Recent content by SinkingFast

What is the name of your state? Missouri I can't seem to find the answer to my question when doing online searches so I'm hoping someone here can help. My son was charged with 2 class B felonies for selling marijuana to an undercover officer. Thankfully (because he has a family to support), he...

Hi, nap68. Sorry, I (obviously) posted my suggestion in a hurry. After taking a second look at Schedule D. it doesn't seem like that would be the place to list judgments against unsecured debt, since it specifically says "secured claims" and instructs the filer to list the property that was...

Thanks for the reply, Ladynred. :) These accounts are such a mess they make my head spin after a while. It's imperative that they are all accounted for so no choice but to press on no matter how much they make my brain hurt. (It might not be so bad if I wasn't dealing with several other issues...

What is the name of your state?What is the name of your state? Missouri I'm trying to help my husband get the paperwork ready so he can file Chapter 7 (filing alone). Because the debts are all from his previous marriage and I'm going strictly on what records his ex gave him (before she...

According to my bankruptcy paperwork it looks like you would list the judgment on Schedule D. (Creditors Holding Secure Claims). This form covers judgment liens, garnishments, statutory liens, mortgages, deeds of trust, and other security interests. Good luck! SF

And the answer to my question is: § 811. Legal actions by debt collectors [15 USC 1692i] (a) Any debt collector who brings any legal action on a debt against any consumer shall -- (1) in the case of an action to enforce an interest in real property securing the consumer's obligation...

What is the name of your state? Missouri Does anyone have info concerning the SOL when the accounts were opened in another state (NC) and were last paid on in that state? I'm not certain if the debtor was still in that state when the accounts were charged off (possibly a split; some yes, some...

Much thanks to all who have replied and for the links supplied. :) Ladynred, thanks for the SOL info. If we are nearing the SOL on these debts (most are 4-5 years old) then it might be possible to do an OIC on the tax debt and avoid filing bankruptcy. I need help here though. I need to know the...

No lawyer here (sorry). Just wanted to add something that occurred to me as I was reading the posts. If you are able to convince your c.h. "friend" that he would end up the loser should he pursue trying to collect on the IOU, I (personally) wouldn't settle for him tearing up the IOU...I'd have...

Hi, Spoiler. Thank you for taking time to respond to my post. I have a really hard time trying to post the important info while keeping the length of the post manageable. For reasons of embarrassment I opted to use the space to add a little personal background (i.e. "my husband's not really a...

What is the name of your state? Missouri After typing in a lengthy explanation for why my husband is facing bankruptcy I opted to delete it all and just put forth the basics. The problems arose when he was led to believe that his (at that time) wife was paying the credit card bills from his...

bankruptcy site Hi, Ladynred. Just wanted to point out that your link to the bankruptcy site wouldn't work until I noticed you had the "p" and "t" turned around. Having a dyslexic moment? :D Thought I'd mention it for those who follow. Thanks for your time and suggestions on here. SF

My Resolution abezon: thank you for your suggestions. I've been running non-stop and hadn't had a chance to thank you till now. I just wanted to post that I did find a good tax lawyer and he was able to get the levy lifted, which included having the wages that were taken last Friday returned...

I don't know that she isn't in possession of them. What I do know is that we've been at this address for 2 1/2 years and the 2 notices (Nov, 03, and May, 04) as well as the letters showing our yearly refunds being applied to the debt all made it here without any problem. Those refunds were all...

In regards to the statement that "All those 10 day letters" (meaning all 2) were "notice", what about the IRS tax regulation concerning due process in IRS collections (Section 3401)? The following statements came from their web site: "We will also be required to notify the taxpayer in writing...