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Got a call after almost seven years of claiming bankruptcy today! I cannot think they truly are still available to you trying to scam me personally away from cash! It really is frightening however, as I do not wish any criminal fraudulent fees! They do say my summons is in route for writing bad checks that went into bankruptcy. From very nearly seven years ago!? we called my bankruptcy attorney immediately and he explained it is a scam! Like I stated simply frightening to have a call like this! once i chatted with my attorney I googled some tips, many thanks for the advice Malcolm Ruthven! :)

Veronica, glad a bit could be helped by me. And best for your very own bankruptcy lawyer for once you understand it had been a scam. Are not pay day loan businesses enjoyable!

We apply for chapter 7. it had been released in June 2014. Now I am beginning to get phone telephone calls from a loan that is payday we got on the web. We mention We filed chapter in 2014. They said they pulled my bankruptcy file and I also failed to point out their business onto it. They threaten to sue me personally for fraudulence and check 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 browse the article above once again, you will see that what they’re threatening you with is typical of whatever they do. Now in regards to the reality (if real) you didn’t record them as being a creditor in your Chapter 7 filing, in Ca that financial obligation is eliminated anyhow (let’s assume that your whole creditors got nothing from your own bankruptcy). If you do not are now living in Ca, you will need to seek advice from a bankruptcy lawyer in a state about this problem. The point is, you ought to be asking your bankruptcy that is own attorney this because he or she understands the important points of one’s bankruptcy.

Concern: We are now living in Ca. During the early January i obtained some of those installment loans that ended up being authorized because i’ve a car or truck. One thing in regards to a name kind loan (the automobile is certainly not paid down and the financial institution gets the name) Then in mid January 2015, exact exact exact same thirty days, I’d to register bankruptcy must be creditor had been sueing me personally and my checks had been going to be garnished. Now my bankruptcy had been discharged in might 2015 but once this loan was mentioned by me to my lawyer he stated perhaps maybe not the mention it. Do we nevertheless need to spend this financial obligation although it had not been a part of my court paperwork?

Desiree, one thing does not appear quite appropriate. I cannot provide you with legal counsel about your situation because i am not your lawyer plus don’t understand the information on your instance. Having said that, when filing bankruptcy you swear under penalty of perjury that you have detailed your entire assets and all sorts of of the debts. Which means 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 they will have a protection interest? There is no means for us to understand. Pose a question to your own bankruptcy lawyer about that. In the event that do repo the automobile, could you owe any balance that is outstanding the mortgage? Perhaps not, but once again i cannot provide you with legal services about this; you will have to pose a question to your very very own lawyer.

Considering filing chapter 7 bankruptcy. In the period I bought my vehicle – we had been working – I happened to be let go. We am behind in my own vehicle payment as a result of the aforementioned. May I register my vehicle regarding the chapter 7 bankruptcy? Additionally, could I place my pls loan onto it. My child attended university with student education loans for her– not able to make payment– I co-signed. The balance is $14,000. May I additionally file those student education loans

Marie, you have expected numerous concerns that could just simply simply take more consideration and room which can be found within these responses or on any location that is online. Do your self a favor that is big get an appointment with a professional bankruptcy lawyer in your town.

I had a payday loan back 2007. We filed a chapter 13. Right Here it’s 2015 & there harassing me personally telling me personally I committed fraudulence and here likely to deliver it to county. I told the person We 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 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 recognized to lie about anything that is most to cause you to spend them.

I owe $9,000 mostly due to payday installment loans. I am on social safety and also have over extended myself and cannot make most of the 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 pension check that is small. I am aware this may destroy my credit and I also’ll have time that is hard a destination to hire but i’ve no option. I am solitary, no dependents but do not have assets and I also’m 65. Please advise and thank you.

Christine,, from that which you stated, you might be well set to complete a Chapter 7 bankruptcy which may dispose of these pay day loans and other people. I would personally worry never as about your credit history than getting right straight straight back on a far better footing that is financial. In terms of renting an accepted destination to reside, lots of my clients have downsized and rented a smaller sized destination after filing their bankruptcy. Certain areas (usually larger buildings) turn them straight straight down, however they’ve constantly discovered a superb spot to live.

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

Malcolm, how exactly does one begin securing a bankruptcy lawyer if they can scarcely manage to feed by themselves? And my situation is exclusive because i have resided because of the exact same guy for 18 years, never ever hitched therefore we’re closing it and I also have always been making with no dime. We lived the majority of our relationship in southern Ca area but relocated year that is last another state. He has every thing, i’m regarding the rent with him in the car. Thus I do not even have a vehicle to go out of with when I cannot spend the money for $350 vehicle payment he will pay from the automobile. I am quite frightened, as all I am able to do is lease an available space someplace. I do not even understand how to start. He could be obligated to provide me personally no $$, trust in me, i have examined no such thing as typical legislation wedding in Ca or even the state we are in now.

Christine, we definitely begin to see the spot you’re in. I must say I can not inform you what direction to go. I might definitely contact the legal help company in your town to see when they will help. They might probably counsel 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 you and get yourself a judgment against you, but most likely could not gather such a thing about it, so filing bankruptcy wouldn’t be necessary at the moment. All the best!