Questions answered by Malcolm Ruthven

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I was in abusive relationship for four years and missed out on my payments. I got a summons for wage gashiment. I try to explain

Malcolm's answer | Answered on April 11, 2010

I'm not clear on what you are asking. If a creditor got a court judgment against you and is in the process of garnishing your wages, you need to...

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Name on deed but not on the note.

Malcolm's answer | Answered on April 11, 2010

There is no sure answer to your question, but since you name is not on the note I find it possible that the mortgage holder and the credit agencies...

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Am I responsible for a medical bill that occurred when I was a minor and has now been sent to collections?

Malcolm's answer | Answered on April 11, 2010

Collection agencies will tell you anything to get you to pay them. You may have valid defenses to that debt, such as your age at the time of the...

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How should i proceed? My attorney has filed a motion and the motion was granted to remove himself as my attorney due to illness.

Malcolm's answer | Answered on April 11, 2010

What you need to do is clear, which is to consult with a qualified bankruptcy attorney in your area. Bankruptcy law and procedure is complex and a...

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Can a payday loan company garnish my wages or freeze my bank account for defaulting.

Malcolm's answer | Answered on April 11, 2010

If you owe that company a debt that is overdue for payment and they get a court judgment against you for it, they may be able to do what you ask....

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Do I need a lawyer?

Malcolm's answer | Answered on April 11, 2010

The direct answer is yes, you need to consult with a qualified attorney in your area. Exemptions from creditor judgments vary from state to state...

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I have a debt that has been writen off

Malcolm's answer | Answered on April 11, 2010

Just because a debt doesn't appear on your credit report doesn't mean that you don't owe it. Also, if the lending institution "wrote off" your...

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I have a cc debt,and found out they garnished my bf bank acct. He is the only one making deposits, can the do that

Malcolm's answer | Answered on April 11, 2010

You didn't say so, but I assume that the bank account is at the same bank that issued the credit card. You may find that the credit card agreement...

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A friend of mine,owed me 22K,we have a written contract that she will pay me back in 3mo.issued a post dated ck. i can deposit

Malcolm's answer | Answered on April 11, 2010

I'm not clear about the details you gave. If your debtor filed bankruptcy and it was dismissed, then that filing has no effect on the debt. If the...

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My husband and I own a home in AZ. We are both on the loan and deed. If I file bankruptcy how does that effect our home loan

Malcolm's answer | Answered on April 11, 2010

There wouldn't need to be any change of ownership of your home because of your bankruptcy. The holder of the mortgage is in control of whether they...

Malcolm Ruthven's Answers (817)

I was in abusive relationship for four years and missed out on my payments. I got a summons for wage gashiment. I try to explain

Name on deed but not on the note.

Am I responsible for a medical bill that occurred when I was a minor and has now been sent to collections?

How should i proceed? My attorney has filed a motion and the motion was granted to remove himself as my attorney due to illness.

Can a payday loan company garnish my wages or freeze my bank account for defaulting.

Do I need a lawyer?

I have a debt that has been writen off

I have a cc debt,and found out they garnished my bf bank acct. He is the only one making deposits, can the do that

A friend of mine,owed me 22K,we have a written contract that she will pay me back in 3mo.issued a post dated ck. i can deposit

My husband and I own a home in AZ. We are both on the loan and deed. If I file bankruptcy how does that effect our home loan