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answered on Jan 27, 2018
The short answer is "yes." If you were to place the $15,000 in a bank or stock account, it would be included as an asset of bankruptcy. But, paying down your mortgage on your homestead property, you essentially improve your equity in your residence.
had a medical bill of $3,200 back in December 2015. Set up a payment plan as I was unable to pay it in full. Paid 2 payments (on time) and it was never deducted off of the total (never marked as received although the $400 was taken out of my bank account and I have proof) and it ended up going to... View More 
answered on Jan 19, 2018
You must write letters and to the Credit Reporting Agencies (CRA) and dispute the debt. They are required by law to contact the furnisher of the information and investigate you dispute. If it it not corrected, you can bring an action against the furnisher and the CRA's.
A debt collector just contacted me saying they acquired my debt, and want me to respond. 1)How long do they have to collect?
2) What are my options??
Thanks!
Thanks for the response(s). It was a judgment for money, but the amount they are seeking is ~$17k more than what the... View More
answered on Jan 17, 2018
How did they contract you? By phone or letter? You should ask if they have proof of ownership of the debt.
answered on Jan 12, 2018
The Fair Debt Collection Practices Act expressly prohibits collectors for contacting debtors at work if the collector knows, or has reason to know, that the employer prohibits such communications. Many employers have policies that prohibit employees from taking or making nonemergency calls for... View More
the insurance company has already paid over $11000 to the finance co.
answered on Jan 11, 2018
If there is a payment by the insurance company, that payment should go first to the finance company and then, on a pro rata basis, to the other creditors. I cannot think of a circumstance where you would receive any of these funds.
I have lost track of who I owe. How do I get a list of who I owe and how much. Thank U
answered on Dec 18, 2017
To obtain a copy of your credit report for all 3 bureaus, go here:
www.annualcreditreport.com
answered on Dec 6, 2017
The Fair Debt Collection Practices Act "FDCPA" prohibits debt collectors from contacting debtors at inconvenient or unusual places. Some workplaces, by their nature, are inconvenient places for debtors to take collection calls. If it's inconvenient for you to take calls at your job... View More
The letter says they "have been retained to collect" an outstanding balance and "an attempt to collect a debt."
answered on Dec 4, 2017
Hayt, Hayt & Landau is a debt collection law firm located in Miami. I assume that the letter offers you the opportunity ask for documentation in support of the debt. You should get this documentation.
answered on Nov 10, 2017
Without any other information, getting married should not effect your Chapter 7.
this lawsuit is over a supposedly defective piece of equipment that no one could ever find any issue with the equipment. customer continued to use to equipment every day, my main question is, my former employer eliminated my job in Feb, 2017 and as well terminated me. i was paid 6 months severance... View More
answered on Nov 10, 2017
Unfortunately, the subpoena is a court order and you must appear, regardless of your feelings.
How do I remove a "paid" collection account from my credit reports? I need removed to purchase a home! I have reached out to the credit companies and they refer me back to the company that placed this on my report. I've reached out to Comcast who placed this as "paid" on my... View More
answered on Nov 8, 2017
This situation is covered by the Fair Credit Reporting Act. File a dispute letter with the credit reporting agency. If they don't correct the error, you have the right to sue both the furnisher of the information and the credit reporting agency.
My vehicle is in mine and my father's name and I'm filing chapter 7 in Florida. He doesn't own anything really but I don't want them to come after him.
answered on Nov 3, 2017
Technically, they can come after him but practically, they probably won't be able to collect anything.
Me and my husband are filing for Chapter 7 bankruptcy due to unforeseen medical and house repairs bills. We've never been late or missed a payment but are struggling to survive and make the payment. Do we continue to make credit card payments until the bankruptcy is finalized or do we stop... View More
answered on Nov 1, 2017
If the debt is an unsecured debt, it will be completely discharged in bankruptcy. Therefore, paying before or after you file on a debt that will be discharged in bankruptcy is a waste of money. Good luck.
Our LLC loaned the money to their LLC. They signed a Promissory Note. They agreed to $5,500 with interest from 4/20/15 on the unpaid principal at the rate of 12% per annum. They are a construction contractor so In lui of interest on the first six months they agreed to provide labor to complete... View More
answered on Oct 28, 2017
As for your options, the only course of action that you have is to sue the LLC on the promissory note. If there are no personal guarantees, your recovery is going to be limited to hopeful collection efforts against the LLC.
answered on Oct 18, 2017
There is no "proper way" to settle a judgment. You should negotiate with the debt collector. Tell them about the strong points of your position and the weak points of theirs. Then, make an offer. Let's see if they respond.
I made 2 payments they are not being accounted for. I do have proof of payments. What would my response fall under on the form??
answered on Oct 17, 2017
If you are being sued for an amount that is in excess of what you owe, then you can sue for violations of state and federal fair debt collection practices.
Good morning,
My husband received a court order to appear for a pre-trial conference/mediation and I received the order on Saturday 9/30/17.
LVNV Funding LLC (from Credit One) credit card is suing him for $1,147.62. They wanted him to appear that Monday 10/30/17, but he just had a... View More
answered on Oct 3, 2017
I am sorry for your current situation. First, I think that you should contact the lawyer on the other side and inform them of the current inability to attend the pretrial conference. However, court staff is overworked and understaffed so I recommend that someone appear to explain you... View More
I have an 11 year old debt that collectors are still trying to collect on.
answered on Sep 24, 2017
Unfortunately, there is no a time limit on a debt collector. State laws govern the length of time when you can be sued on a debt, but, a debt collector can still try and collect a debt that has been barred by the statute of limitations.
My husband and I filed chapter 7 bankruptcy last year. It was discharged in November. We did not reaffirm the mortgage, but have continued to pay the monthly payments since the discharge. My question is: Can the mortgage company do anything to us financially, if we just decide to quit paying and... View More
answered on Sep 15, 2017
The mortgage is comprised of two components: a promissory note and a lien on the property called a mortgage. Your bankruptcy filing discharged the note. That entire debt has been eliminated. However, the lender still has a lien on the property.
www.ConsumerRightsOrlando.com
I would like to file bankruptcy without my husbands income being included.
answered on May 23, 2017
You do not have to include husband's income. You are not receiving the benefits of that income..
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