Recent content by Shrike1070

What is the name of your state? Colorado Can I included my US Dept of Education federal student loan on Schedule J (Current Monthly Expenditures) under installment payments? I know that the loan is not secured; however, just like back taxes - which aren't secured - federal student loans are...

What is the name of your state?What is the name of your state? CO Hello, I will be filing BK Ch7 on July 13th. I pulled my credit reports in anticipation of filling out the schedule of creditors and found to my surprise that my mother is listed as co-responsible on an old line of credit I had...

What is the name of your state?What is the name of your state? CO Can anyone explain what the timeline is for a judgement process and what happens all the way along the line towards garnishment, liens, levies, etc? I know that it starts with a creditor filing suit in the court most local to...

What is the name of your state? CO I am preparing to file BK with the help of an attorney, but I wanted to find out if anyone here has had a similar experience to mine, and whether or not they encountered any trouble in their case. Here's the story: basically about two months ago, my bank...

I don't have a home so I don't think that provision will harm my case once I do file. And I certainly haven't hid any money anywhere. The only thing that could delay or get me into trouble is that I have made a lot of payments to creditors in the last 90 days which might cause me to wait. And...

What is the name of your state? CO Not that it was a big surprise or anything, but the bankruptcy reform act passed this afternoon. When will it be sent over to Bush to sign? How long will it take for the different parts to go into effect? How will it affect someone like me who is still in the...

Please Read This Thread...All of it! https://forum.freeadvice.com/showthread.php?t=237810 :(

If you can't pay because you're unemployed, then you can't pay. They can't get blood from a turnip. They can't take away unemployment benefits or social security either, if that is all you are living on. However, just as soon as you get a full time job, they will come a looking with that...

Good Point :D

Do you have a fax machine or access to one today? You need to call this rep back NOW and get her to send you a letter on their company stationary saying that the original $1050 you agreed upon will be payment in full. Otherwise, they are going to keep nickel and diming you like it sounds like...

Yup, you got "victimized" by a collector just like me. NEVER, and I repeat NEVER, give payment information (post dated check, bank account info, debit card number) to a collections agency without FIRST having them send something to you in writing outlining the details of the agreement you made...

Debtor's Prison There is no longer such a thing in the US as a debtor's prison. They were done away with in the early 20th century - over 100 years ago. However, did you bounce a check to the creditor in question? If so, this can be considered a felony and you can be arrested for this. Or...

Holier than Thou Just a heads up for you all that there ARE shills and other representatives of collections agencies and collection lawyers who do frequent and post on this board. Most of the time you can spot 'em from a mile away. Most are able to articulate important points (from their side...

Good advice Thanks Debt Guy. That is actually the kind of informative knowledge I also needed to learn in order to proceed with my situation. Your points are well taken and I didn't sense any condescension in your reply to BK4. Everything was based on the points of fact in the law. If he/she...

What is the name of your state?What is the name of your state? Colorado I am preparing to fire off a cease and desist letter to a collection agency tomorrow - Certified Mail, Return Receipt Requested. I have read on various forums contradicting advice on whether or not to personally sign the...