After the Exemption

Now that you have stopped the immediate effects of the wage garnishment, you need to deal with the underlying lawsuit. It is still in effect and...

Bankruptcy and Summons.....

You say that you have an arrangement to make payments with Target, yet the lawsuit has come. So, somewhere there is a "failure to communicate"....

Can the collection agency charge my company for freight charges incurred by consignee?

No, they can not. Let them know that you dispute their calculation of charges, in writing. Let them know that the S-corp is out of business, and...

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Should I send another letter by certified mail? Should I send a check for what I think I owe along with an explaination letter?

Not yet. The ball is in your court. You have done what you need to do at this point. Keep your file and your documents. Since they have not...

Should I send another letter by certified mail? Should I send a check for what I think I owe along with an explaination letter?

Not yet. The ball is in your court. You have done what you need to do at this point. Keep your file and your documents. Since they have not...

My paychecks & payroll dept. shows I satisfied my garnishment

You may have overlooked interest and accruing costs and expenses during the period the garnishment was ongoing. Since you are wanting quick...

Filed a Ch 7 BK, without reaffirming our two vehicles, is it possible to trade-in, the upside one without carrying the negative.

Short answer - yes. As explained by other posters, since you did not reaffirm the debt, you cannot be held liable for any shortage or deficiency...

Is buying a low-priced second home in this market, and later walking away from the primary (underwater) home always fraud?

No it is not fraud to purchase a second property. Investors (and banks) do it all the time, every day. Retirees "down size" from a family home to a...

I sent a payment to clear up my debt to the company that I owed.

Probably not. Most times creditors and collection agencies are happy to get what they can get. Since you were late, technically you did not pay the...

Can my husband open new credit accounts after the patition has been files in CA

Yes. After a Petition in bankruptcy has been filed, it is perfectly acceptable to open new credit accounts. In fact, you will find that Capital...