Questions answered by Mark Phillip Kurowski

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I have a truck included in a BK discharged on 09/10. No affirmation was signed. It shows discharged under BK on credit report. I

Mark's answer | Answered on January 07, 2012

Yes, they will give you the title. Most auto lenders will not report your on-time payments unless you reaffirm the debt, so that's normal.

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Can 2 garnishments come out of my check at the same time?

Mark's answer | Answered on January 07, 2012

Attorney Bollinger's language is always concise. I on the other hand am a bit wordy, so I'll spell it out for you and say that No, absolutely not,...

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After bankruptcy is discharged and the house goes into foreclosure and our credit report.

Mark's answer | Answered on January 07, 2012

As Attorney Bollinger stated, your score will not likely suffer much additionally for the foreclosure. But the foreclosure itself will most...

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Bankruptcy? Chapter 13?

Mark's answer | Answered on January 07, 2012

Hmmm, it seems you've asked this same question three or four different times today. Are you trying to get as many attorneys as possible to answer,...

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Credit card deducted a payment from my account that i did not authorized and the card is not even in my name, is that legal?

Mark's answer | Answered on January 07, 2012

During that one payment transaction you made on behalf of your brother, assuming it was online, you may have accidentally checked a box (or perhaps...

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Bankruptcy? Chapter 13?

Mark's answer | Answered on January 07, 2012

One thought to add: you might think about spending that refund on deferred home repairs, needed dental work or medical work, etc.

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I have a garnishment against my wages. I have another judgement creditor trying to garnish my wages also.

Mark's answer | Answered on January 07, 2012

I don't know about Missouri specifically, but most states allow multiple garnishments up to a maximum percentage of (usually) net income. If the...

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Is this transaction usurious?

Mark's answer | Answered on January 06, 2012

As Mr. Fink stated, that setup seems to be an end run-around. However, California usury laws are quite complex, so more information is needed,...

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Isn't a default basically a long delinquency? And isn't a long delinquency basically a default?

Mark's answer | Answered on January 06, 2012

Adding to what has already been stated, if your debt is a student loan, removing the default status is a very big deal, as it would once again give...

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I am about to receive an inheritance and my wages are being garnished; should I assume the inheritance will be seized?

Mark's answer | Answered on January 04, 2012

I second what Mr. Chen stated, and I note that many stores sell small fire-resistant safes for home use. You might want to contact that creditor...

Mark Phillip Kurowski's Answers (39)

I have a truck included in a BK discharged on 09/10. No affirmation was signed. It shows discharged under BK on credit report. I

Can 2 garnishments come out of my check at the same time?

After bankruptcy is discharged and the house goes into foreclosure and our credit report.

Bankruptcy? Chapter 13?

Credit card deducted a payment from my account that i did not authorized and the card is not even in my name, is that legal?

Bankruptcy? Chapter 13?

I have a garnishment against my wages. I have another judgement creditor trying to garnish my wages also.

Is this transaction usurious?

Isn't a default basically a long delinquency? And isn't a long delinquency basically a default?

I am about to receive an inheritance and my wages are being garnished; should I assume the inheritance will be seized?