Under California Chapter 7 Bankruptcy law, is there a total of ALL exemptions under Schedule C? If so, what is the total dollar value of ALL exemptions and where is this indicated in the law (i.e., what case or statute)?I'm taking no homestead exemption. I'm taking:1. a total of $23,148...
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State Refund OffsetWed, 02 Feb 2011 12:01:00 GMTCan Kansas State take my refund check to pay a consumer debt that is already in my bankruptcy case pending discharge?...
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Do I have any rights?Sat, 22 Jan 2011 09:03:00 GMTI was wondering if you could answer this. I realize I waited until the last minute to find this out and the person that we won a judgment against has a bankruptcy court date set this Monday in Madison Wisconsin.I am wondering if this will be worth my time taking off of work to attend and traveling t...
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Filing for Bankruptcy after a writ of execution has been served & assets have been seizedTue, 20 Jul 2010 14:23:00 GMTI recieved a writ of execution from the district court in a small claims matter from 2007. I had a constable serve the execution and seize a vehicle belonging to the judgment debtor on friday. I get a call today from an attorney demanding that I contact the constable to release the...
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Filing for Bankruptcy after service of writ of ExecutionTue, 20 Jul 2010 14:34:00 GMTMassachusetts: I recently had a constable serve a writ of execution after I had received it from the court. The execution was served on friday where the constable seized a vehicle which was the only listed asset to the judgment debtor. I received a call today from an attorney stati...
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credit card debtThu, 29 Jul 2010 04:17:00 GMTI've been in a debt relief program for about a year now. I'm being sued by 2 credit card companies at the same time. I don't have enough money in my account to start paying either one because I have 1 more payment to make to pay off another card. My name and my spouses appear on all o...
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credit card debtThu, 29 Jul 2010 11:34:00 GMTI live in Tennessee and I have alot of credit card debt. I'd Like to know if one spouse can file for bankruptcy if both spouses names are on the accounts? ...
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Is it true that Social Security Disability payments cannot be garnished?Thu, 19 Aug 2010 15:19:00 GMTI paid a collection agency $50 per month for 6 months even though my income is very limited. I only agreed to the 6 payments. Now I want to lower the payments to $25 and they are refusing to accept it, can they do that? I want to know if it's true that they cannot garnish my disability so that I...
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Ex Husband is trying to refinanceSun, 05 Sep 2010 17:23:00 GMTI have filed for Chapter 7. In the divorce decree, he was awarded the house. He could not refinance at the time, so we left my name on it. Now the mortgage company will not let him refinance because I have filed bankruptcy? Will all of this be fixed when I am discharged? ...
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Reaffirmation & credit reportingMon, 06 Sep 2010 16:03:00 GMTI filed bk in 04. I think I signed reaffirmation. Mortgage payments or balance other activity is gone from my report. What is the status of my mortgage then and dont they have to report the status of my FHA loan if it it active...
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Reaffirmation of debt & credit reportingMon, 06 Sep 2010 16:11:00 GMTI filed BK in 04. I think I signed a reaffirmation of debt on my FHA mortgage. It has not been reported on my credit report since 04. It hasn't been reported reaffirmed. No action has been reported on either but ive been paying. Where am i at on debt in this thing....
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Indefinite Probation after credit checkSat, 11 Sep 2010 14:39:00 GMTI was offered a position with a company in Colorado Springs, CO a month ago. I was brought into the office to sign consent for a backround check that included a credit check. Then I was sent for a weeks training to Texas. I have been employed as management with them for nearly a mo...
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Mortgage help neededFri, 15 Oct 2010 23:00:00 GMTI filed Chapter 7 almost 1 year ago. I got paper work and many calls form the Loan co to reaffirm the loan on my car. However nothing came from the Mortgage Co GMAC I called them a few times and they told me I didnt need to do anything. I was assured that the home I was a co- owner with (my boyfrien...
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Chapter 13 & 401K Hardship Withdrawl IllinoisThu, 21 Oct 2010 09:39:00 GMTWe have a confirmed plan for Chapter 13. Now we are facing some major medical bills that will not be covered by insurance (approx. $5000). I am able to withdraw that amount from my 401K under hardship withdrawl. DO I need approval from the Chapter 13 Trustee?...
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zwicker & Associates P CTue, 15 Jul 2008 01:03:00 GMTWhat is the name of your state (only U.S. law)? OR Two weeks ago I received a letter from Zwicker & Associates P C. Has anyone heared for this collection agency is this a legal agency? Our bankruptcy was just discharged in June and 1st week of July they contacted me wanting the full amount......
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Zombie Sheriffs OfficeFri, 18 Jul 2008 00:11:00 GMTWhat is the name of your state (only U.S. law)? FLORIDA My mother gets a phone call from a sheriff (?) looking for me, he has to serve me with papers. He gives my mother a number to call (866) and a bogges looking case number. so I call the number and tell the women the guys name and she sez......
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Zombie Debt Collector/Attorney Gone WildTue, 15 Jul 2008 15:05:00 GMTWhat is the name of your sWhat is the name of your state (only U.S. law)? New Jersey Has anyone had the situation with junk/zombie debt collectors coming back despite being paid either through previous lawsuits/judgments or bankruptcy? One of the most nortorious teams in NJ has obtained a......
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Zombie debt activated?Fri, 04 Aug 2006 17:57:00 GMTWhat is the name of your state? CO Phone contacted by Arrow Fiancial Services regarding unknown debt on a credit card dating more than 10 years ago, my husband verbally agreed to a reduced payment over time and sent the first check. I then discovered that the debt was past the statutes of......
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ziinet.com, do it yourself bankruptcy online....Fri, 09 Aug 2002 12:50:00 GMTWhat is the name of your state? fl Is ziinet.com a good online way to do bankruptcy? You can print the forms from your own computer. Anyone have any experience with this good or bad. Thanks Tiffany...
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ZiiNet questionMon, 28 Oct 2002 16:59:00 GMTWhat is the name of your state? NY Am filling out chapter 7 forms with ZiiNet and have a question When filling out schedule F(unsecured creditors) when I fill in information for original debt such as a credit card there is no problem. However when I add the collection agencies to the schedule......
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Ziinet online for chap7Thu, 05 Sep 2002 16:22:00 GMTWhat is the name of your state? ny Has anyone used this Ziinet online engine to generate forms? My filing(chap7) should be relatively simple so not sure if it's worth the $199 for me. Have you people who have prepared your own forms done them out of a book of some sort? Any recomendations?......
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Ziinet bankruptcy engineWed, 09 Jan 2002 17:39:00 GMTI did my own Chapter 7 using the Ziinet bankruptcy engine and am starting this thread to discuss filing in this way and to share my experiences with anyone who is interested. I've already had my 341 meeting and my discharge should come within a month. One observation I'll share right away is......
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ziinetThu, 07 Nov 2002 13:49:00 GMTWhat is the name of your state? florida i just ordered ziinet and am self-employed. how do i prove income or lack there-of without pay-stub? i'm unsure if my information is completely accurate, and want to make sure all is complete before filing!...
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ziinetFri, 08 Nov 2002 11:29:00 GMTWhat is the name of your state? florida. thanks ladynred, i have many questions about this ziinet program, anyone out there willing to help me?...
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ZiinetSat, 30 Mar 2002 23:37:00 GMTHello Everyone, I am in the process of filing thru Ziinet; It is still a very tedious process. I was under the impression that I did not list my credit card payments on a Schedule J, do I? If that is the case my expenses FAR exceed my income. Somewhere along the line I thought I was told that......
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ZiinetThu, 20 Jun 2002 22:07:00 GMTWhat is the name of your state? CA Does anyone here use Ziinet software to file? Please advise....
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Zero balance on loanMon, 20 Dec 2004 05:10:00 GMTWhat is the name of your state? IN I just pulled my credit report and noticed a home equity line of credit that my ex and I obtained while married has a zero balance. My ex filed bankruptcy and the home with the home equity line of credit is mine in the divorce - does the zero balance mean I......
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Zero balance credit cards & Chpt. 7Fri, 26 Nov 2004 03:00:00 GMTWhat is the name of your state? CA If you have credit cards with a zero balance must you still list them when filing Chpt. 7, or do you only list cc's with a balance? Thanks....
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Zayres debt from 1989Mon, 28 Nov 2005 09:00:00 GMTWhat is the name of your state? Virginia Husband received a call at work from Portfolio Recovery Associates, in regards to a $6,000 credit card that he defaulted on 3 years ago. I was aware of the card, and had made previous payments on it for him. In talking with Josh from PRA, he informed me......
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Yup yup, one more questionTue, 10 Sep 2002 01:22:00 GMTWhat is the name of your state? Texas Im holding my BK papers right now but ive come across a message on this board that is making me sweat a bit (other then the texas sun) Ive got amex on my B6F but i have recieved a letter from a collection agency and they are trying to collect. The advise i......
What is the name of your state? CALIFORNIA I am the plaintiff in a civil suit for breach of contract... the defendant just rejected the arbitrator's non binding decision 100% in my favor. The thing that makes me think is that defense tells me to settle for a fraction of the original prayer......
Are financial institutions charges for overdraft fees account monthly charges includable in bankruptcy? If so, will it prohibit me from getting another acct or is the slate clean as far as the banks are concerned after filing Ch 7 in California? (Simply trying to include everything I can. If I'm......
What is the name of your state? Mississippi I have an installment account with a private lender, the total is around $2,500, and I take full responsibility for this debt and will make no excuse for my actions, as I am aware that my inability to pay doesn't change the fact that I still owe the......
What is the name of your state? PA Hello. If you reside in the United States and you are being harrassed by a collection company from Canada; do you, as the consumer, have protection under the Canadia consumer collection rules/regulations? I entered into the agreement with a Canadian......
What is the name of your state? NY We have a bill with a local company. I have been sending them a payment each month. In the meantime, the business went bankrupt, the owner was charged and arrested for embellezing 350,000 from the business. The last bill I received said to make the check out in......
While in a Chapter 13, that has not been confirmed yet, Can I do a inter-property transfer? This is where I move, but no fee's are accessed because of the two apartments being owned by the same company. All deposits will transfer, I will not profit from move at all. The only expense will be the......
While I was married, my husband bought a car, on his own, with his money. He then told me later that he sold the car. However, we are now divorced and I have been recieving harrassing phone calls from collection agency about the car. It seems, not only was it repossesed, but my ex-husband had......
What is the name of your state? GA I got my case number from the lawyers office today. They told me that it would be o.k. to contact Wells Fargo and tell them to come and get my vehicle (I am surrendering it). I sort of thought that the courts would do that - I am trying not to talk to my......
What is the name of your state? MI I signed a contract with a Check Payday Advance business. Included in contract is a lot of legal terminology regarding default & arbitration. If I default & do not pay back, can I include this in a Chapter 7 BK?...
What is the name of your state? Wisconsin Can anyone explain to me the Wisconsin Statute defining what amounts can be collected on an NSF check outside of the face value of the check? I am totally confused about this and have one out there and it has what seems to be HUGE fees tacked on. I just......