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Got a call after almost seven years of claiming bankruptcy today! I cannot believe they’re still available to you trying to scam me personally away from cash! It really is frightening however, as I do not desire any fraudulent that is criminal! They state my summons is on the road for composing bad checks that went into bankruptcy. From very nearly seven years ago!? We called my bankruptcy attorney immediately and I was told by him it really is a scam! Like we stated simply frightening getting a call that way! Once I chatted with my lawyer we googled some helpful suggestions, many thanks for the advice Malcolm Ruthven! 🙂

Veronica, glad i really could help a bit. And beneficial to your bankruptcy that is own attorney once you understand it was a fraud. Are not cash advance organizations enjoyable!

We apply for chapter 7. it absolutely was released in June 2014. I am just needs to get telephone calls from a loan that is payday we got on the web. We mention We filed chapter in 2014. They stated they pulled my bankruptcy file and I also failed to point out their business about it. They threaten to sue me personally for check and fraud theft. Additionally, they shall deliver summons from sheriff division for garnishment of my wages. Can they are doing this?

Tanya, in the event that you’ll browse the article above once more, you will see that what they’re threatening you with is typical of whatever they do. Now in regards to the reality (if real) as a creditor in your Chapter 7 filing, in California that debt is eliminated anyway (assuming that the rest of your creditors got nothing from your bankruptcy) that you didn’t list them. If you do not are now living in California, you need to talk with a bankruptcy lawyer in a state about this problem. in just about any occasion, you ought to be asking your own bankruptcy lawyer about this because he or she understands the main points of the bankruptcy.

Concern: We are now living in Ca. At the beginning of January i obtained among those loans that are installment had been authorized because i’ve a motor vehicle. Something about a name kind loan (the automobile isn’t reduced and the lender gets the title) Then in mid January 2015, exact exact same month, I’d to register bankruptcy must be creditor ended up being sueing me personally and my checks had been likely to be garnished. Now my bankruptcy had been released in might 2015 but once this loan was mentioned by me to my attorney he stated perhaps not the mention it. Do we still need to spend this financial obligation although it was not incorporated into my court documents?

Desiree, one thing does not appear quite appropriate. I cannot give you legal counsel about your situation because I’m maybe maybe perhaps not your lawyer and do not understand the information on your situation. Having said that, when bankruptcy that is filing swear under penalty of perjury that you’ve detailed all your assets and all sorts of of the debts. So that you should have detailed that car loan, however you state you don’t record it. What goes on now? If you don’t make the payments whether you listed it or not, if the lender has a security interest in your car, they can repo the car. Do they usually have a protection interest? There isn’t any me personallythod for us to understand. Pose a question to your own bankruptcy lawyer about that. In the event that do repo the vehicle, could you owe any outstanding balance on the mortgage? Perhaps not, but once more i cannot supply advice that is legal this; you will have to pose a question to your very very own lawyer.

Considering filing chapter 7 bankruptcy. wen the period I bought my vehicle – I had been working – I happened to be let go. We am payday loans New Mexico behind within my car repayment because of the aforementioned. Could I register my vehicle regarding the chapter 7 bankruptcy? Additionally, could I place my pls loan upon it. My child went to university with student education loans – we co-signed for her – not able to help make payment. The total amount is $14,000. May I also file those student education loans

Marie, you have expected numerous concerns that could simply just take more consideration and room that’s available within these responses or on any location that is online. Do your self a favor that is big get a session with a seasoned bankruptcy lawyer in your town.

I’d a payday loan back 2007. We filed a chapter 13. Right Here it really is 2015 & there harassing me personally telling me personally we committed fraudulence and there planning to deliver it to county. I told the person I filed bankruptcy in the past. Can they nevertheless get anything after 8 yrs gone by? Can they do anything?

Louise, you did not state in the event that you listed that payday loan in your schedule of debts if you received your discharge of debts in that Chapter 13 bankruptcy, and. Then you shouldn’t owe them anything if the answer to both questions is “yes. Forward them a duplicate of one’s discharge of debts. Those organizations are known to lie about many such a thing to cause you to pay them.

We owe $9,000 mostly due to payday loans that are installment. I’m on social security and have over extended myself and cannot make all of the re re payments allow expenses that are alone living. I must retain a bankruptcy lawyer and file Chapter 7? The actual only real earnings We have actually is $1500 social safety and $150 tiny retirement check. I understand this may destroy my credit and I also’ll have time that is hard a destination to hire but I have no choice. I am solitary, no dependents but haven’t any assets and I also’m 65. Please advise and many thanks.

Christine,, from everything you stated, maybe you are well set to complete a Chapter 7 bankruptcy which may be rid of these loans that are payday other people. I might worry less about your credit history than getting right straight back on a much better footing that is financial. In terms of leasing destination to reside, several of my clients have downsized and rented a smaller sized destination after filing their bankruptcy. Certain areas (usually bigger buildings) turn them straight straight straight down, nevertheless they’ve constantly discovered a place that is fine live.

If you’re when you look at the san francisco bay area Bay Area, I would be pleased to provide you with a free of charge assessment. Simply click on “Free Consultation” from the menu club.

Malcolm, how can one begin securing a bankruptcy lawyer if they can scarcely manage to feed on their own? And my situation is exclusive because i have resided using the exact same guy for 18 years, never ever hitched so we’re closing it and I also have always been leaving with out a dime. We lived the majority of our relationship in southern Ca area but relocated this past year to another state. He has every thing, i will be from the rent with him in the vehicle. And so I do not also obtain an automobile to keep with as I cannot spend the money for $350 car repayment he will pay regarding the vehicle. I am quite frightened, as all I am able to do is lease space someplace. I do not even comprehend the place to start. He could be obligated to provide me personally no $$, trust me, i have examined no such thing as typical law wedding in California or perhaps their state we are in now.

Christine, we truly start to see the spot you are in. I truly can not inform you how to proceed. I might truly contact the aid that is legal in your town to see when they will help. They might probably help you you are what’s commonly called judgment evidence, however the more proper term is collection proof. A creditor (like the cash advance businesses) could sue both you and get a judgment on it, so filing bankruptcy would not be necessary at this time against you, but probably couldn’t collect anything. Good luck!