Archived
I got a judgement on credit dard debt yesterday, Under Texas law can they take my social security money?
Patrick's answer
|
Answered on June 13, 2012
Under Federal law they can't seize your social security income. However, to make things easier on you, you should have you social security in a...
Archived
Debt Settlement vs Bankruptcy I do not want to file bankruptcy, however which will heal credit faster?
Patrick's answer
|
Answered on June 12, 2012
For a good portion of our clients who file a Chapter 7 and who have bad credit rating going into a bankruptcy, the credit reports we run generally...
Archived
Bankruptcy - Chapter 7 - Do you still have to pay for your mortgage/late fees if you're including it on your bankruptcy?
Patrick's answer
|
Answered on June 11, 2012
The only way she would have to pay all that stuff is if she wanted to keep the house. Tell her to find a better attorney. There are a bunch of...
Archived
Are cell phones exempt property from judgment creditors in Texas?
Patrick's answer
|
Answered on June 08, 2012
There isn't a specific portion that covers consumer electronics. I would try to exempt it under the tools of the trade exemption (maybe you use...
Selected as the best answer
Archived
Can I sue the original creditor in Texas for harassment for a consumer debt under the Texas debt Collection Laws?
Patrick's answer
|
Answered on June 08, 2012
You are correct in that the Texas Act applies to original creditors. Here are some helpful links detailing acceptable and non-acceptable practices...
Archived
I HAVE A CHARGE OF ACCOUNT . CAN A COLLECTION CO. STILL COME AFTER ME FOR THAT ACCOUNT EVEN AFTER ITS BEEN CHARGE OFF OVER 2YRS.
Patrick's answer
|
Answered on June 06, 2012
When a debt is "charged off", that doesn't mean that you're not still liable for it. That just means that the creditor has chalked up your debt as...
Archived
Why is it important to list defenses with your answer to a summons for a debt collection and do the defenses help
Patrick's answer
|
Answered on June 06, 2012
It definitely affects whether or not a creditor will continue litigation against you. It is also imperative that you raise defenses now, or you...
Selected as the best answer
Archived
Credit Cards not filed under bankruptcy
Patrick's answer
|
Answered on June 05, 2012
Yes, it is common that they will cancel the card. The bankruptcy code requires you to list all debts that you owe, including your credit cards. You...
Archived
Could I file Bk now
Patrick's answer
|
Answered on June 05, 2012
Just adding on to Mr. Oney's answer, the best thing you can do in preparation for bankruptcy is to consult an attorney. Most lawyers offer a free...
How do creditors determine where you bank to seize your account?
Patrick's answer
|
Answered on June 05, 2012
It is unlikely that you will be able to get the kind of help you need on here because you are essentially asking us how to defraud your creditors....
Ad
Transform legal challenges into solutions.
Connect now to review your situation.
The Avvo Rating explained
The Avvo Rating explained