In California, can an individual legally hire a debt collector to collect a personal loan?

Yes. In California the legal owner of a debt may hire an agent of choice to collect the debt. Third party collectors are subject to federal and...

I filled a banckruptcy and reaffirm my car loan, a year ago, now i want to trade in that car, is it ok?

Yes. Your ability to trade in the vehicle not affected by reaffirmation agreement. Yes. Not unusual for creditor to stop reporting payment...

My sister and I own trust land in joint tenancy. Can we create wills which designate ownership should we both pass away?

Your question presents interesting question of Federal Indian Law and California Law. If controlled by California Law exclusively, you cannot...

Can I take my ex-spouse to small claims court for money he owes for back attorney fees awarded to me in our divorce settlement?

No. Because H has filed BK you may not take any action to enforce the debt at this time. Doing so could expose you to sanctions and penalties in...

You are referring to "cash for keys" program widely available from lenders. Maximum leverage is before actual foreclosure has happened. You still...

Can you have a credit check just before bankruptcy to change cell carrier to try save money

Yes. You may receive credit check immediately preceding filing BK. Yes. Permissible to change cell and cable providers before filing BK. ...

Judgment and wage garnishment

Yes. Judgment is valid. Remains valid for 10 years from date obtained. May be renewed for successive 10 years periods any time before...

Can Oregon garnish wages in CA?

Yes. State of Oregon may garnish wages earned in California. Oregon must follow same procedures as any other creditor seeking to garnish wages in...

Is there a way to find out who placed a lien on property and for how much?

Yes. Easiest way to find information is to research records at County Recorder's Office. Records will state who, when, how much.

Can I stop a wage garnishment? Judgement was issued in 2011 but I had moved out of the area & didn't know until served June 2015

Yes. BK may be best option based on facts cited. C7 will stop garnishment, eliminate the debt and stay further enforcement. Civil remedies...