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 
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 19, 2022
I've had several clients tell me that they've tried "debt relief" companies, but none were happy with the results (if any).
The going rate for a Chapter 7 bankruptcy filing, for attorneys fees plus court costs, is about $2,000, for a simple, straightforward case.... View More
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.
answered on Nov 27, 2022
I agree with Attorney Denison's answer. The only thing I would add is you could always contact the lender, explain the situation, and see if they will remove you from the loan under any set of circumstances.
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.
answered on Nov 26, 2022
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
answered on Aug 2, 2022
It is both normal and legal and happens all the time. Plan payments are routinely amended every day across the country.
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.
And is it legal for the brokerage company to ask for higher price than i bought it from bank
answered on Nov 9, 2018
Under certain circumstances, yes, but I would need more facts to give you a more specific response.
Would the cort de able to take money from my SS?
answered on Dec 10, 2017
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
answered on Nov 29, 2017
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
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answered on Oct 25, 2015
To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced bankruptcy attorney. Good luck.
answered on Jan 30, 2014
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
answered on Jan 30, 2014
When you file Bky everything is included. Everything you own and owe. You can keep things, such as a mortgaged property via a Reaffirmation Agreement, but still everything owned and owed is included.
I run a small business and cannot keep the doors open. But I do have a lot of cash in an account, just not enough to pay bills.
answered on Jan 30, 2014
To find an attorney you should contact your county or state bar association. Owning a business, which has a regular cash flow is not a bar to filing a bankruptcy.
answered on Jan 30, 2014
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.
answered on Jan 30, 2014
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
answered on Jan 30, 2014
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.
I know "undue hardship" must be cited. Do you have any sample forms? How and where is the request included in/with the petition? I'm in state of Maine.
answered on Nov 28, 2011
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
answered on Nov 14, 2011
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
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