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      Dog Bite

      What is the name of your state? Arizona I was camping in a national forest in central Arizona last July with two other families from my four-wheel drive club. One of the families was new to the club and elected to set up camp approximately 50 yards from the rest of us. They did so because...
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      Early Termination Fee of AT&T Wireless Contract

      What is the name of your state? Arizona For years I maintained a wireless account with AT&T. When my wife became ill I added a second line to my service in case she needed to contact me when I was away from home. The second line came with a three year contract extension. Complications...
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      Home Equity Loan after Bankruptcy????

      What is the name of your state? Arizona In March my Chapter 7 BK was discharged contingent upon payment of several thousand dollars over a 12 month period. Since then my wife died and I have medical expenses to pay. My income would normally take care of these, but with the monthly payment to...
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      Mortgage After Bankruptcy?????

      What is the name of your state? Arizona I filed for Bankruptcy several months ago and recently came to a compromise with the trustee to repay a certain amount over a 12 month period beginning March 10, 2004. After this arrangement was approved, I sold my house and would like to buy another...
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      Wife Died Without a Will. What Do I Do?

      What is the name of your state? Florida/Arizona My wife and I lived in Florida and were in the process of moving to Arizona. We had a contract to lease a house with the option to purchase within 45 days. We are fairly young, had been only married a couple of years and never made wills. We...
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      Trustee Sale - Help Please

      What is the name of your state? Arizona Several months ago I made an offer to buy a house. The purchase was contingent upon the sale of my current home by the middle of November. I was unable to sell my home, but stayed in touch with the owner and the real estate agent. I kept $1,000 in...
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      How To Contact a Lender?

      What is the name of your state? Arizona I am trying to buy a house in Arizona. I would be able to close in less than two weeks. The seller has not made any payments since July and has told me he received a notice of legal action from a lawyer. Apparently the finance company will foreclose...
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      Trustee Wants Unclaimed Assets

      What is the name of your state? Florida I filed for a Chapter 7 and my meeting with the trustee was in November. The Chapter 7 was for me solely for debts incurred prior to my marriage. During the meeting the trustee asked how I got to the meeting. I told her I drove my wife’s vehicle. The...
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      What Happens After 341 Meeting?

      What is the name of your state? Florida I just had my 341 Meeting for my Chapter 7, no asset bankruptcy. The Trustee was very thorough and wanted copies of my bank statements for the last year and the purchase agreement for my wife’s car. She is not included in the BK. No creditors were...
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      Taking on Firestone

      What is the name of your state? Florida I recently had a Firestone tire blow out and damage my truck. Tire and truck damage is about $2300. I followed all the steps required by Firestone to file a claim, but the claim was denied. Firestone inspected the tire and determined it had been under...
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      Closing Date Conflict

      What is the name of your state? Arizona I have a contract to purchase a house in Arizona. I am trying to sell my house in another state, but the market seems to have suddenly slowed. I am worried about the sale of my house in time to meet the closing date on the house I am buying. With...
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      Selecting a Good Bankruptcy Lawyer

      What is the name of your state? FL There are pages of bankruptcy lawyers listed in the Yellow Pages. I am sure many of the lesser qualified ones have their sales pitch down pat, so a one-on-one meeting may not be a sure way of determining how effective they might be. What is the best way to...
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      Exempt Income

      What is the name of your state? Florida I understand Social Security disability, VA disability, and military retirement are exempt from forefiture in a Chapter 7 BK. If my only income is from these sources, will I need to prepare a list of living expenses?
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      Help Please? - Questions About Disability Income and Payments

      What is the name of your state? Florida I am about to file Chapter 7. All my savings and assets were exhausted during a long illness. My debts were incurred prior to my marriage to my wife. Our home and vehicle are in her name. The lot next to our home is in both of our names as is the loan...
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      Disability Income vs. Disposable Income

      What is the name of your state? Florida. I am considering filing Chapter 7. I am disabled and my sources of income are from Social Security, the Veterans Administration Disability and Army Retirement. I am told these are exempt in Florida. Will I still need to list my monthly expenses?
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      Insulting Collection Calls

      What is the name of your state? Florida I am receiving calls from a collection agency. The represenative has become very insulting and has resorted to name calling. As expected, he promisses to continue this every day. Is there any way to prevent this type of call?
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      Can My Wife Be Held Responsible?

      What is the name of your state? Florida I am considering filing bankruptcy. All my debt was incurred prior to my marriage and my wife’s name is on none of the accounts. She owns the house where we live. Can she be held responsible for any of my debt? One bank is including her new, married...
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      Token Payment Plans - Are they Good?

      What is the name of your state? Florida Medical expenses and disability have me considering bankruptcy. I haven’t been able to make any payments on several credit card accounts since December. I have been contacted by two of the companies about making token payments of $10 per month for...
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      Corp or LLC: Which Will Cover My Butt Best

      I am offering a service driving the vehicles of Florida’s elderly winter visitors back north. I want to protect my personal assets as much as possible. I will probably be the only employee. Should I make this very small (under $5K a year) company a corporation or LLC?
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      Can I Make This Work?

      Medical expenses are making me consider different ways to earn some money. I have not been able to work at conventional jobs due to a disability, but I can still drive. I have a lot of driving experience and hope to take advantage of it. I live in southwest Florida and am thinking about...

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