the answer is NO. Citation: Dewsnup v. Timm - 502...

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What should expect to pay for filing bankruptcy chpt. 7, 13 using and an experienced attorney? Price range?

Michael's answer | Answered on January 24, 2012

Chapter 7's range from $1500-$3500 (base rate) depending on complexity of issues. Be very careful of anything less expensive as there are a GREAT...

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This will be a new debt. A new lawsuit. Contractor filed bankruptcy. I am not one of his creditors. This debt has nothing to

Michael's answer | Answered on January 24, 2012

Not necessarily true that this is a "new lawsuit after the fact". Facts and events that gave rise to the lawsuit may have occurred before the ...

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Should I file bankrupcy?

Michael's answer | Answered on January 15, 2012

All good advice here. To BK or not to BK: you need a full assessment... you've likely been there, done that with the 2 consultations with...

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I am 2 months behind in my mortgage and was going to make 2 payments on feb 1st but WACHOVIA SAID IF I dont pay on Jan 31st I

Michael's answer | Answered on January 07, 2012

If you currently have regular income (from employment/contributions/etc) and you are able to afford payments on at least your 1st mortgage plus...

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A non profit condo association has filed judgement against me for 9000.00 in back association dues. will bankruptcy stop this??

Michael's answer | Answered on January 06, 2012

All other factors being equal and assuming you are eligible to file, a bankruptcy allows for the discharge of "pre-petition" HOA dues, meaning the...

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Chp 7 Bankruptcy advice

Michael's answer | Answered on January 06, 2012

Another question to answer is this: do you have any assets/own a home/ etc that may be of value? Bankruptcy law permits people to retain a...

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IF YOU MAKE 1,100.00 A MONTH CAN YOUR CHECK BE GARNISHED. Can you file a chapter 13.

Michael's answer | Answered on January 06, 2012

All previous answers are on-point. Chapter 7 surely seems more appropriate than a Chapter 13, based on the limited information that you have...

Michael Salanick's Answers (661)

Do I need an attorney for a bank levy?

If I'm writing to the credit bureaus to dispute/correct an item on my credit report, do I have to list my ss # and driver's lic

In chapter 7, is it in ANY way possible to get rid of a lien from a Home Equity Line of Credit on my home?

What should expect to pay for filing bankruptcy chpt. 7, 13 using and an experienced attorney? Price range?

This will be a new debt. A new lawsuit. Contractor filed bankruptcy. I am not one of his creditors. This debt has nothing to

Should I file bankrupcy?

I am 2 months behind in my mortgage and was going to make 2 payments on feb 1st but WACHOVIA SAID IF I dont pay on Jan 31st I

A non profit condo association has filed judgement against me for 9000.00 in back association dues. will bankruptcy stop this??

Chp 7 Bankruptcy advice

IF YOU MAKE 1,100.00 A MONTH CAN YOUR CHECK BE GARNISHED. Can you file a chapter 13.