Recent content by legal_wonderer

What is the name of your state? TN Was hired to do computer support for a small company. When negotiating pay, employer said I'd be a regular employee rather than a contractor so I agreed to much lower hourly pay. I was paid every 2 weeks with the employees but was always cut a business check...

TN I found this online Does anyone know of laws in TN regarding this? Or customary practice? The debt is 21000 + fees/interest. The mid 90's car is valued at 2800-3300 and needs work. Thank you!

What is the name of your state? Tennessee Well...I''m surprised! The other day, NES kept calling over and over again even when I answered the phone and talked to them. Typically they call once a day, and sometimes 2 or 3 times in one day. This particular day they called 10 times and the day...

What is the name of your state? TN I'm wondering how much action I should take regarding collection agencies lies. For instance, twice now, I've had the caller state "what about your husband?" "where does he work?" etc. I state that it doesn't matter because I am solely responsible for the...

What is the name of your state? TN The 6 month "write off" time period is fast approaching. I'm just wondering from people who've been sued for non-payment, how quickly did you get sued? The "pre-legal" department (really a CA) for one of my credit cards was very aggressive with me on the...

I also wanted to recommend the NOLO book. The information is extensive and it even tells how to go to law libraries and to research similar cases. If you don't have real estate, you don't have assets, you aren't out to lie, you can be complete and spend time on your case, and are worried more...

I suspect that all employees received updated information about COBRA. I wouldn't think this is suspicious. You've probably received updates in the past and thought nothing of them. Good luck. lw

What is the name of your state? Tennessee According to the NOLO book, to avoid having to pay income tax on a debt write-off, one needs to be insolvent prior to the credit card companies doing the write-off. I am definitely insolvent. My debt is rather high, and I have no income and no...

You are wrong. All assets that are not specifically exempted by Federal and State Law are fair game. lw

Book: How To File For Chapter 7 Bankruptcy NOLO has a book called How To File For Chapter 7 Bankruptcy by Stephen Elias that includes detailed information on how to fill out the forms and how to file without a lawyer. I was able to obtain this book from the library on interlibrary loan. Get...

True, You can prepare your taxes online for free - there are several sites available. Modifications can be made to your tax refund for several years if you make any errors. I'm not sure what statute states you cannot file for bankruptcy if you haven't yet filed your taxes? Anyway, if this...

As ladynred pointed out, your assets are most likely exempt but they also most likely have low resale value. Most bankruptcy cases are "no asset" as in no non-exempt real estate, recent model cars/boats/etc. Good luck. I'd love to keep in touch as we go through this experience. Is Citibank...

My situation is different but I'm getting some free legal assistance. The first news I heard is that because I have no assets and nearly no income, there is nothing for the debtors to attach to. Because of this, it is suggested that I do not need to file bankruptcy. I will share more as I get...

Thank you. lw

Just bumping this up again in case someone has input. Thanks!