Has my creditor broken NJ laws regarding financial hardship due to Covid-19?

I agree with your State attorney answer there already. Any debt you owe the creditor can assign or transfer for collections. If you dont reach an...

What am I responsible for doing in this situation?

Well..if they DO ever commence after you on any portion or all that you cannot afford, possibly bankruptcy is an option. However, I would always...

First, if you did not sign contract and just user it does not affect as you are not liable..unless...see #2 #2. In older days I kept a Sears...

File any and all corrections forthwith. The only charge on amended Schedules DEor F if new creditor added . Correct any and all prior filings if...

First, we dont know if the motion was already heard and if so, what did judge rule, and when, in case a motion for reconsideration or appeal is...

1st, you need to employ an experienced bankruptcy attorney in your state is my advice. 2nd, each state has its own homestead laws so I will let...

First, speak with your attorney. Second, make sure your attorney has listed that asset in schedule B and exempted any fmv in Schedule C and...

How can I straighten my credit as the primary on a loan that cosigner filed bankruptcy on

1st, make sure all payments are on time. 2nd, as co-signor the contract between both of you governs the terms of who pays, who possesses, etc. ...

It is unknown, besides the great prior answers, how old the debt is and as such we dont know if a Statute of Limitations has expired . That is...

1st, like buying a house or car and $ owed on it, when you file bankruptcy you do NOT own the house free and clear. The pool place may have a valid...