Archived
Collection agency is asking for income and expense documents to make a deal on my credit card judgment. Is that safe to submit?
Bruce's answer
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Answered on August 23, 2012
They could get your income information by performing a debtor examination, so eventually they will get that if they really want it.
I don't...
Archived
Case was dimissed in court, still receiving collection calls from Nelson and Kinnard? Why are they still trying to collect?
Bruce's answer
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Answered on August 23, 2012
It could be lack of coordination between attorneys and debt collection department. I would send them a letter requesting them to cease and decist...
Archived
My wife was served last week fora case filed Jan 12. The SOL exp. in March 12. Does the SOL defense apply? JDB suit. Riverwalk
Bruce's answer
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Answered on August 21, 2012
If case was filed prior to experiation of the SOL then it is not a defense, but you would generally plead it in the answer anyway.
BW
What is the deadline to reopen a bankruptcy case to file/submit financial management course certificate?
Bruce's answer
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Answered on August 21, 2012
Re-opening a case to submit the certificate is fact dependent and there is no set time after which you cannot do so.
I recently re-opened a BK...
Archived
I WANT TO PAY A JUDGEMENT I LOST IN ARBITRATION; OTHER PARTY WON'T ACCEPT PAYMENTS - WANTS MONEY IN FULL. WHAT SHOULD I DO?
Bruce's answer
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Answered on August 20, 2012
Why don't you explain your financial situation to the creditor and offer payments. Perhaps some documentation as to your financial situation would...
Archived
Just received papers for garnishment. what options do i have?
Bruce's answer
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Answered on August 20, 2012
1. Pay garnishment and just suffer. You owe the money.
2. Perhaps attempt to negotiate a payment plan, but it seems as though it is late to...
What is the Statute of Limitations in California for collection of unpaid HOA dues?
Bruce's answer
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Answered on August 19, 2012
4 years I believe as it is a written agreement/contract.
BW
Archived
Even if I agree to make payments on a debt collect can they still go in to my bank account without my consent
Bruce's answer
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Answered on August 19, 2012
The answer would depend upon the terms of the settlement agreement that you signed.
BW
Archived
I have a promissory note for money I loaned, in the note it states I can put a lien on their property. How do I do this?
Bruce's answer
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Answered on August 19, 2012
I believe that you would record:
1. A deed of trust. This would be signed by the party that issued the promissory note so you will have to ask...
Archived
If I file chapter 7 for all credit card debts, my family members in the same house affect bad credit scores?
Bruce's answer
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Answered on August 18, 2012
No.
Only if the family member was a co-debtor will they be affected. That means that you and the other family member have joint liability as...
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