Recent content by upontheventura

What is the name of your state?MA In NH SOL is 3 years, in MA it is 6 years. My one remaining delinquent account of 2 (I make payments to lawyer for other) reached the 3 year SOL this month. i am moving to MA i November, does that reset the SOL for another 3 years? I figured it would..

Fradette Doyle & Gallant? They are a major office in new Hampshire, and very reputable. I worked out a payment plan with them on an old Providian account. They sued immediately after the letter with the 30 days to dispute.I considered bankruptcy but just couldn't do it. SO if this is them...

What is the name of your state?NH This company called my cell phone the other day. Say they have a department store card of mine from 8 years ago. She said the last payment was made on Dec 5th 1998, which is an utter lie. This card was charged off in 1997. The balance was 660.00, is now at...

Seems totally fishy. Were you served by someone or was this in the mail? If this was mailed it is just a collection letter. But keep in mind, I received a letter from a lawyer(old Providian account owned by a collection agency) and they gave me 30 days to respond"to ask for verification", I...

What is the name of your state?NewHampshire Hey guys! Palisades Financial is trying to collect on a nearly 3 year old Providian account. I am already paying one lawyer monthly payments for the other Providian account that was charged off(they were about to sue and had attempted service at my...

What is the name of your state?NH Well here is how things ended up~ Cancelled my BK (Im out 600 bucks and will get about that amount back) Called the lawyer who was handling the one(of two) delinquent Providian accounts, now owned by a collection agency. I tried him (and the collection agency...

Ana- The only reason i have to do this is because of two Providian accounts that collection agencie now own(from 3 years ago when i lost my job) The one that is about to sue (8000) wont even return my calls, i have called 5 times in the last 3 days. I WANT to work out a payment plaqn but im...

No kids. Just me. This is going to be a nightmare. I am going to call today and pick up the forms, i want to meet with this guy asap. He obviously knew how NH works.. Im starting to think it would be best to try and settle with this law firm. If i could figure out a way to get the 3000 in my...

What is the name of your state?NH Well, long story short- I pay my 1200.00 for Chap 7. I call asking for the forms because i want to file next Thursday(They "efile") This lawfirm is a partnership. I had my consult with the partner who really doesnt do the Bankruptcies. He never asked me how much...

What is the name of your state?NH So much for doing it myself. $1200! OUCH! Anyway- the lawyer made it sound so simple. Said the trustee would not touch my paychecks or even my security deposit. Said my work and landlord would NOT find out. Seemed a little to easy. Paid half now and will pay the...

Ladyinred. You are awesome. You really let me have it.lol I CANNOT wait to get the NOLO book. I have never wanted to get something over with as much as this. Thanks for your help and patience!

Raffirm car or just keep paying? The staement of intention confuses me- I can claim as exempt, redeem, or reaffirm. I dont want to do either. I just want to continue making payments.Then I thought, Does NH REQUIRE reaffimration? So I read the NH reaffirmation form. And it says: "You are allowed...

OKay.. NH does NOT allow the federal exemptions. I will be using 11USC.&522(b)(2) Found the NH law that allows me to keep my 401K- this law applies to any debts incurred after 1/99- which mine fall under- it is RSA 511:2(XIX) Here is a new question- I have my car that i am making payments on...

What is the name of your state?NH The asset portion if my summary of schedules will include ALL assets- even the ones that are exempt on schedule C, right? On the exemption sheet it asks for which law applies(allows) that specific exemption- How do i find this out? Will it be either 11 USC...

Thats the thing- NH has NO cash exemption! I went to one site that said NH allowed the federal exemptions, but another site says that NH allows the state exemptions only. The federal exemption is much nicer with bank accounts. NH offers NO exemption of bank accounts, at least in the statutes. I...