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Got a call after almost seven years of claiming bankruptcy today! I cannot believe they truly are still available to you trying to scam me personally away from cash! It is frightening though, as I do not desire any criminal fraudulent fees! They do say my summons is in route for writing bad checks that went into bankruptcy. From nearly seven years ago!? we called my bankruptcy attorney straight away and I was told by him it really is a scam! Like we stated just scary to have a call like this! When I chatted with my lawyer I googled some helpful suggestions, many thanks for the advice Malcolm Ruthven! 🙂

Veronica, glad a bit could be helped by me. And best for your bankruptcy that is own attorney once you understand it absolutely was a scam. Are not pay day loan businesses enjoyable!

We apply for chapter 7. it absolutely was discharged in June 2014. Now I am beginning to get phone phone calls from a cash advance that we got on the web. We mention We filed chapter in 2014. They stated they pulled my bankruptcy file and I also would not point out their business upon it. They threaten to sue me personally for check and fraud theft. Additionally, they will deliver summons from sheriff division for garnishment of my wages. Can they are doing this?

Tanya, in the event that you’ll see the article above once again, you will see that what they’re threatening you with is typical of whatever they do. Now concerning 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 Ca, you need to seek the advice of a bankruptcy lawyer in a state about this problem. The point is, you need to be asking your bankruptcy that is own attorney this because he or she understands the important points of the bankruptcy.

Question: We reside in Ca. At the beginning of January i obtained among those installment loans that ended up being authorized because We have a vehicle. One thing in regards to a name kind loan (the automobile just isn’t paid down and the financial institution gets the name) Then in mid January 2015, exact same thirty days, 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 lawyer he stated perhaps maybe maybe not the mention it. Do we nevertheless need to pay this financial obligation though it had not been incorporated into my court documents?

Desiree, one thing does not seem quite appropriate. I can not provide you with legal services about your situation because i am perhaps perhaps perhaps not your lawyer and do not understand the information on your instance. Having said that, when bankruptcy that is filing swear under penalty of perjury that you have detailed your entire assets and all of one’s debts. Therefore you should have detailed that car finance, you state you don’t record it. What the results are 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 a security is had by them interest? There isn’t any real me personallythod for me to understand. Ask your very own bankruptcy attorney about that. In the event that do repo the automobile, can you owe any balance that is outstanding the mortgage? Perhaps not, but once again I can’t offer you advice that is legal this; you will have to pose a question to your very very very own lawyer.

Considering filing chapter 7 bankruptcy. At that time I bought my vehicle – we had been working – I became let go. We am behind during my vehicle payment as a result of all these. Could I register my vehicle from the chapter 7 bankruptcy? Additionally, may I place my pls loan upon it. My child went to university with student loans for her– not able to make payment– I co-signed. The balance is $14,000. Could I additionally file those figuratively speaking

Marie, you have expected numerous concerns that will just take more consideration and room which can be found during these feedback or on any location that is online. Do your self a large benefit and get a session with a seasoned bankruptcy lawyer in your town.

A payday was had by me loan back 2007. We filed a chapter 13. Here its 2015 & there harassing me personally telling me personally we committed fraudulence and here planning to deliver it to county. The man was told by me i filed bankruptcy in those days. Can they still get anything after 8 yrs gone by? Can they do just about anything?

Louise, you did not state in the event that you received your release of debts for the reason that Chapter 13 bankruptcy, of course you listed that cash advance in your routine of debts. Then you shouldn’t owe them anything if the answer to both questions is “yes. Forward them a duplicate of one’s release of debts. Those organizations are recognized to lie about anything that is most to make you spend them.

We owe $9,000 mostly due to payday loans that are installment. I am on social safety and now have over extended myself and cannot make most of the re re payments allow expenses that are alone living. I must retain a bankruptcy lawyer and file Chapter 7? The only earnings We have actually is $1500 social safety and $150 tiny pension check. I understand this can destroy my credit and I also’ll have time that is hard a destination to hire but We have no option. I’m 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 will be rid of these payday advances and other people. I might worry significantly less about your credit score than getting right right back on an improved monetary footing. In terms of leasing destination to call home, a lot of my clients have downsized and rented a smaller sized destination after filing their bankruptcy. Certain areas (usually bigger buildings) turn them straight down, however they’ve constantly discovered a place that is fine live.

You a free consultation if you live in the San Francisco Bay Area, I’d be happy to give. Simply click on “Free Consultation” on the menu club.

Malcolm, how exactly does one begin securing a bankruptcy lawyer if they can hardly manage to feed by themselves? And my situation is exclusive because i have resided using the man that is same 18 years, never ever hitched and now we’re closing it and I also am making with out a dime. We lived nearly all of our relationship in southern Ca area but relocated year that is last another state. He has every thing, i will be from the rent with him regarding the vehicle. Thus I do not also possess a car or truck to keep with when I cannot pay the $350 car payment he will pay regarding the vehicle. I am quite frightened, as all i could do is hire room someplace. I don’t even understand the place to start. He could be obligated to offer me personally no $$, trust me, i have examined no such thing as typical legislation wedding in Ca or even hawaii we are in now.

Christine, we truly see the spot you are in. I truly can not inform you what direction to go. I might truly contact the appropriate help company in your town to see when they might help. They might probably counsel you you are what’s commonly called judgment evidence, nevertheless the more proper term is collection proof. A creditor (like the cash advance businesses) could sue both you and obtain a judgment on it, so filing bankruptcy would not be necessary at this time against you, but probably couldn’t collect anything. Best of luck!

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