Foreclosure/Chapter 13/ saving my house.

If you weren't able to afford your mortgage payments before falling behind, it is likely that you wouldn't succeed in a chapter 13 case. At bare...

Is it possible to do a chapter 7 when your laywer only corresponds with me through the mail?

Suffice it to say that your attorney should be returning your calls. While it may be your attorney's practice to gather information and...

I being sued for being late on my truck payments can I still negotiate with the attorney?

You can negotiate with the lender and/or the lender's attorney at any time. Give the lender's attorney a call and find out what, if any, payment...

Credit Card Account.

Yes. Credit card applications typically request information about "household income". This would include the income of your spouse.

Technically speaking, yes you can. However, practically speaking, you should be aware that this deficiency is typically very easy to correct and...

How do I know if a business is a legit collection agency on the phone?

You are wise to be skeptical of these callers. Ask they they provide "validation" of the debt in writing. Also, be aware that there are scam...

It depends. Is this your only debt? Do you have the money or inclination to try and settle the account? Do you believe the balance owing is...

What would be the best way to settle old debt from 2007, never been contacted by cc company in almost 3 years.

I would simply wait until these derogatory marks drop off your credit report. As you suggest, the creditors are not pursuing you and will soon (if...

You know what they say....the 10th lawyer you meet with is alway the charm! But in all seriousness, an anticipated tax refund is an asset that...

Isn't it a violation of FDCPA to receive calls (incl. auto dial) after a written validation and cease calls request ltr?

You would be entitled to $1,000 per FDCPA violation, assuming the collection company in question has in fact violated the FDCPA. There are...