I am considering filing without an attorney. The situation is a wage garnishment of a sentence that seems to be 11k for the Credit Card. (I've been in litigation for years trying to prove a fraud, but clearly have not been successful – another story) Background: single mother, head of the family, 2 children, about 7k a student loan, a car loan, about 7500 failed to pay, no property or assets, and all my income goes to rent, home and child care. I am not behind on car payments or student loans. They simply can not afford to wage garnishments and I think a bankruptcy is my only option to end the embargo. As above 11k is the only debt I need discharged in bk, I think you may be able to handle this by myself rather than hire a lawyer who can not afford. Does anyone have personal experience with this or payment a sevice that only helps with the paperwork?

I have worked with clients through bankruptcy and have found a lawyer to be the best way to handle the situation. With the new bankruptcy law, may not be able to get the debt under Chapter 7 discharge if: Your gross income for the six months preceding the bankruptcy is that middle-income status, and (a) your income minus deductible expenses in a period of 60 months is more than $ 10,950 or (b) is income minus deductible expenses in a period of 60 months between $ 6,575 and $ 10,950, and is over 25% of non-priority debt. So you can see it now becomes confusing. (Typical of the regulations government.) So you need to ensure that their right to file Chapter 7 before, because if you do not, you will need to use Chapter 13 to pay debt over a period of five years to three. Their housing costs are taken into account when determining how much you are able to pay creditors. The Reform Act changed the way Most of these expenses, including rent, food and clothing to be fixed. It used to be decided by you and the court. The new law now uses IRS guidelines, which are considered usually very strict. If you wish to challenge the guidelines, you will need to request a hearing before a judge. Another reason for a lawyer. Under the new law, must now suffer, for his own account, a credit counseling agency nonprofit credit counseling approved before it can declare bankruptcy. This process can take up to three months while the agency tries to develop a payment plan between you and your creditors. In addition, you must complete, also in charge of a personal financial management course of education before obtaining a discharge. The new law also requires greater disclosure. In addition to providing a list of creditors, schedules of assets, liabilities, income and expenditure and a statement of financial affairs, now has to provide: paycheck is two months prior to the filing. Tax returns for previous years and current. Detailed monthly expenses. Other disclosures. Photo ID administrator's request. So you can see, this is only a formality. The lawyer could look at your situation and tell you whether bankruptcy even be considered. He may be able to take a look at the sentence and some work or have been removed completely. Even if you have to hire a lawyer, payment plans, and cost usually between $ 500 and $ 1,500 (slightly more or less depending on where you live), much less try to pay the $ 11,000 you owe if you can not get high. Here is a website with information on how to start a pro bono lawyer, and how to find one in your state. http://www.probono.net/. If you get a lawyer on your side quickly, he may be able to stop wage garnishment while investigating the sentence. You can see the problems that have been trying to prove fraud to the company Credit card without a lawyer. A lawyer may have been able to clear this up for years, or at least determine the amount actually payable.

I got a call from a debt collector stating that he had a card credit outstanding for me and my ex-husband back in 95 'that was sent to collections and the setting should be given to a lawyer. Needless to say, were rude but they tell me that if I install now will cut the debt to half, which would be $ 2000 but am confused about what is happening. He said he does not have to show documentation showing the charges or signatures, but seeems kinda weird to me, how I can investigate this call came financial services credit, but when I search the web are a medical collections agency Florida, this is one of Pallatine Illinois.HELP!

You have a couple of options. What you could do is send a letter. In the demand letter to validate the debt by proving that you have a legitimate legal obligation to pay. The debt is the way most of the prescription, and simply do not have a case. Also set in his letter of cease and desist demand, so that leaves you in peace. What you should do is make a "sting" operation on them. This is what I would do if they were to do this nonsense to me. Call them, record the call, and try to re-admit what I mean. If you could prove what has just published two laws have been broken. 1) Tell you (or implying) that they will sue you when in reality they have a legal right to do so …. 2) Say no, do not have to validate the debt (saying there is no need to give proof of the debt). If you could prove These two items alone could easily sue them for $ 1,000 for each violation. thought and contact me if you need guidance. I am not a lawyer or ….. counsoler credit, but I am licensed to kill the collection agents.

My husband had a previous credit card at the time I knew him again from 1999 or 2000. They tried to contact in 2004, but had little money and would not work with him. We received no warning about this until it froze our joint checking / savings account, so it is not in court when the trial took place. I understand that money you owe will be more than the original amount because of all the interest. My husband is saying or assuming part of the money owed is all the agency fees collection. Can a collection agency legally collect fees according to the amount it cost to take their case to court for trial?

Depending on your contract initial rates for the collection might well have been included. The fact is questionable at this time. If you do not have a copy of the ruling, get one of the court. You have to pay what the amount was more the fault of the legal interest rate on unpaid judgments. His only alternative would be to get a lawyer and have the statement annulled on the grounds that not properly notified. If the last payment made by that was back in 1999 or 2000, debt, although it may have been beyond the Statute Limitations (SOL), the period for filing lawsuit. Check your status: http://www.bcsalliance.com/statute_of_limitations_on_debt.html. If the debt was beyond the Sun when the suit was filed, could have used this as an affirmative defense, which had appeared in court. Of course, you would to pay a lawyer and depending on the amount of the debt would not be worth all legal costs now.

A relative of mine has canned (fired!) In a job a few years ago. Destroyed his confidence and made him lazy. He got all kinds of credit cards and charged with a storm and then took a credit card convenience checks that had the money to pay bills. He used funds from the checks to pay the minimum payment so that your credit was good. As he ran out of money claimed more controls. Near the end of his life was about 75K in debt and nearing the end of your credit available. He died suddenly of a heart attack at age 42 while living with their parents. He never married and was broke. He had no assets. Now crediters is calling his parents and saying they have a moral responsibility to pay its debt deceased children. They have begun to make payments. What do you think?

Screw moral responsibility. The crediters are trying to pull that card. Companies have some blame in this. It spread to much of the credit no matter how you cuts it. They factor in a certain percentage of people fail …. that is derecognised. They factor in the sale of old debt collection companies. As long as parents do not had nothing for both parties (not signed) to any debt owed to zero. Debtors can throw everything they're paying so, recognizing the things of the debt. Not so. Someone has gone and that is something in itself. But no one should have to pay for debt ….. banks again to do so. Parents who stop saying all payments and creditors to take a walk. Because they know that never set foot in court.

My wife recently approached me with $ 30,000 of Credit Card Debt need help. This is the third time in our short marriage have approached me to help her. In the last two times I paid over $ 36,000 in credit cards. Him I have to cancel their cards and only use their personal check card to buy anything. Needless to say, I could not keep it from opening more accounts. Here's the question: If you call all your creditors and negotiate agreements, are the side effects (1. Bad mark on his credit 2. 1099 by the difference between stocks and agreed payments) affect my score credit or other problems to bring about? I can afford to pay in full, but that will put a serious dent in our savings affect plans to invest the money.

Good answers, very close, but you seem to ask about the effect of settlements. Settlements are a viable path to restore credit. The best thing is to make chargeoff before, otherwise they will show the account was settled after a chargeoff, while you make them at home. Make sure you get letters stating an amount lower PMT being accepted as a whole, and a letter that was paid, settled. At home, the creditors usually report to credit bureaus. If done w / agencies will to check w / cr. agencies to see if reported, if not resolved to send lttrs of whole sif to cr. offices, agencies are notorious for failing to report, except that sometimes, if they own debt. Now the other part of the question, will this appropriation effect. The answer is yes, to a lesser degree. How much you ask. Usually will not be able to obtain the best rates available cr. Fair Isaac's FICO and meet anyone, but that is supposed to get a ten (10) for a full payment and a plus seven to eight (7-8) for a solution. Not bad, but PIF and SIF mix could be better, and perhaps an argument w / one of the SIF, if you can think of a valid. Another thing, a card w / a zero balance can not be canceled, it must remain open w / a zero balance, it helps credit score. Now, with their wives situation, this can be an exception to the rule, if you can not stop this compulsive behavior obviously. Now his wife: Are you in the community owned, while its debts are yours? If so, she needs help, this does not seem right in a loving, caring relationship. Sounds of situations where perhaps a younger woman taking advantage of a greater man ,,,,, I hope not one person cares about other people's feelings, or finances ,,,,, any way for this to happen a second time does not make sense, I would seek legal advice, this seems headed for trouble. If you are married and have children, a problem. I have a friend. She was / is bi-polar. His way of dealing w / unpleaseant parts of life, to make her feel good after a few bad words w / husband, or a bad day at work, would have a credit card and go buy herself a thousand dollars in clothes. This has gone on the effect of $ 120,000 in debt w / husband bringing brand new merchandise often when he catches it, with the tags still on. Their wives should be investigated problem, I hope not to offend, trying to help and throw some possible things to consider. Yes settlements are a viable method of dealing w / excessive debt, never use a so-called enterprise solution, do it yourself.

i just requested a $ 13,000 loan to consolidate my debt Credit Card I have bad credit. so do not expect a yes from CitiFinancial. but just wondering if you could beg and entreat them by phone and maybe they will reconsider at least give me some help? Is it worth? or is like and that's NO, period. no matter what I say will not change things?

I have no credit either love better get your hopes up I'm not busting my ass to fix my creditr now ..

I'm in a really bad that I have to leave Australia to return to the UK. I have no money for a flight, etc. I am a permanent resident of Australia, but it has to go home for a family crisis. I'll force me to return to Australia. If you've used my credit card to pay for the flights, etc and not pay to change, do I track the bank in the United Kingdom and how to know if in the future affect me? I'm thinking about this by choice, but no money and no options. Thanks for your help and any pointers

I do not know your income or what is your current limit is however I would say you visit your bank and explain the situation, I know that in my bank you can set up automatic payment system that will make your minimum repayment to enable (or more) and so you can avoid the debt spiral out of control with fees. Another (better idea) would be to get a balance transfer to another card credit (not sure if I could do in England) and get 0% interest for six months and luckily this stage could start paying it off in the UK. Definitely do not let it just rot there, however, will get mortgage very hard later.

Like an idiot I found with credit card debt to college and my parents were nice enough to pay for me. Two years ago my parents divorced and my father decided then that I wanted to return. He is saying he's going to sue for the money unless you start paying him. I never signed nothing to indicate that either parent would pay back and never put me on a payment schedule or anything. Will this hold in court? Thanks for your help to answer the "Questions family "question, my parents divorced because my father was unfaithful several times. I'm almost 30 now, and my father has not said anything about the debt until my mother and started to divide the money in an ugly divorce two years long. He was trying to say it was my mother's idea and wanted to pay out of their share of savings, not to divide between the two. He of course lost the argument and now coming after me! Does that help clear up?

Even if they were related, would have to prove it was a loan and not a gift. This will be difficult without something in writing, even immediately after the cards were paid. If of parents who pay the debt of his son, the presumption of a gift is even stronger. Two years later, it is practically impossible to overcome without an agreement signed. Unless you left out vital information, your father has no chance of winning this case. Gaytheist Buddha: Under U.S. law, never the recipient of a gift tax implications. The Giver May. each parent can waive the threshold amount before you even have to report the gift, much less pay taxes. That makes that total no less than $ 20,000. As the threshold is sounded over the years, the exact amount depends on the year of donation. Rpg: The critical factor is not the agreement, is what the father can prove. Assuming that the facts in the matter of fact, the father can not prove squat.