Archived
My ex signed quitclaim deed to me, but both our names are on mortgage; Do I have to refinance it before listing it for sale?
Rachel's answer
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Answered on September 25, 2013
No. The ex-spouse signed a quitclaim deed meaning that now you are the sole owner of the property. You can sell it or rent it. If you sell, I...
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Archived
What should i do to get this civil judgement cleared?
Rachel's answer
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Answered on September 25, 2013
What is on your credit report is not correct. Do not rely on credit reports for judgment balances. Judgments are entered for the amount owing...
Archived
Is it valid if mom tells the POA to sign the mom's name to make POA a joint account holder & the other joint holder signs too?
Rachel's answer
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Answered on September 25, 2013
First of all, if there is a valid financial power of attorney, then you have to read the financial power. Some may preclude the agent from using...
Archived
What protection rights do I have as a co-signer on a lease? Can I have my relative signed a Promissory Note?
Rachel's answer
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Answered on September 25, 2013
Well, if your relative is living in Maryland and she stops paying you back then you can and should sue her in Maryland or in any state where she...
Archived
What do filing exemption papers do for you when being sued by CCs?
Rachel's answer
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Answered on September 25, 2013
If you are the account holder, the creditor looks to you for payment not your husband. Your husband is not a co-borrower., If he was then he...
If I marry my girlfriend will I assume her debts and will it affect my credit score?
Rachel's answer
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Answered on September 25, 2013
It would be better, if your girlfriend can, for her to file bankruptcy before you get married since there are no jointly owned assets. That way,...
Archived
How do you go about filing bankruptcy?
Rachel's answer
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Answered on September 25, 2013
Do not do it yourself. Before you can file for bankruptcy you have to complete a consumer credit counseling course and get a certificate. This...
Archived
Can i be put in prison for 120 days on "DEPOSIT ACCOUNT FRAUD' on a defaulted payday loan from 2011
Rachel's answer
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Answered on September 25, 2013
While it may be a scam, if you took out a payday loan, then this may be legit as far as the payday lender trying to collect. Many payday lenders...
Archived
If father has a 401k loan and decease, How does this loan get paid? From beneficiary, from estate, or other.
Rachel's answer
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Answered on September 19, 2013
It would either be a debt of the estate or else the balance of the loan would be deducted from the 401(k) and any balance would then be paid to the...
Archived
Hickory nc
Rachel's answer
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Answered on September 19, 2013
After the foreclosure sale, there is a 10-day upset period in which any other bidders can bid more for the property. Assuming that does not...
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