Archived
My bank told me that the IRS has requested they attach my account. I am disabled. I only receive SSI at that account.
Patrick's answer
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Answered on February 07, 2013
Unfortunately the IRS is one of the few creditors who can actually attach SSDI. Federally backed student loans can also attach social security but...
Archived
Is it breakign fdcp if a bill comes in the mail that on the outside of the envelope it reads Past Due second notice?
Patrick's answer
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Answered on February 07, 2013
No. FDCPA only applies to third-party debt collectors.
Archived
Do i still owe back rent that was included in bankruptcy that was discharged?
Patrick's answer
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Answered on February 07, 2013
Just keep in mind that the landlord has the right to evict you now that you are post-discharge. Also you are going to be liable for any rent due...
Archived
Along with not paying for credit cards, should you stop payment on personal unsecured loans before official filing?
Patrick's answer
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Answered on February 07, 2013
Lawyers aren't allowed to tell people not to pay their debts. The wisdom of not paying the bills really depends on how big of an unsecured...
Archived
If wal mart credit card and capital one card is charged off can they still garnish my check i live in mississippi
Patrick's answer
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Answered on February 07, 2013
"Charge off" is an accounting term and has no legal effect. Long story short, they can still go after you for the debt. Assuming wage garnishment...
Archived
A judgement of $199k was ordered against me. I cannot pay and now I was summons to court again. what do I do.
Patrick's answer
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Answered on February 07, 2013
Now might be a good time to consult with a local bankruptcy attorney. Most offer free consultations and a bankruptcy would wipe out the judgment....
Archived
Can the state of texas put me in jail for 90 days for felony check fraud from a collection agency?
Patrick's answer
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Answered on February 06, 2013
Typically a scare tactic and illegal to threaten that they're going to put someone in jail. The DA won't typically bring charges in Tarrant or...
Archived
What happens after i make arrangements with the collection agency for payments on a repossed vehicle; do they get to keep both?
Patrick's answer
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Answered on February 06, 2013
I'm not sure what you're asking about them being able to keep both? If you're asking if they're still able to keep the vehicle, the answer is yes....
Archived
Can I incorporate or create another legal entity, open a checking account with it to remain liquid to pay expenses?
Patrick's answer
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Answered on February 06, 2013
Yes they can garnish a joint checking account, but only after they get the judgment. Open your own account separate from your wife. However, you...
Archived
Will the PA Chapter 13 trustee demand that my earned income credit tax refund be handed over to him before the plan is confirmed
Patrick's answer
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Answered on February 06, 2013
It really depends on your local district and their local rules for tax refunds. In my district, the trustees generally ignore EIC. This is one of...
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