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Recent Garnishment questions

If I owe a credit card company money what happens if my

If I owe a credit card company money what happens if my income is Social Security. They are taking me to court

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LawTalk

Attorney at Law

Juris Doctor

37,188 satisfied customers
After 7 years of being in business, I have had to shut my

After 7 years of being in business, I have had to shut my trucking co operations down...would bankruptcy be my best recourse?JA: What state is this in? And how old is the truck?Customer: Tennessee....11 trucks (not all working), 11 trailersJA: Has anything been filed or reported?Customer: we have not filed with the secretary of state but have notified DOT of action and insurance coJA: Anything else you want the lawyer to know before I connect you?Customer: I owe lots of money

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DrakeLAW

Juris Doctorate

1,276 satisfied customers
I've read that IRA money has protection in case of

I've read that IRA money has protection in case of bankruptcy. What if I'm in a car accident and it's my fault, can my IRA monies be attached for settlement?JA: What state are you in? And has anything been officially filed?Customer: Nothing yet. AZ.JA: Has anything been filed in civil court? If so, what?Customer: Nothing filed.JA: Anything else you want the lawyer to know before I connect you?Customer: No thank you.

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LawGuy

Juris Doctor

43,682 satisfied customers
I have a friend that had a chapter 13 bankruptcy 5 years

I have a friend that had a chapter 13 bankruptcy 5 years ago. He had a lot of credit card debt, a motorcycle, and a few small things. The credit card debt was erased so he is only paying for the motorcycle and a few small things. This is the last year he has to pay for that bankruptcy. It will be paid off in December. He currently has a modular home financed and has been in it for 7 1/2 years that was not included in bankruptcy. Evidently he has an adjustable rate mortgage because his payments went up, up, and up to the point where he felt like it was no longer worth paying for. He has kept it in pristine condition though. He paid 148,000 for it originally but owes 135,000 on it now. He stopped paying monthly payments on the house 5 months ago. His loan was recently sold to another company but they haven't done anything about removing him yet though. I want to help him make the right decision on this. What are his options? I told him he should offer them something less, like 100,000 or something. Since they don't know the condition of it, they might assume it is destroyed on the inside and be willing to settle for less. He said that wasn't possible because under his bankruptcy, they said he could not finance anything else. What are some smart ways to handle this?

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Law Educator, Esq.

Attorney At Law

Doctoral Degree

116,710 satisfied customers
If a judgement creditor in Utah wants to garnish a bank

If a judgement creditor in Utah wants to garnish a bank account does the bank need to be in Utah, or can they garnish a bank account in another state?

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NYCLAWYER

Attorney

Juris Doctor.

42,442 satisfied customers
What will happen if I STOP making monthly bankruptcy

What will happen if I STOP making monthly bankruptcy payments?Facts:* 70 years old* SS income of $2250 per month* Medical bills will be accelerating significantly shortly as my wife has Cancer surgery pending* 4 yrs left to pay at $1520 per month

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WALLSTREETESQ

Attorney

Doctoral Degree

18,378 satisfied customers
On 1/2016 I entered into a Chapter 13 bankruptcy. Because of

On 1/2016 I entered into a Chapter 13 bankruptcy. Because of the equity in my home, I was unable to file outright bankruptcy without sacrificing what I spent 30 years paying for. I was in substantial debt, but 100% of it was unsecured (almost all of it credit card debt). I am retired and live on a fixed income. Since filing for bankruptcy, I have very little money left over after the bankruptcy and other bills are paid each month. If a major expenditure comes along, I don't know what I would do, because I had to surrender what few liquid assets I had when I filed. I doubt if my car (my only means of transportation) will outlive the bankruptcy, and as a private homeowner, there are several major expenditures that I will need in the very near future, not the least of which is a complete replacement of my heating and air conditioning system.I need to know if I can back out of the bankruptcy, and if so, what I would sacrifice in doing so. I am over 70 years old and I will probably never outlive what the bankruptcy has already done to my credit rating, so I'm not so concerned about that. What I am concerned about is whether my creditors could attach my current income which consists only of a small private pension (provided by my former employer), Social Security, and a small IRA. My only real assets, besides the IRA is the equity in my home, which is paid for.I feel that my attorney should have advised me against filing for chapter 123 bankruptcy, but that is not the focus of my inquiry. And I understand that you can't offer specific legal advise. But my inclination right now is to back out of the bankruptcy, if possible and take my chances with my creditors. The thought of not having enough money to get through the month if the least little thing comes up is killing me.I live in Kentucky.

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DrakeLAW

Juris Doctorate

1,276 satisfied customers
I am being sued by a hospital for $439 plus court costs,

I am being sued by a hospital for $439 plus court costs, legal fees etc. I have already paid off a $9000 settlement in July of 2016. I currently have a negotiated settlement for a $1400 bill of $140 a month until the bill is paid. The hospital used three different debt collectors. Would a judge combine/add the $439 to the current settlement? I just don't have the budget to pay more than $140 a month.

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NYCLAWYER

Attorney

Juris Doctor.

42,442 satisfied customers
Bankruptcy: Debtor filed Pro Se and received a Chapter 7

Bankruptcy: Debtor filed Pro Se and received a Chapter 7 discharge. How can they identify which debts were discharged, and which debts were not discharged? Debtor states Creditor is seeking wage garnishment because some debts were discharged and some weren't.

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Terry L.

Partner

Doctoral Degree

2,986 satisfied customers
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