Using the Federal Bankruptcy exemptions, is there any wage protection? I see if I choose to use the states exemptions

You can use 11 USC § 522(d)(5) - the "wildcard" exemption - as a basic "earned but unpaid wage" exemption.

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I loaned my stepson $20,000 + over the last 5 years. I had him sign a note when the amount reached $17000 +.

When you loaned him the money (before the existence of the note) when was payment due? As noted, there could be a statute of limitations defense...

You can record a judgment in any county in which you think the judgment debtor may have real property so that you can obtain a judgment lien on...

Can I file a joint bankruptcy for myself and my husband if he is unavailable for court, with a general POA in WA state?

The problem I see is that an attorney states in a filed petition that he has advised the debtors of the impact/effect of filing. So, while your...

After filing Chapter 7 in WA State using the Fed Exemptions. How do I pay my mortgage or food for my family?

Generally, all income earned after you file is yours and not part of your Chapter 7 estate. Disability income due and received after you file is...

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I am filing Chapter 7 in WA State. Schedule B & C do not have enough space to list items do I just attach extra sheets?

It sounds like you might be going into too much detail on your belongings. Normally, listing items by category is sufficient, i,e, $1,500 of...

CAN AN ITEM BE REPO'D TEN YEARS AFTER DEFAULT ON REAFFIRMATION AGREEMENT?

In my experience, creditors secured by jewelry rarely repossess. Having said that, if you walk in an give it to them and they don't "breach the...

Aproximately how long may I address the debtor (I am a creditor) and does my communication have to all be in the forms of ?'s.

You may ask the debtor questions at the 341 meeting. How long is generally up to the discretion of the trustee. 341's are not intended to...

Can I stop a wage garnishment by Friday 12/6/2013?

If you file before the garnishment, then all collection action is SUPPOSED to stop, including compliance with garnishment writs, etc. On the date...

Chase Bank's home state is Deleware with a 3 yr SOL. Wa. state has a 6 yr. limit. Whose state limit applies to collecting debt?

That is a great question. My recollection is that DE also has a statute that says if you are absent from the state then the SOL does not run. WA...