Archived
My mortgage company has never sent me a copy of our contract. I have asked for one for almost 6 years' they cant find papers.
James's answer
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Answered on March 17, 2015
More information is needed to address your question, as some things do not add up here. In order to get your ex-wife's name off the loan and house,...
Archived
How can stop a garnishment
James's answer
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Answered on March 17, 2015
You should be able to find out who the creditor is through your employer. They were sent the paperwork to do the garnishment, and that should have...
Archived
What happens to Utility Security Deposits after Chapter 7 BK?
James's answer
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Answered on March 17, 2015
Since your security deposit was a back up in case you defaulted, it is fairly clear that it would be applied to the amount you defaulted. Post BK,...
Archived
When a chapter 13 is dismissed , is there a time limit as to when your creditors can no longer collect from you.
James's answer
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Answered on March 17, 2015
The automatic stay of your BK ended with the dismissal, so you are immediately fair game. Each creditor has its own internal processes for how to...
Archived
Can a default judgment in Washington State be settled for less?
James's answer
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Answered on March 17, 2015
I agree that a lump sum settlement is more likely to work here, given the amount is relatively low and therefore collectible in full over a fairly...
Archived
What is a good affirmative defense for admitting debt?
James's answer
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Answered on March 16, 2015
The Answer addresses each allegation in their Complaint, it is not a place for explaining your payment efforts. You have to affirm or deny each...
Archived
At a bankruptcy trustee hearing can I file a declaration stating the person who is requesting BK defrauded me and many others $
James's answer
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Answered on March 16, 2015
I agree, the 341 is not the venue to object to discharge, you need to file with the court. If there are going to be assets distributed, you will...
Archived
I have unpaid payday loans and credit card debts, and will file bankruptcy soon. But a collector calls and threatens me.
James's answer
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Answered on March 16, 2015
I agree that you need to move forward with written notices, and if you have a BK attorney, you can refer the creditors to them.
I will add that...
Archived
How can i stop a garnishment against me since i found out that the info. they have has nothing to do with me and it's wrong.
James's answer
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Answered on March 16, 2015
Your question is a bit confusing, and you need to meet with a lawyer with your case information. If a judgment has been entered against you in...
Archived
I'm being garnished but there was no judgment and there's nothing on record at court house
James's answer
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Answered on March 16, 2015
Does your payroll department have the court case information? They should have that with the paperwork that resulted in the judgment. Once you...
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