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?
I cosigner a car loan a few years ago with my girlfriend at the time. We broke up, and she refused a pay it, and has been on the run to stop ot from getting repossessed. I can't afford to pay it. What are my options? I live in maine.
Find the car, repossess it if your name is on it, then sell it and pay the proceeds on the loan. There’s really no other way for you to get out from paying its. If your name is not on the title, then you’ll need to sue her to resolve this.
The debt collector said “this message is for *my name* if this isn’t *my name* please disconnect.” However, you can see the full message with visual voicemail and who would actually stop listening to a voicemail left on their phone. Then they stated their name, that they are attempting to... View More
The email stated " apparently the unsecured claims add up to more than what the plan provides, and they just realized it. In addition, there is also not sufficient funds to pay our fees to date. We will need to do an amended plan to get things paid as needed. With the additional claims/fees... View More
My first attorney verified to the Overseers of the Bar our prenup was invalid and I lost the benefit reporting him for writing a handwritten order with my signature forged on it, which gave my husband, defendant full control of our finances.
Generally, Social Security benefits are exempt from execution, levy, attachment, garnishment, or another legal process, or from the operation of any bankruptcy or insolvency law. The exceptions are that benefits are subject: (1) to the authority of the Secretary of the Treasury to make levies for...View More
I have a student loan for around 10,000 and I can’t afford to pay it. I couldn’t finish online school because I moved to make sure my kids were safe from mold and I couldn’t get internet for almost 3 weeks after we moved and I called the school and told them and they wouldn’t help me and... View More
Federally backed student loans are not dischargeable in bankruptcy, unless you can prove hardship (which has a high threshold that you don't seem to meet). Most likely, you would still owe this debt after a chapter 7 bankruptcy case. You should speak to a local bankruptcy attorney to confirm this.
Down my work hours I had a court order to move out by August 31 2011 I did in march of 2013 I called wells Fargo to tell them the fence was down and a pool was in the yard and kids were playing there they informed me it was my problem the house was mine and we ended up doing a modification when I... View More
Seven years must pass between the filing of Chapter 7 cases. The dates are counted from Filing Date to Filing Date, not Discharge/Discharge. Based upon the years provided, it has been approx 9 years, so you can refile.
Student loans, regardless of the source are generally not dischargeable in bankruptcy. There are rare circumstances when then can be discharged in bankruptcy, but it involves the filing of an expensive secondary action involving issues which can be more affordably addressed with most lenders...View More
A: That was a very long time ago. I would strongly suggest you: (1) speak with a malpractice attorney and (2) speak with an experienced bankruptcy attorney about the possibility of reopening your case, or filing a new one and doing a 522F Motion.
Debt is not the only thing to look at when considering Bky. Income must be examined to confirm you pass the Means Test (income is compared to those in your community). You must also examine transfers/sales (court could reverse transfers or sales for less than market value) and exemptions (you...View More
If there is a deficiency after the sale of your daughter's property, potentially, it could become a lien against the jointly held real property. Depending on the specific exemptions in your state, you could loose your home, should the Plaintiff chose to levy. I would suggest you speak with...View More
Undue Hardship alone is not sufficient. Student Loans are pretty much NOT Dischargeable. However, US Dept Ed does provide for a forgiveness program due to disability. The degree of disability is much, Much, MUCH GREATER than Social Security Disabled. To be frank, we're talking about a your...View More
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