Unemployment runs out before I can collect social. I have no 401k or savings, I can't pay the minimums and don't know even know which debt companies are reputable? Does using a debt company prevent me from applying another recourse later?
answered on Dec 23, 2022
Several thoughts.
First - if your only income is Social Security and you have no significant assets you don't need to do anything since creditors cannot garnish SS income.
Second - I have never had a client who had anything good to say about debt consolidation companies.... View More 
I have a lawsuit that wages are garnished for from an old car repo and I just received papers for a car that I co-signed with my ex about a civil suit I am not currently working and I think I need to file bankruptcy if I can but am lost as to how to even get the right paperwork to file
answered on Jun 15, 2022
You can certainly file the bankruptcy by yourself but I'll bet every bankruptcy attorney who sees your question will agree that it is almost always a terrible idea.
That being said you can go to this link and get the forms and some guidance on how to do it yourself:... View More
answered on Jun 19, 2023
Depends on a lot of question too numerous to list. Just a few:
Property valuation.
Which exemptions you can use.
Your age.
Your family size.
Your sources of income and amounts.
Your expenses.
Anticipated changes in income and expenses.
Its a bankruptcy case
answered on Dec 22, 2022
Assuming you are asking for yourself and not for somebody else you should contact your attorney and find out exactly what happened. Without more information there is no way to really answer the question.
In general, cases can usually be reopened and the paperwork filed. There may be other... View More
On 03/02 I got an email from work with a "writ of garnishment" dated 02/08/22.I was not properly served from the creditor. The writ states "plaintiff received judgement against defendant for $6,875 on Feb 01 2018. The plaintiff is Credit acceptance corp. However, I was never served... View More
answered on Mar 9, 2022
I have handled many cases like this and have had judges set aside the Default Judgment. The form you are looking for is called "Motion to Set Aside Default Judgment. Here is the link:
https://www.courts.michigan.gov/siteassets/forms/scao-approved/cia04.pdf
You would need to... View More
I have been in my chapter 13 for over 2 years and realized I was supposed to supply tax returns and refunds to the trustee but I haven’t. I’m not sure what my next step is as I’m afraid to bring it up and have my case dismissed.
answered on Aug 16, 2021
You should turn in returns ASAP and contact your attorney if you have one. Otherwise contact the trustee and own up to your mistake.
It will only get worse if you ignore it and your case will get dismissed if you don’t makes it up somehow.
My chapter 13 In Michigan tax refund portion is silent. Will I get a refund? If so how much am I an entitled to keep if this is silent. I really wouldn’t mind them keeping it if it paid my case off faster but this pandemic has put me out of work and I need all of my refund or pretty close to it.... View More
answered on Jan 9, 2021
In the Eastern District of Michigan the standard plan requires you to turn over your refund. It is not a matter of the trustee grabbing it.
The good news is you can always amend your plan to account for change of circumstances. Show expenses for any un-budgeted event such as job loss and... View More
Went to baker college of clinton township, they told me 2 years and 20,000 and said that would find a job for me
didnt even start on my degree until a year and a half and i got a bill from them saying i have to pay 27,000 dollars or get in trouble, it was just lies after lies from them
answered on Oct 28, 2020
Not enough information. Is the case pre 341, post 341, pre-confirmation or post confirmation?
I have a garnishment from my employer. They take payroll taxes off before determining disposable income. What's to stop me from just raising my additional federal withholding by a lot to make my disposable income too low to garnish and then get huge federal refund next year?
Edit:... View More
answered on Mar 29, 2020
How much is the debt? You are going to have to deal with the debt sometime. If the debt is a garden variety judgment in a MI Court you could ask for a payment plan. Why not file the bankruptcy (if you can). In a Ch. 7 you can get back everything garnished in the 90 days before filing if it totals... View More
The money that was in my account was to file bankruptcy, all the courthouses are closed to the public due to the Coronavirus. Everything I had was in my account, now I have no money for rent, food, my car. Is there any way to fight this during a national emergency?
answered on Mar 22, 2020
You can still file a bankruptcy. Bankruptcy courts are still operating electronically.
No attorney-I’m on disability fix income can I qualify for hardship discharge? Homestead exemption what does it do?
answered on Mar 5, 2020
Do you have an attorney? If so talk to that person. If not you need to supply much more information.
Can I go to jail for not paying my criit card debt
My checks have been garnished since the beginning of my chapter 13 plan and my payments have been paid timely. I am on my last payment for the last creditor that has to receive payment. At what point can I expect to have the income withholding ended so I can receive my full paycheck again?
answered on Feb 9, 2020
Check with your attorney assuming you have one or if not call your Ch. 13 trustee's office.
answered on Jan 16, 2020
Yes. And if there was more than $600 garnished in the 90 days before the case was filed you can get it back.
will the creditors go after the house if he applies by himself alone for the bankruptcy?
answered on May 7, 2019
Not enough information. What is the husband's income? What is the wife's income? Can he file a Ch. 13? Could save the house if so.
I live in michigan.
answered on Jul 23, 2018
In addition to what Mr. Phillips said I would add the additional information that it depends whether you are seeking a discharge or whether for example you need to stop a foreclosure or get back a seized vehicle. In those examples you can file a Ch. 13 right away and get caught up on the past due... View More
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