I moved to CA from NJ and will file Chap 7. What address do I use to fill out the forms and to whom/where do I send the forms?

The bankruptcy forms may look simple, but filing a bankruptcy case is complicated. There are many rules and procedures that are not evident from...

Community Debt after a Divorce. How do I get out of it?

If you have filed a chapter 13, gotten confirmation of the plan, you've committed to paying some portion of these debts. Do you have an attorney...

Hi, I am being sued by a collection agency but my only income is Social Security Disability. Can money be taken out of my check?

Yes, you can get sued. The creditor or debt buyer has no way of knowing how much income and property you have or whether the income is exempt from...

I was in court last month and agreed verbally to pay a past due credit card, the judge set up a compliance hearing for Jan 24.

Collections cases are typically resolved in one of three ways. 1) default judgment, 2) settlement, or 3) judgment after trial. If you agreed...

Does BK toll SOL on Student Loans? Can they levy or garnish wages from my husbands account even though all the loans are mine?

There is no statute of limitations for collection of a federally guaranteed student loan. Even after default, the lender (or current owner) can...

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Are funds for necessary living expenses (rent, utilites, transportation) protected from bank account garnishment?

In order for the creditor to have obtained a Writ of Execution, it must have filed a lawsuit and obtained a judgment. Were you aware of the...

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A rep from rent a center is leaving me voice messages.

This type of behavior is harassment (prohibited by the California Rosenthal Act); you may be able to pursue an action against the collection agency...

A credit card debt is a non-priority unsecured debt. Auto loans that are secured by a lien on the vehicle are secured debts. Based on your...

How would I get a Judgment and Notice of Levy dismissed if I was not served?

If you were never served with the original debt-collection complaint, and that complaint led to a default judgment, you must file a motion to set...

It isn't possible to know with absolute certainty whether a debt collector is calling on behalf of a legitimate creditor and debt. Sometimes the...

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