Archived
Can a debt for college tuition and fees (not a loan) be discharged in Chap 7 BK? I filed in '02 and the school still says I owe.
Jeffrey's answer
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Answered on May 23, 2009
If you signed a promissory note with the school for the tuition then it will be classified as student loan and not available to be discharged in...
Archived
How can I explain my situation to the underwriter in the form of a letter showing the debt in my name is paid by my daughter?
Jeffrey's answer
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Answered on May 23, 2009
I think you are doing exactly what you should be doing. If you can show that for the last 2 years your daughter has been paying on the account,...
Archived
A lawyers firm suppinaed my bank account after i paid the county sheriff office. i got no notice in teh mail, is it legal?
Jeffrey's answer
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Answered on May 23, 2009
I would need additional information in order to respond. A subpoena is basically a request for information. From your post, I assume a judgment...
Archived
A Levy was placed on my bank account?
Jeffrey's answer
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Answered on May 23, 2009
Depending on the amount of the levy, what other debts you have, and how long ago they took the money you may want to consider chapter 7 bankruptcy....
Archived
Can a collection agency levy a bank account to pay off a debt?
Jeffrey's answer
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Answered on May 23, 2009
Before a collection agency can levy your mothers bank account they need to obtain a judgment first. If no lawsuit has been filed, there is no...
Can a collection agency pretend to be a private investigator to try and scare me?
Jeffrey's answer
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Answered on May 23, 2009
ABSOLUTELY NOT! This is illegal under the Fair Debt Collection Practices Act (FDCPA). Most debt collectors are the scum of the earth and will...
Archived
An ISP is having collection agencys try to collect on a $79, 6 year old debt they say I accrued when I switched wo notification.
Jeffrey's answer
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Answered on May 23, 2009
You should look at the statute of limitations in your state. In CA, if an account is not sued upon and a payment has not made in the last 4 years,...
Archived
A debt collector is calling to collect on a reposessed motorcyle
Jeffrey's answer
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Answered on May 23, 2009
I am assuming from your question that the credit card was in your name and that you were the primary and probably only account holder. I see this...
Archived
Sold home - shortsale. Credit is now bad. Still have lots of debt. Is bankruptcy the next step?
Jeffrey's answer
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Answered on May 23, 2009
Sounds like bankruptcy is the best option for you. Bankruptcy will discharge your personal obligation on your remaining debts and help you to get...
Archived
My husband & I filed for Ch. 13 in Dec. 08. are there any provisions for us to lower our bankruptcy payments due to loss of job
Jeffrey's answer
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Answered on May 23, 2009
You should discuss one of 2 options with a licensed attorney in your state.
Modify your Chapter 13 plan: This is an option if your financial...
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