Questions

[Montaine]

s SubjectDate AskedExpertcredit after BK7/30/2008David  Q: David, I'm in the middle of filing for bankruptcy and trying to decide what debts I should pay and ...   A: TJ, BK is your shot to start over. File on everything possible. Many of my clients see a score ... Garnishment of bank account7/30/2008David  Q: Assuming a judgement has been obtained, can a creditor garnish a bank account that is held jointly ...   A: Mike, yes they can after they file for garnishment in court. It can sneak up you, might be a good ... Voluntary RV reposession?7/29/2008David  Q: I have an RV that I have been paying on for the past 7.5 years. I originally owed $48,00 on it, and ...   A: Sonny, Your best bet is selling the vehicle and paying the difference to the creditor. If you let ... volunteer repossession7/27/2008Scott M Channer  Q: what would happen if i volunteer to repossess my vehicle to the bank? will i still have to pay it ...   A: Sorry to hear about your problem. I may be wrong on this but this is what i think from my repo that ... Credit Repair7/26/2008David  Q: Here is my situation. I had alot of debt/bad credit in the past and have worked my butt off to pay ...   A: Rick, The situation you have described is very common to most of my clients. The good news is ... voluntarily surrender?7/26/2008David  Q: I filed bankruptcy(Chapter 7) 2 years ago. I filed my car(a 2004 grand am) and the bankruptcy was ...   A: Amber, Letting the car go back will show as a Repo. That is pretty bad as far as the credit ... Remove Collection/Charge Off7/25/2008Scott M Channer  Q: I read your response for John Hall’s question, 2006. It was very useful, thank You. I’m trying to ...   A: Pay for Delete letters do actually work. I have had success with two of them. However, sometimes it ... Bankruptcy and a School Loan7/25/2008David  Q: My Daughter received two separate school loans. To my understanding the loan would start 6 months ...   A: There are only 2 choices: Pay the debts or declare BK. Keep in mind that you can not declare BK ... car repo7/24/2008Ontrack Financial Group llc  Q: I was told from a friend that they had their car repod and they took half there wage untill it was ...   A: Rochelle, It's near impossible to tell you what the payments will be. Once you return the car ... Repo7/24/2008Ontrack Financial Group llc  Q: I too am going through something similar. I bought a vehicle and from the day that I got it there ...   A: Sam, Contact your attorney general. Advise them of the situation and request they look into your ... chapter 77/23/2008Ontrack Financial Group llc  Q: My husband and I filed chapter 7 maybe almost 3 years ago, and we kept my 2005 car, my question is ...   A: Sandy, By reaffirming the car contract, you are now legally liable for this debt. If you later ... Friendly camper repo?7/23/2008Ontrack Financial Group llc  Q: We travel on the road for my husbands job and we live in a rv. We currently want a fifth wheel ...   A: Shauna, Congratulations on you little one. Unfortunately the financial world doesn't offer a ... BK and Child Support7/20/2008Ontrack Financial Group llc  Q: My ex filed for bankruptcy(chapter 7) in Washington. He has an order to pay child support in ...   A: Tina, Filing for bankruptcy protection does not allow your ex to discharge past due child support ... car loan and bankruptcy7/15/2008Ontrack Financial Group llc  Q: I did something really stupid! I bought a car a week after I quit my job but still listed the ...   A: Mike, Bankruptcy is always an option. Is it the right option? Without performing a financial ... Motion for Relief From Stay7/15/2008Scott M Channer  Q: How long to home is foreclosed on from Motion for Relief From Stay meeting?   A: Sorry but they put me in a wrong area. I mainly do credit scores and how to raise them. So, i do ... when creditors contest7/15/2008David  Q: What happens when a creditor contests a bankruptcy? Also, we are filing a chapter 7, what is the ...   A: I would say the odds are slim. Your attorney should be able to walk you through the process. My ... BK and7/13/2008Ontrack Financial Group llc  Q: I am thinking of filing chapter 7 in CA. I am an authorized user on my mother's credit card. I ...   A: Don, Have your mother contact the credit card company and request they remove you from using the ... car loan7/13/2008David  Q: I did a volentary car repo due to a divorce and got laid off from my job the money owed is $13000 am ...   A: Unfortunately, the money is still owed and the responsibility is yours. As this is the case, ... credit card debt7/12/2008David  Q: I have approx. $40,000 in credit card debt. I have always made payments and am in good standing ...   A: No, if you settle the accounts it will adversely effect your credit score. If you decide to do it ... credit report7/10/2008David  Q: I have an issue with a $260 charge off on a cellular phone. It has been on my credit report for six ...   A: Robbie, Paying it will not remove it from the report. But it will continue to grow and do ... Student Loan7/8/2008Ontrack Financial Group llc  Q: My husband and I are dealing with harassing constant calls from a collections agency regarding a ...   A: Contact the courts and advise them the agency is violating the automatic stay. please read below ... repo vs bankruptcy7/8/2008David  Q: We recently had a decrease in income and an increase in payments with rising cost of gas etc. Our ...   A: It sounds like you need to set down with a local attorney that knows Bankruptcy law and see what ... credit and todays housing market7/7/2008David  Q: Due to the housing market and so many homes being "let go" due to the economics, do you think there ...   A: No, I don't think so. My specialty is repairing credit. Recovery from foreclosure and BK can happen ... ONE BIG MESS7/7/2008David  Q: I have one BIG mess on my hands, and hope that you can help me figure out the best way to handle ...   A: Tammy, Your best option is if he can refi it into his own name or sell the car so you can be ... Foreclosure after Bankruptcy7/7/2008David  Q: I filed Chapter 7 bankruptcy in Dec of 2007 and was discharged in March of 2008. However, I decided ...   A: Unfortunately, I must refer you back to an attorney. My specialty is repairing credit after BK. ... Cosigner issue7/3/2008David  Q: I cosigned for someone and it has now gotten to the point where the credit union is threatening ...   A: Joab, Yes, you can sue the cosigner. The other questions depend on how far in the process you are. ... Being sued after bankruptcy7/3/2008David  Q: My wife and I just received our discharge papers after filing Ch 7 bankruptcy. During the process ...   A: Cory, This question really needs to go to the attorney that helped you file. He has a ... foreclosure7/2/2008David  Q: My husband bought a house prior to our marriage approx 2 yrs ago. He has owned the house for 5 yrs. ...   A: Interesting question Lesa. The biggest thing that needs to be considered is what happens when a ... auto loan and chapter 7 bankruptcy7/2/2008David  Q: I currently have a car loan with a payoff of about $33,500 but the fair market value is only ...   A: Robert, You'll want to send this question to an attorney that does BK. My specialty is raising ... Many credit cards6/28/2008David  Q: I just read an article stating that if you have more than 6 credit cards, even if you were not ...   A: Many of my clients have had several credit cards and still achieved excellent scores. The areas ... Improving Credit with credit cards6/26/2008David  Q: My average credit score from the three agencies is 665. I have not had credit cards in more than 10 ...   A: Gerron, There are 2 ways to increase your score. 1. Remove negative items from your reports(35% ... Inaccurate credit report6/25/2008David  Q: I have a question about an old debt that was settled for less than the amount owed on it about a ...   A: Keep disputing it. Write the collection company and use certified mail. If they continue to ignore ... re: adding creditor to bankruptcy6/25/2008Ontrack Financial Group llc  Q: I have not been discharged and need to amend my bankruptcy paper work what do I need to fill out the ...   A: That depends on the laws of the jurisdiction where you filed. In most jurisdictions, if it was a ... BANK LEVY6/25/2008David  Q: ON MAY 6 THERE WAS A BANK LEVY($1,100) AND WAGE GARNISHMENT ORDER AGAINST ME SO I FILED MY OWN ...   A: Unfortunately, the money is gone due to it's collection before you filed. If you need help ... write off?6/24/2008David  Q: I recently had my credit report pulled by an agent for my lease signing for my apartment. He said ...   A: It sounds to me that the leasing agent doesn't understand how credit reporting works. A debt being ... business bankruptcy6/23/2008David  Q: when you file bankruptcy on a business with a tax id number, does it effect your personal credit or ...   A: If you have signed as a personal guarantor on the loans or credit cards you will personally be ... Timeshares6/23/2008David  Q: Can I safely stop making payments on my Timeshare? My Timeshare is with Wsetgate which is the #1 ...   A: I have toured that facility before. I bought from Orange Lake down the street. It is completely up ... Bankruptcy..6/21/2008David  Q: I filed for Chapter Seven last year... The repayments were coming straight out of my payroll checks, ...   A: Alvin, I think you meant to say you filed a chapter 13 last year. I have clients that have gone ... BK and Filing without spouse6/20/2008David  Q: I live in Wisconsin, and I am considering filing bankruptcy. I was told at my consultation, that ...   A: Ultimately, you should use a good attorney that knows the laws in your state around BK. Everything ... Credit cards for people w/bad credit6/19/2008Ontrack Financial Group llc  Q: I am trying to get a credit card, but am having a hard time. I have extremely bad credit. Do you ...   A: Antoinette, If you are experiencing a hard time with credit, why are you trying to place yourself ... Page:   Prev  |   13  |  14  |  15  |  16  |  17  | 18 

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