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I just received a notification that a creditor is garnishing

hello. I just received a notification that a creditor is garnishing my wages starting next month. I work for the school district. What can I do. Im ready to file bankruptcy if i have to. so 2 questions. what should I do to stop this garnishment? If I file, how long does it take to stop them?

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Barrister

Attorney/Landlord/Realtor

Doctoral Degree

54,094 satisfied customers
I have recently secured two mortgage modifications on my

I have recently secured two mortgage modifications on my homes -one a homestead and the other a second home that were renting out .Now I am about to file a BK13 before my first payment in June for both homes do I submit the modifications in the BK as they are stated to pay ? I do not want to have to pay the arrearage and the new bank note at the same time which is not affordable to say the least.Carlos

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DrakeLAW

Juris Doctorate

1,420 satisfied customers
Someone, who is married, is filing BK chapter 7, alone, on

Someone, who is married, is filing BK chapter 7, alone, on debt owed alone, acquired several years ago. He owns and occupies (1) his homestead, a single family home with an HOA, (2) co-owns with spouse a second-home on the beach, in tenancy by the entirety (he was added by spouse through quit claim deed). Spouse acquired (3) a small condo 4 months ago, that is temporarily occupied by relatives rent free. Question: Is it standard procedure for the court trustee to formally contact associations of any property listed and request occupancy information?

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Phillips Esq.

Attorney

Juris Doctor

22,252 satisfied customers
At what point in the process will a bankruptcy show on your

At what point in the process will a bankruptcy show on your credit report? As soon as you file? After you are done in court and it's discharged? How long does it take to show up? I'm considering timing of when I do a BK if I decide to do one as it could influence potential landlords for my upcoming move.

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Terry L.

Partner

Doctoral Degree

3,000 satisfied customers
My Fiancé lost his job in January. While looking for a job,

Good Evening -My Fiancé lost his job in January. While looking for a job, he developed a bout of diverticulitis and ended up in the ER after hoping 4 days the abdominal pain would go away. He was treated and discharged. What this boils down to - he is unemployed and uninsured.As expected, the ER bill has come in....As you can guess, the ER bill is beyond outrageous.We don't want to go to collections for an ER visit we didn't want. Brian called the hospital once to discuss this situation and whomever was on the phone stated 'we cant do anything until the bill goes into collections'.1) How can we word a letter to ask for help from the Hospital in the reduction of the hospital bill? Brian is willing to make small payments, but cannot make anything significant as he still has rent/car payment and his car insurance.BTW - was treated in a Colorado hospital but resides in Wyoming.Any help would be appreciated.

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NYCLAWYER

Attorney

Juris Doctor.

42,952 satisfied customers
I think this applies to someone in collection law... but ill

I think this applies to someone in collection law... but ill try to be brief: Im being sued out of state, someone purchased my vehicle on ebay, claimed not as described. This is about a year old. Prob headed to trial. Anyway - i have no more money to fight the case and i dont want to declare BK to just make this "go away."1) i do not have any assets of any kind, and minimal savings. am currently unemployed. i was formerly in california at the time of the sale, but now live in VT. HOW would they seek to collect on my checking account there (less than $8K).2) how can i protect what i have? Start an LLC and put my $ there?3) alternatively - is it within my rights to file for a continuance in the hopes of finding representation at some point? IF there is a trial, i will not be able to go at this point and a default judgement for what should be an open and shut case would really be a shame...THANK YOU!!!

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legalg

Juris Doctorate

19,058 satisfied customers
Bankruptsy quesiton, ma, not yet, i would like to know if

bankruptsy quesitonJA: What state are you in? It matters because laws vary by location.Customer: maJA: Has anything been filed or reported?Customer: not yetJA: Anything else you want the lawyer to know before I connect you?Customer: i would like to know if rent expenses count as means test

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legalg

Juris Doctorate

19,058 satisfied customers
MY ATTY NEVER SUGGESTED BANKRUPTCY I just settled on a L/T

MY ATTY NEVER SUGGESTED BANKRUPTCYI just settled on a L/T commercial case 2 days ago. I owed under $200k in back rent (for 4 properties), plus I had an option to purchase for $1M plus about $200k in back taxes and liens. Total around $1.4M.I settled because I was tired of fighting and if I lost, I was afraid of getting a jdgmt against me for $200k. I am in the process of selling my only other house and with the jdgmt then I would lose my equity in that sale.The day I settled, the judge asked 1) was I satisfied with the representation of my atty--YES 2)was everything explained to me --YES 3) Did I understand everything--YES. I agreed not to sue the plntf and gave up all rights to the props.I just now realized that if I sold --the 4 properties are worth around $1.7M.QUESTION--Is it too late to save the equity and do something thru BK chapter 7. I never did the numbers and my atty never suggested this idea of BK

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NYCLAWYER

Attorney

Juris Doctor.

42,952 satisfied customers
BANKRUPTCY: I have 2 questions 1. Debtor owes the Landlord

BANKRUPTCY: I have 2 questions1. Debtor owes the Landlord $4800 of back rent; and they are still occupying the residence. Landlord has not filed for eviction YET. Can the debtor include the $4800 of back rent in their Chapter 7 bankruptcy?2.Debtor is filing Chapter 7 bankruptcy and has 2 Title Loans on the same vehicle. Can they include the Title Loans in bankruptcy and retain the vehicle? 2003 Honda Odyssey is paid in full; but has 2 title loans against it.My thoughts to both questions is no; but I just want to ensure I understand correctly.

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Phillips Esq.

Attorney

Juris Doctor

22,252 satisfied customers
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