What is your opinion about debt consolidation vs. bankruptcy?

I agree with what Ms. Sinclair has said; sit down with a bankruptcy attorney and get a free initial consultation so they can analyze your...

Can I still file Chapter 7 Bankruptcy after my house foreclosed?

A Chapter 7 would only stall foreclosure proceedings temporarily. In a Chapter 7 if you are behind on your house payments the creditor can...

Both me and my ex husband are working yet I am responsible for his Medical bill. Y me and not him

Yes it is legal. It is called "joint and several liability" which means that any party can be held liable to the full extent of the debt. That...

A collection agency took money out of my bank account without any kind of warning or authorization from me

That means there is a judgment against you. In most states the bank/creditor does not need to provide you notice; I'm unsure if that's the case in...

Four years ago I paid and attorney 1200.00 to file bankruptcy. I have not done it. Can I get a refund?

At my firm, refunds vary on a case by case basis. If nothing has been done on the case because the attorney has just not done anything, I would...

How can I get garnished pay and bank levy back after filing bankruptcy?

If the HOA has continued to garnish your wages after filing the petition that is a violation of the automatic stay. The garnishment should have...

I'm not an expert in this field and I can only provide you an anecdote based on one of my friend's experiences. On his law school application he...

I need help on a foreclousre. Is an attorney the best option?

A Chapter 13 bankruptcy would help you out here. It would allow you to catch up on your arrearages through a payment plan that would range from 3...

If it is a joint account that means that your husband has an ownership interest and his creditors can get to it. I highly recommend opening up...

Do both spouses get to take Federal wildcard exemptions?

I'm not a NY attorney, but I think the confusion stems from the fact that NY didn't use to allow federal exemptions but now does. All of the...