Credit Debt

What you are experiencing is very common. If a consumer stops paying the minimum payment on a credit card, the bank will usually "charge off" the...

I am being sued for Debt and wish to settle in lieu of a Hearing is this possible I am stating this in my written response.

You must file an Answer within 30 days after the date you were served with the summons and complaint. That is usually the date that the process...

Whether you file a chapter 7 or chapter 13, a judgment lien is discharged by 1) claiming an exemption in the property and 2) filing a motion to...

Collection for payday loan. Can a bill collector collect a debt if the the company is closed?

When dealing with any debt collector, it is always a good idea to request that the communication be in writing. That is because it has become...

I may have a Deficiency Decree against me. How do I inform the court that my only income is SSDI, and is creditor protected?

The Circuit Court's job is to move cases through the system and get them resolved through dismissal, settlement or judgment. If the creditor has a...

By CA law will my student loan remain my own responsibility even if I am in default when I get married?

Once you are married, the earnings of either spouse become community property. A creditor can pursue payment out of community property. In the...

How should I reply to a "validation" letter from a DC's attorney. Debt is SOL.

Generally in California, the statute of limitations to sue on an unpaid credit card or other consumer debt is 4 years. If you are confident that...

How can I have this done quickly and efficiently, while paying as little as possible?

Unfortunately there is no quick and inexpensive way to do this. The most straightforward way to do it would be to settle the debt with the...

Can my ex-husband's creditor able to file a lien on the house?

If you were married at the time that the debt was incurred, and the debt in question was for "necessaries of life" (living expenses) or joint...

Can my employer pay into a garnishment before the date on the court order?

The key is to identify those funds as exempt. The funds that have been levied must be identified as her property (Schedule B) and an exemption...