Best legal way to negotiate with a debt collector?. Any advice would be greatly appreciated.

If your debt has been sold, you have a greater chance of settling it for less than you would have with the original creditor. You have to be...

You may exempt $2400 per vehicle and yes you can stack it for a total of $4800 on your wife's plus you have an $8000 wild card exemption you may...

Absolutely. You can do a "hardship settlement" due to the fact your husband is unemployed. You would have to disclose your financial situation,...

In Illinois, do I have to continue to pay my HOA dues?

Your bankruptcy wiped out any HOA dues prior to its filing. You are responsible to pay any HOA dues that are due and owing after the date your...

Who is responsible for damage to the condo - the landlord or tenant?

Yes. You are causing the damage and the landlord has the right to be reimbursed for the repairs.

Pensions are exempt from garnishments. My practice areas include debt settlement and bankruptcy, as well as real estate. I presume your landlord...