The loan has to be either federal or private. There is no other option. Ask for a copy of the promisssory note, if you don’t have it anymore. And a payment history. That’s your first step to figuring this out.

Probably a good idea. You don’t know what you don’t know. We do. We can make sure it’s the right time to file. We can help protect your assets. We can advise you against making common errors and help you fix them before you file. I think what I do is important, and necessary. That’s why I... View More

Yes, your right to child support payments is not affected by bankruptcy. Also, in Virginia, the bankruptcy trustee cannot take your child support payments away from you, which is not true in every state.

Absolutely. Spousal and child support CANNOT be discharged in bankruptcy. Period.

They can certainly put a lien on your house, that's very common. They could try to foreclose, but I've never actually seen anybody do this.

No, not really, not if you and she can't agree to this. You could ask the landlord, but don't expect anything out of this. You're the one who moved out. If her boyfriend is helping with the rent and you're not on the hook, thank your lucky stars.

In Virginia, the statute of limitations to collect a medical debt is either five years or three years, depending on the facts, but I wonder whether the hospital got a judgment against you? If so, the limit to collect a judgment from general district court is ten years, but it can be renewed for... View More

I am assuming she requested a Bill of Particulars. If that is the situation, yes, you do need to respond according to the rules of court. If the requests are informal, please consider whether your failure to cooperate will be seen by the court as prolonging the dispute. If the dispute can be... View More

The lende does not have to give you notice before repossessing your car, just before they auction it. If the car hasn’t been auctioned yet, ask the lender how much money they need to give you back your car. Expect to pay repo fees. If you can’t come up with the money now, you can file Chapter... View More

The surest way to keep your house in bankruptcy is file Chapter 13, but you might be able to keep your house in a Chapter 7. This is a situation where you need a very experienced bankruptcy lawyer, one with experience in keeping houses.

Do you have a written settlement agreement? If so, what does it say? If not, do you have something in writing to prove it, like a series of emails? That would be what controls in this situation.

No, during the trial the judge and jury only know what the witnesses testified to in court and what is contained in the exhibits which were admitted into evidence. The judge may also know information that was contained in pretrial motions, but not the jury. The jury only knows what evidence came... View More

Yes, if the case hasn't been discharged yet. You will need to pay the bankruptcy $31 to add the creditor, and follow the court rules to notify the creditor of the addition. The court requires to file the amended schedule and an amendment cover sheet. You need to send the creditor a copy of... View More

Yes, with no joint debts, you can file for bankruptcy without your spouse. It should have no effect on your spouse financially. However, both of you should check your credit reports regularly to make sure they are accurate and dispute inaccurate statements.

It is a very sad fact of life that once your personal obligation for your mortgage is discharged in a Chapter 7, the lender will not report your payments, even though they are on time. I have struggled with this for many years as a bankruptcy lawyer, and have no solution. If it makes you feel any... View More

The statute of limitations for an oral contract in Virginia is three years. For breach of contract, you can sue via a Warrant in Debt, but for a corporation, it is a bit tricky. You should talk to a lawyer to get this right, even if you decide to go it alone. You may be able to find someone to... View More

If they win on the Warrant in Detinue, they can have the sheriff come to your abode to pick up the items. Seems like not much will happen since they have an old address and you don't have the stuff anymore, but who knows? When they said they didn't want the stuff, did they put in writing?... View More

This issue should be addressed in either your separation agreement or your final decree of divorce.

The statute of limitations for medical debt is 5 years. A derogatory remark can stay on your credit report for 7 years. You can dispute the debt with the three credit reporting agencies directly. Start with annualcreditreport.com

https://www.annualcreditreport.com/index.action

Whether it's worth your time and money to get a judgment against someone who says they are going to file bankruptcy is basically a question of whether you believe the person or not. If your debt is the only major debt, they might be willing to settle with you. Whether the debt is discharged... View More