If I only have 1 unsecured debt of $13,000, but disposable monthly income of $168.00, what bankruptcy should I file? A chapter 7 or chapter 13? Or just negotiate with the creditor for a pay-off amount? I forgot to add that I have no assets of value over $1,000
Chapter 7
I bought a brand new 10x12 prebuilt shed delivered to my property that leaked from day one. After a few half hearted attempts to fix it among several non returned calls and no shows the owner of the company said he would take it back and refund my money. That was 2 months ago every time I call him... Read more »
First check the terms of the agreement. It could possibly contain provisions that include arbitration as a forum for handling disputes.
Tim Akpinar
-Dealer insisted that car was in very good condition, despite not being "certified pre-owned"
-Car battery failed 2 weeks after buying. Dealer insisted battery was good for another couple years.
-Engine started having immediate issues. Cost $200+ so far in repairs.... Read more »
Sounds like you just ran up against the oldest advice ever given concerning buying used cars (and many other things in America): "Caveat emptor" which means "let the buyer beware."
Based upon your set of facts I am unaware of any form of relief available--and that would succeed--in you case.
There is a class action lawsuit and it says the above but I am not sure if we file a claim before July 1 or after.
This question appears to relate to a settlement in Rickert, et al. v. Caliber Home Loans, Inc., and American Security Insurance Company.
The claims administrator (the company that will process and evaluate the claims) has a website devoted to the case, here:... Read more »
It's a website where you can find attorneys, post legal questions, and find other resources, such as legislative developments.
Tim Akpinar
I have sent my own legal letter and disputed claim. The municipal has a law firm after me. I don't work. I am disabled.
Law Firm after you? I think you mean the matter has been sent to collections, which means you likely missed your opportunity to dispute the ticket. I suggest contacting the Law Firm and seeing what can be done.
The contractor verbally promised a 10% discount and build date within 60-90 days if I signed a contract and provided down payment that day. I agreed and signed a contract. The contract did not list the build date. After multiple calls and text messages over the course of 8 months (the contractor... Read more »
You have a couple of options, but the best option is dependent on specific facts that are not provided here, such as the terms of the contract, and details about the contractor's company. That being the case, I recommend you organize everything in your possession regarding this message,... Read more »
said i need to look up the loan in my email back from 2011
This sounds like a scam call. If you really owned them money, you would most likely remember, and they would be eager to give you more information. Don't lose sleep over this matter.
Struck from behind while stopped in traffic May 20, 2018 in Chicago. Driver admitted fault in police report. I was driving part time for Uber at time and two passengers gave statements to Uber's insurance adjuster. Allstate handles Uber claims in Chicago. At fault insurance company,... Read more »
Did you sustain bodily injuries as a result of the collision? If so, I recommend organizing everything in your possession related to this matter, including the crash report and medical records, and consulting with a personal injury attorney. Many of us offer free consultations and will represent... Read more »
Prior didnt fill out an abatement form that I would be responsible. I have to fill the form out and it would cease any further bills but not the two months of bills they have sent out .
Matters like this are normally covered as part of the real estate closing. If no one did a readout to close the account for the sewer bill as to the prior owners through the date of the closing on the property, you're probably going to be stuck with it if you want future service at the premises.
Depending on the amount of the check, and if your sister had any other assets, you may or may not be able to avoid probate to cash the check. There are other considerations, including heirship and potential creditors.
You should contact a probate attorney in your county.
I purchased a used vehicle from a dealership in Illinois. After a week I had the vehicle in the shop for some work and it was determined at that time that the vehicle is unsafe to drive due to numerous issues with the front end. I was not made aware of these issues at the time of purchase. The... Read more »
You still may be entitled to a remedy, even if you purchased the vehicle as is, but it is a very fact specific determination. Assuming you did not purchase an expressed warranty when you purchased the vehicle, there still may be an implied warranty if the vehicle purchased had less than 150,000... Read more »
I spoke with a guy who works for a debt collection company who currently has a debt from a payday loan I took out from a tribal payday loan company. I tried to comply and pay a portion but he refused my amount and said an arrest warrant will be issued. Can this really happen?
No it cannot, and it is a blatant violation of the Fair Debt Collection Practices Act. Do you have any written evidence of the threat? In any event, refrain from speaking with the debt collector and contact an attorney immediately. Many of us offer free consultations, and will advise as to your... Read more »
Only use to work, drop off my daughther to school and home.
Assuming you are inquiring into your potential remedies, it is going to depend on any warranties that attached to the car. If there are not expressed warranties covering these issues, there may be implied warranties depending on the amount of miles on the car since you purchased it.
In... Read more »
My landlord lives in my building so it's not covered by the Chicago landlord/ tenant ordinance. I have been using the washer and dryer in the basement for 3 yrs, though it is not included in the lease. The washer does not drain and I am wondering if I can deduct the cost of the repair from my... Read more »
No.
Held a 25th anniversary party at a local restaurant/banquet hall for about 150 people. The provider messed up on the agreed upon menu and over the half the menu items were wrong. He agrees that there was a goof up that has never happened before but also agreed that this is the 2nd time with me that... Read more »
You can certainly ask for a discount, but whether or not they will award a discount is a different story. Depending on the amount of damages you are alleging, it may be worth consulting with an attorney individually in order to obtain a professional's opinion that is tailored to the specific... Read more »
Thank you for your help and your time. I would like to precise that I am not a law major...
It's impossible to answer your question without knowing the exact terms of the non-disclosure agreement and the circumstances under which you were given it to review. It's one thing if you're handed a copy and told it's what employees have to sign upon being hired, it's... Read more »
Pioneer Adjusting Firm (didn't no there contractors too) did a claim on damages to my house (expected inside from old leaky roof). I told the guy who came out here and got me signed up for the adjustment, that I was only looking to collect the money for the damages done to the house,... Read more »
Based on the facts provided, it seems that you contracted with Pioneer Adjusting Firm to perform what is called public adjusting services. There are strict rules and regulations that govern the manner in which public adjusters can do business in Illinois, and it sounds as though there may have... Read more »
I have a couple of motorcycles that customers have left behind. One customer brought their motorcycle in to get repaired and after receiving the estimate failed to come back. The other customer's motorcycle was repaired and failed to come to pay. Both motorcycles have been sitting for many... Read more »
The answer to your question depends on specific facts that are not provided here, such as the terms of any contracts signed and the location of your dealership. That being the case, I recommend organizing everything you have in your possession regarding this matter, including the contracts,... Read more »
Without giving detail of a bad situation from my teen years, I filed bankruptcy in my early twenties, finished college, went to grad school, and moved forward. Now I'm a stable forty-something with a family and when I logged in to my new mortgage servicer to download my tax documents, two old... Read more »
They showed up in the tax documents.
What does that mean.
These debts are too old to be owed and will not show up on your credit report.
You could mess up by paying on them.
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