Creditor won a small claims case and a judgment was made I pay the credit card debt. I made my payments for 9 months to a Trustee. I became laid-off and I notified the Trustee that I could NOT pay the debt at this time, I stilled owe a $3000. I told the Trustee the amount owed was off by $1000. Trustee did not care and they notified the Small Claims Court I defaulted on the judgment. I did not do anything. I did not go back to court. Can I go back to COURT and explain my situation ?
I received a letter from the Creditor for Offer of Comprise. I wrote to them and told them I was laid off and told them to provide the amount of debt still owed from the Trustee. They wrote back and just sent the Court Judgment Order and told me to pay the debt. They did not validated the amount I still owed from the Trustee. What can I do ? Can I go back/write Court and explain my situation ? I was told that The creditor would garnish by wages once I became employed. Is this true ? Is it easy for them to find out who my new potential employer ? Need advice soon. Have only a few days to reply. Thanks
PS I have notfiled filed for Bankruptcy. I do not want to.
I am deliquent on 7 cards for 3 months but only one card has been calling me since the payment was 2 days late. They have called me from 8 am till 10 pm, monday thru sunday. I have written to them and even sent small payments at first but have stopped that since I can’t afford it and it made no difference to them. Their law firm called me a few minutes ago (yes on a sunday morning). I have no money to pay them anything and am a couple months away from not even being able to pay rent, so the credit card bill is last on my list. I live in a cheap apartment in a bad area, walk or take the bus (have no car), nothing valuable and no money in the bank except when pay small paycheck goes in (I make about 700 month after taxes and also have a child to feed. I wanted to file bankruptcy but cannot find anyone in this state (Texas) that offers free legal aid. If I was a violent criminal, I could get an attorney, but for bankruptcy, no one will help. I was stable for 14 years.
circumstances changed for me last year and my world fell apart. If I do ever get to file bankruptcy, can it remove a judgement from a card company if they got one on me? I have no disposable income so I don’t know what they could really get.
for those who keep assuming i declared bankruptcy because of credit card debt-u’re wrong!! i’ve never even had one credit card.. my bankruptcy case was mostly for medical bills and other bills that i couldnt afford to pay.
further more, im not a shop-a-holic, im just trying to have at least one credit card that i can use in case of an emergency.
They would not like to be the cause of bankruptcy; it will only increase their delinquent account and lose more customers. Talk to your credit card companies to waive off the late fee or lower the APR, talk about the offers they provide occasionally or request for one, in your case. … So think carefully how to manage the credit card debt during recession, a correct decision might give you financial freedom while a wrong one might tie you up for a life time. … …
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Don’t run up your credit card debt prior to filing a bankruptcy. The court may view this as an attempt to exploit the bankruptcy system, and the judge may treat it accordingly. · Don’t buy any luxury items prior to filing for bankruptcy. … Don’t wait until after filing to purchase a vehicle, if you know you will need a more dependable car please take care of that before filing your case. Each case is different if you need to do this please contact the attorney first. … …
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After filing a voluntary petition in the bankruptcy court, a notice will be sent to all the creditors. The creditors are required to be present at the trustee selection. Then the case will be assigned to bankruptcy judge and added to the …. Debtors were estopped from seeking dismissal of their bankruptcy action under 11 U.S.C.S. § 707(a) because they falsely stated that they had obtained credit counseling and had taken advantage of the bankruptcy laws for 21 months, … …
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San Diego Bankruptcy Attorney comments on the Credit Card Act News – Industry News View Comments With the rollout of the Credit CARD Act of 2009 co… … After you have spoken with one of our San Jose bankruptcy attorneys we can schedule you a free face to face appointment in our office location nearest you. Our team of San Jose Bankruptcy Lawyers can assist you with all aspects of your case. If you have questions about filing a chapter 7 bankruptcy, … …
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What is credit card debt relief and what advantages does it provide you which bankruptcy does not? First of all, let’s understand an important point. If. … You do not need to run after them. They will contact you themselves and ask for your time. In this way, you are informed about the progress of your settlement. An important point is that successful legal advisors do not take multiple clients at a time. If they are handling your case, they will not be working for any … …
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has a good idea – Mom’s are … card debt, can i file bankruptcy just for the credit card debt becuase now we can not make these payments and am constantly getting … for filing but his … Credit Slips: Corporate Bankruptcy. A discussion on credit and bankruptcy . … debtor has the ability to pay some, if not all of his … grant credit soon after the bankruptcy filing … the U.S. Trustee, and is heard by the Trustee appointed to your case. It is not . … …
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If you see no positive solution to get out of your debt trap related to credit card spending, you might be overlooking a credit card debt consolidation program. … The companies would offer you a free online debt consolidation quote and then after assessing your case, they talk and negotiate with your creditors to relieve you from taking harassing calls from creditors. These companies hire representatives and managers to negotiate minimum payments, interests, … …
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