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Recent Fair Debt Collection questions

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

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I got a letter from The Eaton Group stating they are

I got a letter from The Eaton Group stating they are collecting a debt from Chase Bank. I have just been discharged out of bankruptcy and it should have been charged off I pulled my credit report and it is not on there. What do I do?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

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My name is ***** ***** have a question about my ex husband not

My name is ***** ***** have a question about my ex husband not paying for a joint credit card he was awarded in our divorce in az...JA: Thanks. Can you give me any more details about your issue?Customer: We divorced in sept 2014, he was awarded 1 house that's in his name only, one hour the his sister lives in, which is financed in both of our names, a truck in both our names and a credit card in both out names. I was awarded a house, credit card and car in both our names... I have since refinanced the house in my name, I traded in my car and got his name removed from the credit card I was awarded... I was just contacted by the bank saying he is $2800 behind on the credit card he was awarded... I am a stay at home mom with no income. He is retired and works a side job. I was wondering what the bank could do to me if he doesn't pay.JA: OK got it. Last thing — Bankruptcy Lawyers generally expect a deposit of about $18 to help with your type of question (you only pay if satisfied). Now I'm going to take you to a page to place a secure deposit with JustAnswer. Don't worry, this chat is saved. After that, we will finish helping you.

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How do i get the foreclosure date changed, removed from

How do i get the foreclosure date changed, removed from credit report? It appears 4 years after we moved out and abandoned house to mortgage company and filed Chapter 13 bankruptcy.

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Roger

Litigation Attorney

Doctoral Degree

33,426 satisfied customers
Do I get a notice if a creditor wants to garnish my savings?

Do I get a notice if a creditor wants to garnish my savings? I am retired, so I've been told that my pension and social security cannot be garnished.I have a dispute with the creditor -- whom should I contact regarding this liability?

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37,826 satisfied customers
After decades of perfect credit, I got into a bad marriage,

After decades of perfect credit, I got into a bad marriage, built up debt, lost my job, and got a bad divorce, with him paying nothing towards our debt in exchange for me keeping my own retirement fund. I stopped paying off my credit cards in 2013. They've all gone to collections, along with two unpaid medical bills. I no longer get any calls about this debt, maybe because I told them all that I was going to file for bankruptcy, which i think I am. I don't own anything of value, and I'm still out of work.1) I occasionally get a notice from one of the collection agencies, making me an offer to pay off the debt at a much reduced sum. Would that actually help anything? I'd still have to recover from terrible credit and black marks on my record, but would not have the bankruptcy on my record, I guess?2) If that would be better, would it only make sense if I was able to deal with each of the five debts that way? I mean, if I'm going to have to go through bankruptcy, is there any difference between going through it for $10,000 versus $50,000?3) On my credit reports, my history shows for all four banks I had credit with that I paid on time, every time for many years, until I stopped. There were no returned checks, no late payments, no over the limit charges, etc. But I saw that one bank, after I had stopped paying and I think after I'd told them I'd be filing bankruptcy, lowered my credit limit so that the next month when my new interest and fees were added, I'd go over my limit. So now my credit report lists that offense, too. Does that make any difference, going forward? Why did they bother doing that?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

106,614 satisfied customers
I am a co-signer to a car loan daughter and son in law that

I am a co-signer to a car loan for my daughter and son in law that reside in Spokane. They purchased a Saturn in May 2007 and financed the price. Do to unemployment they were not able to make all payments on the loan. They went to an attorney and filed for bankruptcy. The court set up a payment plan for all their declared debts and they were paid according to that settlement which was completed in 2013. I am receiving collection letters and phone calls from Ally Asset Recovery Center as co-signer of that loan. They request that I send a reduced amount of $4409 on that loan. I am of the belief I do not owe anything because that debt was settled through bankruptcy. Also I am retired and on Social Security and could not make that kind of payment to them. I would like to know my obligation and the law requirements as co-signer on that loan.

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I did not reaffirm my mortgage in 2008 bkrptcy I am now wishing

I did not reaffirm my mortgage in 2008 bkrptcy I am now wishing to walkaway, can the bank call and try to collect, they have a new company servicing loan and they call every day several times

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Roger

Litigation Attorney

Doctoral Degree

33,426 satisfied customers
I need to have a second mortgage loan verified to see if it

I need to have a second mortgage loan verified to see if it is even valid any longer. This loan was made 2/14/07 and I have filed Chapter 7 bankruptcy since then and the court papers say this loan appears to have been charged off. The institution that the loan was made with, Homecoming Financial, has since filed bankruptcy as well. Partners for Payment Relief DE II, hired the law firm, Katz, Greenberger & Norton from Cincinnati, OH to send me a notice of default. I wrote and asked them to provide a copy of the transfer and assignment, including the proper indorsement, showing their right to possess and enforce the Note in accordance with the Uniform Commercial Code. Also, a search of the Deed Book and page number they cited contains no reference to the alleged assignment of the underlying Note and Mortgage as they claimed in their letter to me. This letter was sent October 28, 2014 and I have not yet received an answer. This is based on Chapter 7, Case # ***** and the loan #9914020770. Can someone please find out if this is even a valid loan that was transferred.

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