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    1. F

      Now What? Receive Summons .....

      What is the name of your state? New Mexico I have acquired alot of information through this website , specifically regarding a credit card which has gone unpaid since I got divorced and lost my job 5 years ago. The SOL for my state is 4 years so I sent the creditor and all the subsequent...
    2. F

      Which Spouse Gets SS Benefits?

      What is the name of your state? NM It is my understanding that a spouse is not entitled to SS Benefits unless they have been married for 10 years. If this is so, what happens in the case of multiple marriages? For example, my current husband and I have been married for 7 years. He and and...
    3. F

      Define Annulment

      What is the name of your state? NM I always thought that annulment was related to religion, basically, a way for one's church to condone the breakup of a marriage without actually doing so. What is the difference between annulment and divorce? What is the annulment procedure? Can anyone get...
    4. F

      New Husband Doesn't Want Old Debt

      What is the name of your state? nm My nephew recently got married. After doing so, his new wife told him that her ex-husband had stopped making payments on a mobile home they had owned together and somehow convinced him to pick up the payments so her credit would not be ruined. The home is...
    5. F

      Lien Against Buyer Staying With Property

      What is the name of your state? NM I recently sold some property on a real estate contract and found out that my buyer has liens filed against her. Someone has now advised me that if she were to default on this contract, although I would get my property back, her liens would stay against it...
    6. F

      Original Creditor Has Picked Up Account Again

      What is the name of your state? NM I lost my job in December, 2000 and was able to pay off all except one of my credit cards with my retirement fund that I cashed out at that time. Anyway, I have since learned about the SOL and other useful information from this website. This particular...
    7. F

      Unrecorded Judgment

      What is the name of your state? New Mexico About 8 years ago, my husband (to whom I was not married at the time) had a large judgment granted against him. Due to a failure on his part to maintain written records of all business transactions, his business partner was able to sue him and win the...
    8. F

      sole and separate property

      What is the name of your state? NM In the last few years, I have bought several properties in my name only and my husband has signed a sole and separate agreement. Because he has a judgment against him, I was advised that this sole and separate agreement would enable me to purchase and resell...
    9. F

      Property Seizure with Existing Mortgage?

      What is the name of your state? New Mexico About a year ago, I sold some property on a real estate contract. The buyer makes his payments through the escrow company and they are disbursed to the bank which still holds my mortgage. Just recently, the buyer was arrested on very serious drug...
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      Keeping Home if Mortgage in Husband's Name

      What is the name of your state? New Mexico The house where my husband and I live is mortgaged under his name only. Initially, he purchased it before we were married and then, just recently, he refinanced it. We thought it better to refinance under his name since the original mortgage was his...
    11. F

      Best Form of Will

      What is the name of your state? New Mexico My husband and I have decided to do our own will, at least for the timebeing, and I have found several sites online where various forms can be downloaded. My husband and I both have children from a previous marriage, all of whom are adults. While...
    12. F

      Father Not Named on Birth Certificate

      What is the name of your state? New Mexico My stepson recently requested a copy of his daughter's birth certificate so that she could get her driver's license. He and the mother are divorced. He just received a letter from the Bureau of Vital Records stating that they could not provide him...
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      Just Curious Re: Community Property Debt?

      What is the name of your state? nm I just wanted some clarification on CC debt in a community property state. A little over six years ago, I received a phone call at work from AmEx. They were trying to collect past due charges on my husband's AmEx card. I told the "rude" man that my husband...
    14. F

      Bank Account Freezes

      What is the name of your state? NM I have been reading alot of threads regarding bank account freezing after a CC company has obtained a judgment. Am I missing something? Once a person receives a summons, why would they leave funds in the bank that could conceivably be frozen once they either...
    15. F

      Need Clarification on Foreclosure

      What is the name of your state? NM I purchased a small house in 1997 as an investment and sold it on a real estate contract. In 2000, I was laid off from my job and, in 2004, the purchasers defaulted on the contract, leaving me to pay the underlying mortgage. I made a couple of payments but...
    16. F

      Need Specific Info For Cease And Desist Letter

      What is the name of your state? NM It is my understanding that the SOL for CC debt in NM is 4 years. If this is so, I want to send a cease and desist letter to a collection agency who has bought my account from Providian Bank and are starting to call me again. I know it has been over 4 years...
    17. F

      debt collection after foreclosure

      What is the name of your state? nm I lost my home through foreclosure in March of 2004. I do not know whether the Mortgage Company bought it back or someone else. In any case, I just recently received a letter from a collection agency on behalf of the mortgage company trying to collect $...
    18. F

      Obligation To Spouse's Debt

      What is the name of your state? NEW MEXICO MY SISTER IN LAW RECENTLY DISCOVERED THAT HER HUSBAND HAD VIRTUALLY LIQUIDATED THEIR SAVINGS AND BUSINESS BANK ACCOUNT IN ORDER TO SUPPORT A SERIOUS GAMBLING HABIT (WHICH SHE DID NOT REALIZE WAS SO SERIOUS) SHE HAS ALSO STARTED RECEIVING CALLS FROM...
    19. F

      How To Structure Will To Protect Stepchildren

      What is the name of your state? NM My husband and I both have adult children from a previous marriage. We presently own a business jointly and several rental income properties and contracts. I own some property acquired before our marriage as does he. We have come to an agreement that his...
    20. F

      Buyer Wants Money Back

      What is the name of your state? nm I recently bought a small fixer upper house which I immediately sold on a real estate contract. The buyer inspected the house and understood its condition. He gave me $ 5,000.00 down and has paid four payments of $ 500.00 per month so far, on this contract...

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