Does the amount of credit card debt affect judgement proof?

Being judgment proof does not have to do with the money you owe it is based on the fact that creditors will not be able to collect any money or...

Is bankruptcy right for me?

When you file for bankruptcy you must include all debts that you are currently liable for. You cannot pick and choose which debts to include in...

How do you stop a garnishment. If your granishment is from a car company can they continue to collect interest?

What they can collect will depend on what agreement you signed and what was stated in the terms of the agreement. If you need to stop a wage...

A creditor can garnish your wages even though you earn minimal income but how much will be garnished will depend on your state and the judge. If...

I am being harassed by an alleged debt collection agency for a phone scam I was victim to at work how do I stop this?

The person on the phone is engaging in illegal behavior and making threats that violate the law. As mentioned earlier you cannot be arrested just...

What is my best plan of action to deal with my personal loans

As mentioned before the cost involved in filing for bankruptcy would probably outweigh any benefit in this situation since your debt is so low. If...

I filed bankruptcy and it was finished in 05/2009. My home was included in the bankruptcy at that time.

The way you know that you are free of any personal responsibility for this is ensure that it was included in your bankruptcy petition. If the...

Can we file for chapter 13 on a vehicle we voluntarily gave back to the dealership

First if you cosigned for the vehicle then you are equally liable for the remaining debt on the vehicle that was returned. You should have your...

I have filed a Chapter 13 approxmately three years ago can I switch it to a Chapter 7

You may be able to convert your case into a Chapter 7 bankruptcy based on a drop of income. Whether this is something that would benefit you, will...

I filed (chapter 7) bankruptcy in november of 2009, and will not be discharged until feb 18, will i get to keep my refund

This will depend on whether the tax refund was an asset that was able to be protected in your bankruptcy case. The tax refund should have been...