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Recent Credit Card Debt questions

Its not really a bankruptcy question. Its more on

its not really a bankruptcy question. Its more on garnishments and judgments. Is Mr. Terry still the right lawyer to talk to?JA: What state are you in? And has anything been officially filed?Customer: Arkansas. and yesJA: Have you talked to a lawyer yet?Customer: nobody open on the days im available. I live in rural arkansas and we literally have 2 lawyers. One is half deaf :/JA: Anything else you think the lawyer should know?Customer: Does Mr Terry deal with garnishments & judgements or?

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Terry L.

Partner

Doctoral Degree

2,862 satisfied customers
When someone files for BK chapter 7, how much time must

When someone files for BK chapter 7, how much time must elapse from the last time one used a credit card to the moment one stops paying it?

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LawTalk

Attorney at Law

Juris Doctor

32,462 satisfied customers
I recently got divorced and got stuck with all the credit

I recently got divorced and got stuck with all the credit card debt, over $55k. Now being on a single income I'm burning through my savings account just to make the minimum monthly payments. I've never been late on a payment and have always had good credit and I don't want to file for bankruptcy, cause I'd have to do chapter 13 cause I make to much money to file for chapter 7. I looked into the credit card debt relief companies, but really don't want to go delinquent on my credit cards while they try to settle with the creditors. So, my question is, I got a phone call from a company who says they can do credit card debt dismissal. Where they get all my credit card debt completely dismissed, I guess they file some paperwork for the collection agencies who purchase my debt from the creditors stating prove that I owe what I owe and I guess the creditors don't give all that info to the collection agencies, so it gets dismissed. They also state that they get the negative marks on my credit report removed after the debt is dismissed. I obviously have to go delinquent on my cards with this program as well and would have about a $600/month payment for 30 months, compared to $1400/month for my minimum monthly payments. Have you heard of this type of company and is it legit or can debt not get dismissed like that and this company is a scam? Thanks.Troy

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Texas Atty

Juris Doctor

35,342 satisfied customers
I have a question regarding bankruptcy. My mom has listed

I have a question regarding bankruptcy. My mom has listed her home for sale in February...unfortunately she hasn't been able to sale it and she is falling behind on all of her bills. Would banduptcy be an option? She filed bankruptcy about 15 years ago...

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Texas Atty

Juris Doctor

35,342 satisfied customers
Looking at my options to file ! : No. I was just doing

Looking at my options to file for bankruptcy!JA: The Bankruptcy Lawyer will need to help you with this. Have you consulted a lawyer yet?Customer: No. I was just doing research on it firstJA: Please tell me everything you can about this issue so the Bankruptcy Lawyer can help you best. Please give me a bit more information, so we can help you best.Customer: I have over 19,000 dollars in credit card debt, student loans, personal loans, I recently bought a house with my ex and I am no longer living there so I go a place I could not afford and started paying bills and using my credit cards for help, now I am struggling paying it back and falling behind on rent and car psymentsJA: OK. The Bankruptcy Lawyer will need to help you with this. Is there anything else important you think the Bankruptcy Lawyer should know?Customer: Like?JA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Bankruptcy Lawyer about your situation and then connect you two.

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5,184 satisfied customers
Credit Card Debt vs PERSONAL LOAN (LENDING CLUB;PROSPER)

Credit Card Debt vs PERSONAL LOAN (LENDING CLUB;PROSPER) DEBTHello .,I lost my job and I am not able to make payments on my Debts,both Credit Crad Debts and Personal Loan Debts(Prosper and Lending Club).Question:How long after being first time PAST DUE,can credit cards sue me for the debt owed to them?Is it different for Personal Loans?Can they sue anytime OR they MUST,by Law,first try to collect,then selling debt to Collections Agencies?

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legalg

Juris Doctorate

13,542 satisfied customers
My ex and I jointly filed in Florida last year.

My ex and I jointly filed for divorce in Florida last year. She had $26,000 in credit card debt, which was solely in her name. We used a Florida Supreme Court Marital Settlement Agreement form, which stated "Wife shall pay as her own the following and will not at any time ask Husband to pay these debts:" The words "indemnify" and "hold harmless" were nowhere on the form. She has not payed her debts and is being actively sued by Discover in Leon County, Florida. She also plans to file bankruptcy, though I don't know whether Chapter 7 or 13. Can her creditors hold me liable for her debts?

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LawGuy

Juris Doctor

36,306 satisfied customers
Have a personal loan through loan depot was wondering if we

have a personal loan through loan depot was wondering if we could file a chapter 7 bankruptcy . They sent us a refund check in which we cashed because they said they had made an error on their part . we don't have the money to pay the loan payment. we have to make our house payment and car payment these two payments here are almost $830.00. Can you call me at(###) ###-####to see what we can do

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Christopher B, Esq.

Attorney

Juris Doctor

5,036 satisfied customers
Joint bankrupcy. MARRIED COUPLE.Illinois stateMe and my

Joint bankrupcy. MARRIED COUPLE.Illinois stateMe and my husband are considering filing for bankrupcy chapter 7.We don't have another option,as we have too much debt,and we don't make an enought money to pay the bills.I own a condo,in my name only,purchased before marrying my husband.Value is $110000.Mortgage amount $67000.We also own a car,with a loan balance,in my name also,on which my husband works as a self employed Limousine Driver.I don't have a job,I'm a stay at home mom of 2 small children.We both have huge credit card debt,which we cannot pay....Q:will we lose the home and the car?

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DrakeLAW

Juris Doctorate

544 satisfied customers
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