Questions

[Sergio]

s SubjectDate AskedExpertcredit reports4/13/2014Bankruptcy Services  Q: Are credit reports free anymore? Maybe if I visit one of the three companies at a time? I would ...   A: To get a copy of your credit reports for free, go to www.annualcreditreport.com. You can get a ... Bank Card Fraud3/7/2014Brian V. Lee, Esq.  Q: Perhaps my rating of you answer to my question was given unpremeditatedly. Please accept my ...   A: I understand, however threatening to sue is not the same as actually doing so. I would personally ... Bank Card Fraud3/7/2014Brian V. Lee, Esq.  Q: Mr. Lee - I have a fraudulent charge against my Chase Bank card. It appears a lady in Oklahoma ...   A: $296.23? That is some sex toy. You must threaten to sue Chase in writing by certified mail to ... Bankruptcy1/29/2014Brian V. Lee, Esq.  Q: I was divorced in 2010. I received the house. I did a re-modification with just my name after the ...   A: Your wife can include the mortgage(in fact, she must include it) and choose not to reaffirm, ... Totaled Vehicle during bankruptcy process12/21/2013Bankruptcy Services  Q: My husband and I found ourselves needing to file bankruptcy just after the birth of our pre mature ...   A: I hope you haven't paid much yet for your present bankruptcy lawyer, if you have hired him yet. ... Overseas debt11/30/2013Bankruptcy Services  Q: I lived in Norway from 1999 to 2001. While there I incurred a debt that is now up to more than US $ ...   A: I think you may be mistaken if it is your impression that they could not enforce the collection of ... distressed property9/20/2013Bankruptcy Services  Q: I recently filed chapter 7 and I have some distressed property that I don’t want. The first mortgage ...   A: William: I don't know what you mean when you say that the first mortgage is discharged(past ... filing bankruptcy in california9/4/2013Bankruptcy Services  Q: How much does the overall cost of a chapter 7 bankruptcy in California average? How long does it ...   A: The typical cost to do a chapter 7 in California is about 1,500 to 2,000, although you might be able ... Unwanted - re aproved credit card offers in Mail9/4/2013Brian V. Lee, Esq.  Q: I have 3-4 credit card companies that I did some business with in the past, I called them 5 moths ...   A: The three major credit bureaus sell lists of individuals who meet certain credit criteria. To remove ... Bankruptcy & Utility Company8/28/2013Bankruptcy Services  Q: This is a clarification of a previous question, I was being conservative when I said I 'was not ...   A: Your question is difficult to answer because it appears that there was a prior question and your ... Post-petition electic bill8/19/2013Brian V. Lee, Esq.  Q: Brain I filed for bankruptcy on 5/4/11, which was discharged in August. I have read online that ...   A: Not making the adequate assurance payment is not the same as terminating the service. It is always ... medical bill payments7/16/2013Bankruptcy Services  Q: I have recently been sued by a certain vein clinic for non payment of a bill that I owed. I called ...   A: It wouldn't surprise me at all if the judge or the attorney on the other side were non help ... tax on cancelled debt6/9/2013Bankruptcy Services  Q: I just received a tax notice for joint tax return for $1800 debt cancelled in 2011. I live in SC, ...   A: It's hard to understand from your question just what is happening here. For example, I am not sure ... reaffirmation agreement5/11/2013Bankruptcy Services  Q: My bankruptcy was discharged 4 years ago, I did not know about reaffirmations(I know I should have ...   A: It is not so simple as having a reaffirmation form and filing it now. Reaffirmations have to be ... What should I do?3/18/2013Brian V. Lee, Esq.  Q: I have a lawsuit that was won against me for 2,300 dollars for a credit card that has interest ...   A: In some cases, the sheer number of creditors can precipitate a Chapter 7 filing because, though the ... Creditor Lawsuit3/11/2013Bankruptcy Services  Q: Greetings, I'm a 41 year old divorced male. After my ex and I separated I moved back to my hometown ...   A: Your concern that the process server or the sheriff's deputy lied and said you were served when you ... Collection agency drafte d checks and withdrew money2/21/2013Bankruptcy Services  Q: I was reviewing my bank statement and noticed 2 drafted checks that were debited from my account, ...   A: MIchellene: I was kind of surprised by your curious response, but after looking back at what ... Lender Rights2/12/2013Bankruptcy Services  Q: Sir, In 2005, I lent $20K to a property development corp being started up by the son of a dear ...   A: I feel bad for your being in such a spot that appears to be as much of a personal dilemma as it is a ... Bankruptcy considerations1/18/2013Bankruptcy Services  Q: I'm considering filing bankruptcy because of debt left over from a marriage which has now ...   A: Directly answering your question about keeping some of your credit cards, there are a couple of ... Bankruptcy1/16/2013Bankruptcy Services  Q: I'm considering filing bankruptcy because of debt left over from a marriage which has now ...   A: Directly answering your question about keeping some of your credit cards, there are a couple of ... Promissory Note(Creditor)1/7/2013Bankruptcy Services  Q: for your time. I wrote a promissory note, for $210,000, promised to a friend's uncle, underwritten ...   A: Tucker: I see that you just posted this question. I can help you but need to know more about ... Foreign Debt - Can they collect?12/9/2012Bankruptcy Services  Q: I have student loan debt that originates in the U.K. I live in Florida now. I defaulted on this ...   A: I have been contacted by a debt collection agency based in California and I want to know how far ... Credit Card Debt Loan12/7/2012Bankruptcy Services  Q: I am in my late 20s and have been through a tumultuous year - divorce and starting graduate school. ...   A: Good luck with your graduate studies. It is hard to give you any advice without knowing some ... Personal Loan to Cover Debt?12/7/2012Bankruptcy Services  Q: I am in my late 20s and have been through a tumultuous year - divorce and starting graduate school. ...   A: Good luck with your graduate studies. It is hard to give you any advice without knowing some ... Bankers Remedies10/24/2012Bankruptcy Services  Q: I have recently filed bankruptcy and I have a 1st and 2nd mortgage on my home. I am current on my ...   A: Under the circumstances you describe, I agree with your analysis. However, there may be another ... Credit card lawsuit - I'm freaking out10/17/2012Bankruptcy Services  Q: Full disclosure, I have been out of work for the better part of a year and a half. I've had to make ...   A: First, relax - this is not going to be as bad as you might be imagining. There are a couple of ... Reaffirmation Agreement10/9/2012Bankruptcy Services  Q: what is your advice on getting a reaffirmation agreement on my mortgage. I went to court today and ...   A: Winfree: This may not be as big of a problem as you might think. Regardless of what the judge ... credit card lawsuit9/24/2012Bankruptcy Services  Q: i've just been sued by a card company with 35 days to reply. I'll have to file a ch7 bankruptcy for ...   A: If you just had a bankruptcy and you received a discharge, you are not eligible to file another ... Garnishment9/23/2012Bankruptcy Services  Q: How do you handle filing an exemption when the garnishment was filed in a different state? It ...   A: It is hard to understand what is going on because your question is not worded clearly. Are you a ... Defaulted loan9/21/2012Bankruptcy Services  Q: If I default on a PRIVATE student loan that I got from Chase bank, what does that mean for my ...   A: That will mess up your credit and you won't be able to get student loans again until you take ... private student loans8/22/2012Bankruptcy Services  Q: I have several private student loans that have been in collections(some of them have been to 3 ...   A: Your understanding of the law is correct. Although there is much talk these days about how ... car repossesion7/18/2012Bankruptcy Services  Q: I purchased a car in December and in February the engine went. I have been putting money into the ...   A: I just now got your question. You have a couple of options in this situation, some of them better ... Auto loan with ex gfriend7/2/2012Bankruptcy Services  Q: Back in latter part of April me and girlfriend purchased a car. We purchased this car a 2012 dodge ...   A: Filing bankruptcy may be an option, but there is no one, and I mean no one that could say that that ... Unpaid Foreign Debt6/20/2012Bankruptcy Services  Q: I have an unpaid debt with a European car rental agency. The debt is six months old and I recently ...   A: Foreign company or not, they could sue you, either in their own name or through a collection agency ... non payment6/19/2012Bankruptcy Services  Q: My husband took out a loan for a quad for our then 18 year old son who promised to work and pay for ...   A: I will be glad to help you but unfortunately, you have not stated enough facts to be able to say for ... FICO6/16/2012Bankruptcy Services  Q: I understand that an inquiry to open credit card can lower my FICO score by a few points. How long ...   A: I don't think that anyone can tell you exactly how much your credit score will go up or down because ... paying a debt post-bankruptcy6/14/2012Bankruptcy Services  Q: I am about $50,000 in debt(basically CC and medical) and was laid off from my job and on ...   A: That kind of agreement waiving your right to file for bankruptcy protection is not worth the paper ... Bankruptcy question5/25/2012Bankruptcy Services  Q: A friend of mine is contemplating bankruptcy. She is 63, currently living on SS disability(which ...   A: Although a 7,500 debt may not seem like a large amount, as you suggest from your friend's standpoint ... Bankruptcy to avoid law suit5/21/2012Bankruptcy Services  Q: I was served papers on this past Tuesday tell me I am being sued by a creditor which I owe almost ...   A: Hard to say if bk would be a good move at this point without knowing more specific facts. I see ... deal5/11/2012Bankruptcy Services  Q: We are in the process of fighting a creditor that filed for chapter 11,(in NJ), and confirmed their ...   A: The answer to your question depends on facts that are not apparent from your question. This would ... Page:  

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