A charge-off just means that the debt was sold to another creditor/collector who will come after you now for payment. The charge-off did not make...

A collections law office will not accept payments, wht should i do?

I agree that bankruptcy is possibly a good option to consider if you qualify and if the total debt is large enough to justify one. I would...

I agree that they can fix this technicality if you indeed owe the money. But it is also true that you don't want to be too helpful and supply them...

Llc+personal bankruptcy chapter 7 allowable exemption amount

If the house is worth less than the mortgage then that is a good thing. You can use whatever "wildcard" exemption that Wash. state has to protect...

How long does it take after closing a joint credit card account to be in the clear?

I agree. It sounds like you can file a chapter 7 right away but contact an attorney to advise you on that. If you file a bankruptcy then you can...

Why would a creditor refund a garnishment - Only to restart it after all payments have been returned?

The place to start would be the Sheriff's office. See if you can get any paperwork from them to trace this current garnishment back to some court...

Do I need a spousal waiver? I haven't heard from my husband in 7 years, not even child support services can find him

I agree to hire an attorney right away. You do need a spousal waiver if you want to use the 703 (wildcard) exemptions. You could otherwise be...

My ch. 7 bankruptcy case in California has been dismissed as of today. I am freaking out. How can I reinstate it?

I agree that you need an attiorney now. Bankruptcy is complicated and comes with lots of rules. If you break one then they can dismiss the case. ...

My credit card company has my SS# wrong. Am I libale if i dont pay on the card anymore?

I agree with the others. You made the charges on the card and you are therefore liable to pay for them. You may want to consider filing for...

My comrcial tenant filed chap 7 bankcruptcy and vacated the building but refused to turn keys in. Can I ask the trustee to solve

I would definately work through the the Trustee and see what objections he would have to you reentering the premises. He may abandon the lease and...