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- How should I document decline in a rental property to protect my security deposit?
- Can I change my child’s last name from the father’s surname to my surname?
- Do I need the consent of the father of my abandoned child for him/her to be adoped by another man?
- When my former employee is called during the process of a new job, what are they allowed to say/not say?
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In a debt management program, you are paying the company a monthly debt management payment for a period of usually 3 to 6 years that they will apply to a monthly payment to each credit card in the program until the debt has been paid. Continue reading
Generally, debt settlement is a process in which a company, individual attorney or law firm negotiates settlements of your debts after you pay a fee and pay into an escrow account for many months or years. Continue reading
While your exemptions allow you to keep property even in a Chapter 7 case, your exemptions do not make any difference to the right of a mortgage holder or car loan creditor to take the property to cover the debt if you are behind. In a Chapter 13 case, you can keep all of your property if your plan meets the requirements of the bankruptcy law. Continue reading
In most cases, you will not lose your home or car during your bankruptcy case as long as your equity in the property is fully exempt. Continue reading
If you live in Ohio, you must use the Ohio exemption law. You cannot use the federal exemptions. You should consult a skilled bankruptcy attorney to discuss with you how Ohio exemption laws apply to your individual case. Continue reading
If you live in Kentucky, you may claim the protection of the federal exemption law or the state exemption laws, consult a skilled bankruptcy attorney to determine which exemptions to use. Continue reading
The Fair Debt Collection and Practices Act (FDCPA) prohibits debt collectors from using abusive, deceptive, and unfair debt collection practices. Continue reading
Many debt collector callers can be very abusive. Most of them get paid on commission. It is important to know that they are not allowed to threaten you. Continue reading
Once you have retained an attorney, you can refer any debt collection calls to your attorney who will handle them for you.