What requirements must a creditor follow when speaking with customer?

Most of the people with whom you are talking are minimum wage employees with minimal training. They may not be misleading you on purpose. . Don't...

He says that he knows that I will be liable for this credit card if we divorce, gleefully..can I do anything to stop this?

Technically this is a community debt but I have never seen a credit card company go after a spouse in a situation which you have described. More...

Can Navient garnish my teacher retirement if I cannot afford to pay their monthly bill? I offered what I can afford. No joy!

I'm a little confused by your fact pattern. You need to sit down with a bankruptcy attorney who is experienced in student loans. The discharge of...

Can the US Trustee avoid a quit claim of property to the person receiving the property if no consideration was given by the

In California, if the property was transferred for no value or less than market value within four years before filing bankruptcy, then it could be...

Is my credit card issuer allowed to raise my APR for no reason?

Unfortunately, credit card companies do this sort of " bait and switch" all the time. I suggest that you apply for a new card with another...

Removing a medical bill sent to collections from Credit report, any legal recourse?

Good advice from Hauf and Steingraber. If you go to each credit bureau's website there will be a page explaining to you how to dispute the bill....

You are trying to dance with the devil and lead. It's not going to happen. I've never known them to negotiate. Perhaps some of my colleagues...

Two different BK lawyers, two very different opinions! Help!

I suspect that the first attorney didn't probe deeply enough. You can file alone but you have to take both your income and your wife's income in...

If my business got merchant loan can I put that under my personal bankruptcy file?

You definitely want to list the debt. How it will be treated depends a lot on whether your business is a corporation, an LLC or a Sole...

CORRECTION: Chapter 13 Bankruptcy forms -- For your home loan debt, should you list your original lender on your bankruptcy

I always list the servicer on the bankruptcy petition. Who knows who the holder in due course is, and it is the servicer who institutes the...