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Got a call today after nearly seven several years of claiming bankruptcy! I cannot think they’re still on the market trying to scam me personally away from cash! It really is frightening however, as I do not desire any criminal fraudulent costs! They do say my summons is in route for writing checks that are bad went into bankruptcy. From nearly seven years ago!? we called my bankruptcy attorney straight away and he explained it is a scam! Like we said simply scary to obtain a call like this! For your advice Malcolm Ruthven! : after I talked with my attorney I googled some helpful tips, thank you)

Veronica, glad i really could assist a bit. And advantageous to your bankruptcy that is own attorney once you understand it absolutely was a fraud. Are not pay day loan organizations enjoyable!

We apply for chapter 7. it had been released in 2014 june. I am just just starting to get phone phone calls from a loan that is payday I got on line. 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 fraudulence and look theft. Also, 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 will need to talk with 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.

Concern: We reside in Ca. At the beginning of January i obtained some of those loans that are installment had been authorized because We have a car or truck. Something about a name kind loan (the automobile isn’t paid down and the financial institution gets the name) Then in mid January 2015, exact same thirty days, I experienced to register bankruptcy must be creditor ended up being sueing me and my checks had been likely to be garnished. Now my bankruptcy had been released in might 2015 however when we pointed out this loan to my lawyer he stated maybe perhaps not the mention it. Do we nevertheless need to spend this debt although it had not been contained in my court documents?

Desiree, one thing does not seem quite appropriate. I cannot offer advice that is legal your instance because i am maybe maybe maybe 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 have detailed your assets and all sorts of of your debts. Therefore you should have detailed that car loan, however you state you don’t record it. What are the results now? Whether you listed it or perhaps not, in the event that loan provider features a protection curiosity about your vehicle, they could repo the automobile if you do not result in the repayments. Do a security is had by them interest? There is no real me personallythod for me to know. Pose a question to your bankruptcy that is own attorney that. In the event that do repo the vehicle, can you owe any outstanding stability on the mortgage? Perhaps not, but once again i cannot present legal counsel about this; you’ll want to ask your very very very own lawyer.

Considering filing chapter 7 bankruptcy. In the duration I purchased my vehicle – we had been working – I became let go. We am behind within my car repayment as a result of all these. May I register my automobile in the chapter 7 bankruptcy? Additionally, could I place my pls loan about it. My child went to university with student education loans for her– not able to make payment– I co-signed. The total amount is $14,000. May I additionally file those figuratively speaking

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

I’d a payday loan back 2007. We filed a chapter 13. Here it really is 2015 & there harassing me personally telling me we committed fraud and here likely to deliver it to county. The man was told by me i filed bankruptcy in the past. Can they nevertheless get anything after 8 yrs gone by? Can they do just about anything?

Louise, you don’t 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 the release of debts. Those organizations are recognized to lie about many such a thing to make you spend them.

I owe $9,000 mostly due to payday installment loans. I am on social safety and now have over extended myself and cannot make all of the payments let alone bills. I must retain a bankruptcy lawyer and file Chapter 7? The actual only real earnings We have actually is $1500 social protection and $150 tiny retirement check. I understand this can destroy my credit and I also’ll have a time that is hard a destination to lease but We have no option. I am solitary, no dependents but do not have assets and I also’m 65. Please advise and many thanks.

Christine,, from that which you stated, you are well set doing a Chapter 7 bankruptcy which may be rid of those loans that are payday other people. I might worry significantly less regarding your credit score than getting right right back on a much better economic footing. In terms of leasing spot to reside, nearly all my clients have downsized and rented a smaller sized spot after filing their bankruptcy. Some places (usually bigger buildings) turn them straight straight straight down, nonetheless they’ve constantly found 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” regarding the menu club.

Malcolm, how exactly does one start securing a bankruptcy attorney once they can scarcely manage to feed by themselves? And my situation is exclusive because i have resided with all the exact same guy for 18 years, never ever hitched so we’re closing it and I also am making without having a dime. We lived the majority of our relationship in southern Ca area but relocated a year ago to another state. He has everything, i will be in the rent with him in the automobile. As I cannot afford the $350 car payment he pays on the car so I don’t even own a car to leave with. I am quite frightened, as all i could do is hire space someplace. I do not even understand the place to start. He could be obligated to provide me personally no $$, trust me, i have checked no thing that is such typical legislation wedding in Ca or their state we are in now.

Christine, we definitely start to see the spot you are in. I really can not let you know what you should do. I might undoubtedly contact the appropriate help company in your town to see should they will help. They might probably help you you are what’s commonly called judgment evidence, nevertheless the more proper term is collection proof. A creditor (like the pay day loan businesses) could sue 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. All the best!