The statute of limitations does not apply to an existing case. The SOL is the date to bring a case. You did the right thing so far. Your issue is lack of service. You are going to have to prove you did not live with your brother when he was served as your household.

In theory yes. Practically, not likely.

There is no law that allows a person to live in their home if they are not paying the mortgage. If you filed Chapter 7 then you either intended to surrender the home or redeem (pay off the entire mortgage).

This is a relatively simple process though its use has been restricted in certain transactions. Any attorney with my credentials could handle this matter for you.

Filing a bankruptcy will remove the negative remarks from your credit and permit you to start fresh. If you don't intend to file for bankruptcy, you'd have to sue your cosigner - which would be much more expensive and difficult than filing bankruptcy!

If you're interested in... View More

You could. It is necessary to review the documents that you have and whatever evidence you have collected. Many attorneys charge a flat fee to go to Small Claims Court.

If this is just a claim, it may be a scam and if not, the statute of limitations is a defense to any claim. More likely it is a judgment, which expires next year (after 20 years) if entered in 2002. While technically a car could be repoed, the likelihood is next to zero. I would ignore it.

Sue the roommate

If you have a default against you, then I am not sure what is on the calendar in court. If you are in default, there is no discovery. I think you are unclear of the posture of the case. Depending on how much is involved, you might want to hire a lawyer. If there is a hearing, you can definitely... View More

Please try to ask your question more clearly for assistance.

Yes. If what you say is true.

1. Yes. NY judgments are good for 20 years. 10 years is as a lien on real estate. Yes, it can be renewed.

The whole issue makes no sense. You have no liability for your father's debt. A lien on property follows the property. I do not think this collector was trying to collect this debt, unless you were on the card also. The SOL is six years from the last payment. Based on your post, even if... View More

The Statute of Limitations in NY for a debt is 6 years from the last use of that credit or last payment. The SOL is an affirmative defense meaning you would have to plead it to use it in a suit. If the creditor sues you then you would have to answer it with the Aff. Defense of SOL. As for the... View More

It sounds like you are confused. To freeze an account there must be a judgment. The judgment lasts for 20 years in NY. The statute of limitations refers to the time to bring the initial case to get the judgment. To vacate a judgment you need to make a motion in the court that entered it. These... View More

You have a defense to the claim, and you can bring the laser provider into the case. This is not a case where you get extra money for personal injury, etc., so we are just focusing on the $10,500 payment.

This is something that a debt collection attorney would be able to advise best on, but you await a response for two weeks. At this point, depending on the amount at stake, it might be advisable to look into a brief consult with a collection defense attorney to look over all the alleged claims. Even... View More

You can bring a small claims case. Cases are being accepted for filing, but no cases are being tried. COVID makes this much harder.

It depends on how the judgment that caused the execution was derived, and whether your employer will cooperate.

Not if you do not live with her. But, collection agents use the address they have for you, which might be that address. Do not ignore a summons. It is easier to deal with it upfront than to vacate a default judgment.