I completely agree with Mr. Firth, however I would like to add be prepared when first talking to an attorney. Please know who you owe money to,...

I agree the collection agency can sue you, they can get a judgment against you. However, banks are required automatically to protect a certain...

With out knowing all the facts, a general answer would be YES. You can file a Chapter 7 bankruptcy, you would list the creditor for the car, I...

Yes, when they stop responding, that is a bad sign. Did they explain to you that you were filing a Chp 13 to stop the eviction, did you...

Yes you can apply for credit if someone will give you credit. I have even had clients tell me they have received pre approved credit card...

First thought, the levy on a bank account with no money, mean Citibank gets no money. They can attempt to levy more than once, so you probably do...

In my opinion yes, bankruptcy is better. I have done several bankruptcies for folks who filed with private consolidating companies. These...

Your facts are unclear. Never the less, Social security benefits are generally exempt from bank levies, if Social Security funds are only...

I agree with the previous answer. You have to have an experienced attorney walk you thur this. Calif is a little different, if either of you, or...

The question comes up frequently and depends on jurisdiction. In Central District Calif all the judges is as follows: "The concept of...