What is the name of your state? Wisconsin We have filed a chap. 7 and we have our creditors meeting on 5/2/05. We are wanting to surrender our current truck that has a high payment and buy another truck with a lower payment. We are wanting to know when is the best time to surrender the vehicle......
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garnishment?Wed, 21 Apr 2004 21:36:00 GMTWhat is the name of your state? Tx How do these companies get ahold of peoples' bank account information without the owners knowledge? If I'm scared of this happening to me, can I change bank accounts and be protected?...
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Worried In San Antonio,tx.Fri, 31 Dec 2004 10:22:00 GMTWhat is the name of your state?TEXAS IS ANYONE FAMILIAR WITH TITAN RECOVERY GROUP,LLC. I RECENTLY RECIEVED A LETTER FROM THE LAW OFFICE OF LAWRENCE R. BOIVIN OF LAGUNA HILLS, CA. WHO IS REPRESENTING TITAN RECOVERY GROUP. THE ORIGINAL CREDITOR WAS CHASE BANK. THANKS...
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Car repo, went to court, now new debt collectorThu, 16 Apr 2009 09:15:00 GMTWhat is the name of your state (only U.S. law)? va What is the name of your state (only U.S. law)? Va We had a car that was surrendered voluntarily (2000), we made arrangments to pay the amount off and have copies of the money orders and checks (payments made 4/2003-2/2004). We were taken to......
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Judgements?Thu, 22 Jan 2009 18:37:00 GMTWhat is the name of your state (only U.S. law)? Nevada I had a credit card with a $300.00 limit over 5 years ago and when my new baby cost $80,000.00 to be born some things just had to be let go! The other day I received a call that said they were turning everything over to the county sherriffs......
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Credit Card DebtTue, 13 Dec 2005 12:11:00 GMTWhat is the name of your state? COLORADO Recently I was sent paperwork trying to sue me civilly for credit card debt that is past the SOL date. I stated that as my defense and filed the papers. The attorney then filed a motion for judgment stating my response was not a legal response and now I......
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Judgement / Garnishment What is process?Wed, 20 Aug 2003 11:52:00 GMTWhat is the typical process for getting a judgement and payroll garnishment? If a creditor is trying to get a judgement against me, will I know it? Do I find out when my paycheck doesnt show up? Thanks...
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Multiple Problems! Help!Sat, 11 Dec 2004 21:14:00 GMTWhat is the name of your state? Texas My husband and I considered filing bankruptcy about two years ago. He had a good job (autobody technician) that just went downhill and our income suffered badly. Needless to say, our credit cards got behind so we could pay the necessities but even this year,......
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Can my old boss declare me Bankrupt?Tue, 28 Jul 2009 04:38:00 GMTCan anyone help? I worked in a commision based role for 16 months. There was no employment contract in place. My boss sent me 3000 twice from his personal account as a gift between Jan 09 to April 09. I left the company 4 weeks ago and he has now filed a Statutory Demand under section 268(1)(a)......
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Can they take settlement money?Mon, 24 Mar 2003 18:20:00 GMTWhat is the name of your state? Oklahoma I am in the Fen Phen lawsuit, and it appears I may get a settlement. If I have to file bankruptcy, the only debt I plan on charging off is my credit card debt. My question is this: If I get a settlement from the Fen Phen lawsuit somewhere down the road,......
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Kohl's merges my account with another person'sTue, 01 Sep 2009 13:56:00 GMTWhat is the name of your state (only U.S. law)? North Carolina I applied for a Kohl's charge card online. Went to the store and made some purchases with the account # I was given. Fast Forward 2 weeks later, my father (with whom I share a name ONLY, certainly not address/phone/SSN/DOB) receives......
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Avoiding BankruptcyMon, 15 Sep 2008 22:48:00 GMTWhat is the name of your state (only U.S. law)? GA I LOST MY JOB LAST YEAR DUE TO A MEDICAL CONDITION WE ARE IN SERIOUS DEFAULT ON CREDIT CARDS AND TWO REPOS ALSO OWE UNCLE SAM. WE HAVE THE POTENTIAL FOR THE MONEY IN MY HUSBANDS 401K BUT WE DO NOT KNOW HOW TO GET THE MONEY OUT THEY ONLY ALLOW A......
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Do I really need to file bankruptcy?Tue, 13 Apr 2004 18:31:00 GMTMinnesota My wife and I had planned on filing bankruptcy soon. Just to make sure we had every debt listed we ordered copies of our credit reports. After getting copies of our credit reports we discovered that the vast majority of our debt is listed only on her credit report. There are many......
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Discharge QuestionThu, 18 Aug 2005 22:43:00 GMTWhat is the name of your state?MN I will be filling Ch 7 in a couple weeks. I have almost 50K in unsecured debt. Is Ch 7 an all or nothing thing, or is it possible for only part of the 50K to get discharge for example, 40K gets discharged and the other 10K I am responsible for. Also, if an......
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Capital one Credit cardWed, 19 May 2004 17:54:00 GMTWhat is the name of your state? NC I Have had this card for about a year and recently I had to make several big purchases due to my heating system going out, weel my mim. pymt jumped to 318.00 (3%) my balance is 10,500. I called the company to ask if I could send 200.00 for my pymt and not be......
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BankruptcyThu, 14 Aug 2008 14:20:00 GMTWhat is the name of your state (only U.S. law)? PA I am in the process of divorce as well as filing chapter 7. I filed chp 7 and have had the 1st meeting of creditors. One of my unsecured creditors was my father-in-law for $14000. He loaned it to my wife and I to purchase a house. There were......
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searsWed, 26 Mar 2003 15:01:00 GMTWhat is the name of your state? Louisiana sears is sueing me for my credit debt but i was unemployed.i justfound a job and i contacted some one to make arrangements to pay.the person told me i would have to do a consent judgemrnt. what does that mean? one more question what type of assets can......
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student loan bank garnishmentsThu, 02 Oct 2003 10:27:00 GMTI am aware that the department of education can intercept tax refunds, and garnish wages, but can they put a freeze bank accounts or put liens on real estate? I am more than willing to pay this damn student loan. But the original $6000 loan is now almost $17,000. It sickens me to be manipulated......
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Family LawWed, 19 Sep 2007 14:44:00 GMTCA. How to draw up QDRO(Qualified Domestic Relations Order)? I Have been unemployed for six months. I need the money to survive. My ex. will not cooperate. At her company, she has money sitting in TRIP(Taxpayers Retirement Investment Plan or 401K) and profit sharing plan. She refuses to give me......
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car & ch7Tue, 18 May 2004 06:49:00 GMTWhat is the name of your state? KY Hi! I have a question, we are about to file Ch7 and one of the things included in this is our car. The transmission went out, we couldn't afford to have it fixed and we were behind on payments anyway. So we decided to just let them reposses it. I have children,......
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civil suitSat, 06 Apr 2002 12:43:00 GMTi am from pa. recently i was sent a letter informing myself that an attorney who was representing discover bank filed a civil action suit against me. however, the suit was filed in the wrong venue. i informed the courts about this and they are telling me i have to file the appropriate pleading......
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How can I receive notices electronically from the Court? TexasMon, 10 Jul 2006 05:40:00 GMTThere are two ways to receive notices from the Court; on paper or electronically. Paper is slowest by far as notices are printed and mailed from Virginia; it can take four or five days (and sometimes longer) for you to receive notice by mail. The Electronic Bankruptcy Noticing (EBN) program......
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Repossession RightsMon, 16 Jul 2001 12:01:00 GMT5 years ago I co-signed for a car loan for my ex-boyfriend in CT. The car was subsequently repossessed because he didn't make the payments. I was never notified of the repossession or received anything from the bank. Now, this loan is showing up twice on my credit report as "Charged......
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Income Earned after FilingThu, 23 May 2002 14:14:00 GMTYOUR STATE NAME - Michigan Is it true that a trustee is not interested in income earned after the filing date? The reason I ask is this past month I have worked quite a bit of over time and I know this is only temporary. I go to my Chapter 7, 341 meeting on 5/28 and I'm not sure if I need to......
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Will the Sheriff's Offices be setup to eventually receive e-mails of new cases?Mon, 10 Jul 2006 05:00:00 GMTWe have not received any information in this regard. At this time, it is our understanding that the Sheriff's office will accept the Notice of Electronic Filing with the Clerk's office seal....
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Schedule I AttachmentTue, 23 Aug 2005 23:07:00 GMTWhat is the name of your state?I make a few dollars each month from a home business. On Schedule I, under "Regular income from operation of business or profession or farm" it states "(attach a detailed statement)". Does this statement need to be in a specific format? What......
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Discharched & Auto in KansasMon, 17 Sep 2001 09:13:00 GMTI was discharged from my bankruptsy about 2 years ago in Kansas. In the bankruptsy, we told the lawyer not to include the 2 cars as we needed them and intended to continue paying. 2 months ago I got my credit report and found that one car shows a charge off and the balance is $0. I have been......
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What's the Trustee Thinking?Tue, 25 Jan 2005 07:28:00 GMTWhat is the name of your state?What is the name of your state?PA Received brief from trustee giving 3 scenarios of Chapter 13 for husband. At the time of filing, he provided latest 3 paystubs - 1 had overtime in it. So....Scenario #1 -- Trustee took the paystub with overtime and annualized it and......
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Chapter 7 - question about my mortgageMon, 16 Oct 2000 20:09:00 GMTi am divorced and allowed my x-husband to remain in our marital home with the understanding that in three years he will attempt to re-finance in his own name. he has one year left to do this. he is making the mortgage payments and the only interest i have in the home is if we sell it. i will......
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Better off single!Mon, 13 Aug 2001 16:08:00 GMTND I read the postings for about 5 hours and didn't find anything that particularly answered my questions so please be patient if you think that these are common questions. My husband of 6 months had gotten into a lot of trouble in his younger years w/ money (wrote bad checks, wrote company......
There are two ways to receive notices from the Court; on paper or electronically. Paper is slowest by far as notices are printed and mailed from Virginia; it can take four or five days (and sometimes longer) for you to receive notice by mail. The Electronic Bankruptcy Noticing (EBN) program......
5 years ago I co-signed for a car loan for my ex-boyfriend in CT. The car was subsequently repossessed because he didn't make the payments. I was never notified of the repossession or received anything from the bank. Now, this loan is showing up twice on my credit report as "Charged......
YOUR STATE NAME - Michigan Is it true that a trustee is not interested in income earned after the filing date? The reason I ask is this past month I have worked quite a bit of over time and I know this is only temporary. I go to my Chapter 7, 341 meeting on 5/28 and I'm not sure if I need to......
We have not received any information in this regard. At this time, it is our understanding that the Sheriff's office will accept the Notice of Electronic Filing with the Clerk's office seal....
What is the name of your state?I make a few dollars each month from a home business. On Schedule I, under "Regular income from operation of business or profession or farm" it states "(attach a detailed statement)". Does this statement need to be in a specific format? What......
I was discharged from my bankruptsy about 2 years ago in Kansas. In the bankruptsy, we told the lawyer not to include the 2 cars as we needed them and intended to continue paying. 2 months ago I got my credit report and found that one car shows a charge off and the balance is $0. I have been......
What is the name of your state?What is the name of your state?PA Received brief from trustee giving 3 scenarios of Chapter 13 for husband. At the time of filing, he provided latest 3 paystubs - 1 had overtime in it. So....Scenario #1 -- Trustee took the paystub with overtime and annualized it and......
i am divorced and allowed my x-husband to remain in our marital home with the understanding that in three years he will attempt to re-finance in his own name. he has one year left to do this. he is making the mortgage payments and the only interest i have in the home is if we sell it. i will......
ND I read the postings for about 5 hours and didn't find anything that particularly answered my questions so please be patient if you think that these are common questions. My husband of 6 months had gotten into a lot of trouble in his younger years w/ money (wrote bad checks, wrote company......
What is the name of your state? KY Hi! I have a question, we are about to file Ch7 and one of the things included in this is our car. The transmission went out, we couldn't afford to have it fixed and we were behind on payments anyway. So we decided to just let them reposses it. I have children,......