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Recent Statute of Limitations questions

Back in 2009 we filed Ch 13. We have now completed that Ch

Good morning, Back in 2009 we filed Ch 13. We have now completed that Ch 13 plan. During this process, we had a 2 mortgage that we didn't pay on since the filing, then the CU got bought out by another bank at which time they wrote the 2nd loan off as a bad debt. They still have a lien on our property. back in May of 2014 we threw them a 5000.00 settlement offer. The balance is 62,000. They declined. We are going to try again to get that lien released on our home.Is there a statute of limitations where they can't collect anymore or what offer do you think we should throw out to them? Not sure how to go about this. it's been sitting at a attorneys office for years now with no communication.Thank you

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DrakeLAW

Juris Doctorate

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My mother-in-law who recently suffered a severe stroke and

My mother-in-law who recently suffered a severe stroke and lost her speech abilities just received a Default Final Judgement from Discover Credit Card which was issued on June 17, 2016 but was just received today June 22, 2016 from the Martin County, FL court. She just lost her husband and is only surviving on her limited Social Security benefits. There is no way she can pay the $7740. What can/should she do to avoid garnishments or liens?

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LawTalk

Attorney at Law

Juris Doctor

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I filed chapter 7 bankruptcy 2 years ago this June. It was

I filed chapter 7 bankruptcy 2 years ago this June. It was discharged in December 2014. I still have the vehicle in my drive way. When does it become my property.JA: OK. The Lawyer will need to help you with this.Customer: thank youJA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: simple chapter 7, no objections from creditors. this was florida by the way.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 Lawyer about your situation and then connect you two.

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Roger

Litigation Attorney

Doctoral Degree

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Thank you, so what would be your advice be .If I contact the

Thank you, ***** ***** would be your advice be for me.If I contact the company holding the debt does that not restart the clock or not. They have offered to settle with me for 10% of the original Debt. or just write it off.

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Texas Atty

Juris Doctor

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I have an unsecured debt whichhas not been paid on months.I

I have an unsecured debt whichhas not been paid on for 84 months.I have had no contact with those holding the debt but they have attempted to contact me. Do I have to pay the debt?

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Texas Atty

Juris Doctor

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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

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I filed chapter 7 in Nassau county my in 2009. One lawyer

I filed chapter 7 in Nassau county my in 2009. One lawyer told me that the reason my mort doesn't show delinquent on my credit score is because when BOA sold it it was satisfied? The chapter 7 had to include home yet my lawyer filed an exception to property ruling that my value of home was less than 150k due to being under water I have tried to refi for three years and have not paid a dime. All they ask for is updated in tax reruns applications and bank statements but they never make offer my lawyer in nyc says I should contact title company and give them chapter 7 proof he says if I don't pay for six yes house auto mine. They refunded some partial payments so I don't think that counts what would u advise me to do? It might b closer to 5 yrs haven't paid the new mort company paying taxes and homeowners ins why don't they make me an offer?

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TJ, Esq.

Juris Doctor (JD)

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Filed Chapter 7 bank...does the secured creditor for

Filed Chapter 7 bank...does the secured creditor for property need to pursue claiming it within a specified period of time without being deemed to have abandoned its rights to the property....so if creditor doesn't foreclose in 1 year, 2 years...what...or fails to take legal steps to do so

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I was taken to court old debt from discover, and a

I was taken to court for an old debt from discover, and a judgement was given in favor of the debt collector. This judgement was given in somerset county New Jersey. I began to pay the debt until I learned that there was a previous judgement on the same discover debt in Bronx new york several years back. The collection agency stopped the collection procedures due to Res judication or something like that. I had paid about $1200 dollars before learning that they should not have Gotten the judgement due to previews judgement. Now a different law firm/collection agency is trying to collect the same discover debt. They sent me a letter at my mothers house in ellenville NY stating that although the debt has a statue of limitations on it I still must pay them, and I should call them to make payment arraignments. There was mention of the previous judgements or payments. What can I do to get them off of me with this recurring debt that seems to around to every debt collector in the area.

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Roger

Litigation Attorney

Doctoral Degree

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