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    1. C

      What Is My Next Step?

      What is the name of your state? OH My husband filed for divorce 11 months ago in NY using the services of Legal Aid. I received a copy of the summons stamped with the county seal and the date it was filed. I also received another paper which I signed and returned per Legal Aids request...
    2. C

      Missing form?

      What is the name of your state? OH My husband resides in NY where we lived together for most of our marriage. I received 2 papers from my husband today through the regular mail. One is a "Statement of Service by Mail" and the other is "Action for a Divorce" Apparently I am supposed to appear or...
    3. C

      Owning property post ch 7

      What is the name of your state? OH Not like this is going to happen anytime soon but....... how long after a ch 7 discharge can you own property?
    4. C

      Trustee Questions

      I recently attended my 341 hearing and it was very much as it was explained to you. One question surprised me...and my attorney. I filed a no asset ch 7. The trustee asked me how I would pay for lunch that day. I was surprised for a few moments but as I was being completely honest, I just told...
    5. C

      Gumming Grits....

      What is the name of your state? OH A few years ago I had 2 permanent bridges put in by my dentist. He recommended a new product which claimed to be stronger, less prone to discoloration etc than the tried and true porcelain over metal. I have had trouble with these bridges since day one. Before...
    6. C

      Complaint filed...

      What is the name of your state? OH About a month ago Citibank filed a complaint against me. The summons was issued the same day. Apparently it was sent CMRRR. I never signed for it. I received a letter from a local lawfirm informing me that I am the subject of a collection action (it included...
    7. C

      Pay phone charges

      They wouldn't specify which system they were using. The amount is $30 for a 2 minute call! Imagine if they did this to several thousand people.
    8. C

      Pay phone charges

      What is the name of your state? OH We were sent a bill from a pay phone company for a collect call we allegedly accepted from a NYC airport pay phone. We called and said that this wasn't our bill and we wouldn't pay it. They naturally said that it was and we asked them to prove it. Their reply...
    9. C

      I was not told surgery would not be covered under plan.

      Good point Dakoto70. It is unusual for a doctor/hospital to not obtain preauthorization prior to performing a procedure. However, people screw up. And the bottom line is we are responsible to know what our insurance covers.
    10. C

      I was not told surgery would not be covered under plan.

      It is your responsibility to find out if any procedure is covered by your insurance carrier. Neither the hospital or the doctor is under any obligation to obtain and give you this information. Whenever you speak to anyone by phone make sure to get it in writing. Otherwise it's your word against...
    11. C

      Expenses and ch 7

      You are jumping to unfair conclusions here. No one is paying my bills. I live with someone in their home and while I was employed I paid my share of the expenses. During my period of unemployment I wasn't paying my share. I wouldn't hide anything from either the IRS or the bankruptcy court. I am...
    12. C

      Expenses and ch 7

      I wouldn't even consider trying to hide anything or lie. It is never worth it. Thanks for the info planner.
    13. C

      Expenses and ch 7

      What if someone had no income for months. That should explain the reason for the contributions. What if a person were living with someone and had paid their share of the expenses when they had income but stopped when they no longer had any income? Thanks for your reply planner.
    14. C

      Expenses and ch 7

      What is the name of your state? OH How do you list your expenses if someone else has been assisting you in paying them when you are filing a ch 7? What if they were paying all of them? How would it affect the out come? I was curious and haven't seen this addressed here.
    15. C

      defamation?

      They really need to clean up this website. Too many "experts" with an ax to grind.
    16. C

      Daycare arraers

      This isn't the place to be judge and jury to anyone. Anyone who can offer good advice should. Anyone who is nasty, sarcastic, and judgemental should keep their opinions to themselves! No one has to come here and defend themselves.
    17. C

      Help my ex NOT have to pay MY debt

      I am by no means an expert....just a fellow student:) I believe the reason the dentist is holding your ex responsible is because your children were covered by his insurance. Whether there was a court order or not stating that you would pay whatever your ex's insurance didn't cover makes no...
    18. C

      How CCCS affects your CR

      I didn't mean "sell" as in exchange of services for a fee. I meant that they neglect to tell you or if you ask ask give you incorrect info in order to "sell" you on their "product". As always......Buyer beware! Thanks for your response Billcollector.
    19. C

      How CCCS affects your CR

      Thanks for all of your responses. The problem is that when you call some of these companies for info they don't tell you anything negative. They seem to be trying to "sell" you their services which naturally they accentuate the positive and downplay anything negative. Some of these companies are...
    20. C

      How CCCS affects your CR

      What is the name of your state? I am well aware of what scams debt consolidation companies are. Out of curiousity, I called several to ask how it would affect my CR if I were to enlist their services. One said they had no idea. Another said that it would be listed as being "in a debt...

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