They will have to come sue you in New York. If so, you'll be able to defend the lawsuit. Only if they get a judgment will they be able to garnish your wages.

Frankly, I wouldn't worry about it. 690 is above the national average. And assuming you are current with all your obligations and make your payments under the mod, your score should inch back up in the next 6-9 months.

Depends where you live and how complicated and/or messy your situation is. A lot of divorce attorneys charge $200-350 an hour. Mediation costs less. Most matrimonial lawyers will expect a hefty retainer. Mediators will too, though many will let you pay as you go

Hopefully, you will stand on both your legs.

In NYS, you would be entitled to child support. You might be able to get spousal support ( alimony), depending on your own work and educational situation.

NYS is an equitable distribution state, meaning the split doesn't have to be... View More

That depends. Say you move from Texas to Colorado. There are judgments against you in texas. The creditor could seek to have the Texas judgment "domesticated" , that is, turned into a Colorado judgment. They have to apply to a Colorado court fo rthis and you should get notice of it.... View More

You will see GOL 5-1311 deals with the situation, depending on the severity of the damage. You may be able to argue a price reduction, but see if there is insurance covereage. You may want to demand the seller fix it: he may actually improve it for you. I had clients once who contracted to buy a... View More

It should be in the NYS OCA website library of forms.

Remember, though, you must prove more than a simple 6-month breakdown. You also have to show the Court you have agreed to the fundamental issues ( distribution of assets and debt, custody, child support, etc). And this is best done in a... View More

From the NYS DOS website:

The Department of State does not require or maintain information regarding the names and addresses of officers or directors of corporations, the members or managers of a limited liability company, the limited partners of a limited partnership or the partners in a... View More

Yes, he could, unless Colorado has a specific prohibition against suing on time-barred debts. You would answer and raie a defense. Also, suing you or threatening to sue you on a time barred debt violates the FDCPA. Talk to a knowledgeable consumer lawyer in your area about your rights.

From TeachMeFinance.com:

Open Account -- Credit extended that is not supported by a note, mortgage, or other formal written evidence of indebtedness.

historic definition...

Open account -- Same as running account, although the term open account is usually employed. In trade... View More

It is legal for a third party to buy the account an ask for whatever was owed under the contract. Think about how old this account is. If it was a credit card with a 25% interest rate, adn it went unpaid for 3 years, the amount the card company says it si owed would be the principal x 1.75. You can... View More

In a class action, the court will fix the attorney's fees, usually based on the hours spent and a reasonable hourly rate.

Did you file a frad affidavit? You can find one at the FTC website.

Under the FCBA, you should dispute teh charges he made on your credit card to the issuer within 60 days of the statement on which they appear.

Both should protect you.

The income execution will tell you who sued you, what court, when the judgment was entered. Go to that court clerk and pull your file. You can call the lawyer who issued it, they should be able to tell you, but you will want the file to assure yourself of what their claim is all about.

They may be violating the Fair Debt Collection Practices Act as well as the Fair Credit Reporting Act. Seek out an attorney who belongs to the National Association of Consumer Advocates to get more particular advice. There are some good ones in Alabama

There is a profession in tne NYS Education Law Title 161 regarding " Certified Interior Designers" My understanding is that you must have the certification or work under one with a certification in order to perform as an interior designer. Cities and counties may have their own... View More

The disadvantages are you will have to go through the process of having her removed, which means notice then off to court. The tenant naturally could claim wyou are being dsicriminatory. Take pictures, have witnesses, paper the trail

Conley v Gibson was overturned a few years ago. It dealt with the standard use by federal court judges to determine whether a complaint states a cause of action under Rule 12(b)(6) in the federal court. It has nothing directly to do with frivolity, but whether the plaintiff has stated a legally... View More

I hope you had him sign a promissory note. If note, see if you can do so now. "I should say I owe you X, with interest, payable as follows...."

If you can't get him t sign, or he becomes evasive, think about starting an action. There are subtle ways to do this, i.e., without... View More

Chap 13 will freeze all the debts and you can tote them up and pay a percentage off ove 3-5 years. And based on your income situation, you might qualify for a Chap 7. Howver, under a 13, you have to pay off the arrears AND stay current on your mortgage. If you are having a hard time doing that, a... View More