Archived
I have a judgment I havent paid. My licence is suspended. I cannot pay the judgment. Is there any other way to get it back
Mikalah's answer
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Answered on February 27, 2013
Bankruptcy might help you eliminate or restructure the debt. If the judgement is as a result of reckless or drunk driving it may be difficult to...
Archived
Am I still protected under Chapter 7 if my bank ( BofA ) sells my loan to a different servicer ?
Mikalah's answer
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Answered on February 27, 2013
Chapter 7 discharges personal liability on mortgages but does not remove the lien from the property. So the lender or new lender if its...
Archived
I loaned my sister $ 21 , 000 in 2007 , she paid back $ 300 . Attorney Roslyn , is your advice the same for this amount ?
Mikalah's answer
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Answered on February 26, 2013
If a creditor proves the debt and obtains a judgement they can request the right to garnish wages.
Archived
We filed chapter 7 in 2007 and have made no payments since then the city sued us for back taxes told us the house was still in
Mikalah's answer
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Answered on February 26, 2013
Some property taxes are not secured by the property, and so one must check with the city. Chapter 7 often does not wipe out taxes.
Archived
Got a discharge on a chap7 6/10 shortsold 12/11 which date for wait period to get a new loan?
Mikalah's answer
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Answered on February 26, 2013
The short sale should not count against your credit because a debtor that already obtained a chapter 7 discharge would not be liable for the...
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Archived
Can I be sued for falsifying documents across state lines . Do to an unpaid online pay day loan .
Mikalah's answer
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Answered on February 26, 2013
Falsification of documents is fraud, which can carry criminal and civil penalties. If done across state lines it can implicate federal law.
Archived
What if a debt collection agency fails to provide proof of the debt. Can the debt still be valid even after 8 year?
Mikalah's answer
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Answered on February 26, 2013
Ive seen this a lot, where the debt collector does not have updated information concerning the debt. I have my clients request account records in...
Archived
If I get married , could my assets or my spouse's assets be targeted if my parent is sued or negligent on a loan ?
Mikalah's answer
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Answered on February 26, 2013
Unless a relative is a co-signer or directly benefitted from the transaction it would be difficult for a creditor to ever go after a relative of...
Archived
Me and My Estranged Husband filed Bankruptcy 4 yrs ago
Mikalah's answer
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Answered on February 26, 2013
If both spouses are in bankruptcy the tax refunds are subject to collection by the trustee.
Archived
On a persons credit report, which date would be used by a court to establish the default date and the beginning of a SOL?
Mikalah's answer
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Answered on February 26, 2013
Court would not use a credit report. It would use a declaration of the debt holder and a declaration of the bill collector.
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