Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
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Have I just learned a horrible lesson about not managing my life responsibly or can I get that money back and use it to settle the open lien?
Did you file bankruptcy and have the lien discharged?
Or did the lender just voluntarily forgive the balance on the loan?
Did they ever notify you that your balance was showing up as zero owed to them when you contacted them?
Did they send you a 1099-C for cancellation of debt income when they forgave the debt?
How much are we talking about here?
That is correct. No attorney would even consider this for under $1500-2,000 and there is no guarantee of getting your attorney fees since this is not a malicious action on the part of the creditor.
So I think you are taking the right path....talk to them, see if you have a credit balance and request a refund. If they don't show a credit, explain the situation and state that you will have to file suit if you can't get this cleared up since they were paid in error.. But if that still doesn't work, then you have to make the decision about whether you want to try and sue them in small claims court on your own or not..