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    1. S

      duplicate restitution

      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...
    2. S

      Chap 7 & past open judgements

      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...
    3. S

      Creditors and collection agencies, tangled mess

      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...
    4. S

      Creditors and collection agencies, tangled mess

      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...
    5. S

      Chap 7 & past open judgements

      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
    6. S

      SOL regarding dual states

      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...
    7. S

      SOL regarding dual states

      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...
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      ?? about qualifying for Chpt. 7

      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...
    9. S

      What the H**L do I do Now??

      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...
    10. S

      ?? about qualifying for Chpt. 7

      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...
    11. S

      ?? about qualifying for Chpt. 7

      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...
    12. S

      cheif13

      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
    13. S

      Levy on wages without prior notice: HELP!

      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...
    14. S

      Levy on wages without prior notice: HELP!

      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...
    15. S

      Levy on wages without prior notice: HELP!

      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...
    16. S

      Levy on wages without prior notice: HELP!

      Hi, Snipes. Thank you for your suggestions. I appreciate the response. I do understand why the IRS resorts to such drastic measures to get people's attention. They certainly have ours. It's hard knowing that this tax debt should not even exist but because of someone else's spitefulness we owe...
    17. S

      Levy on wages without prior notice: HELP!

      What is the name of your state?What is the name of your state? Missouri During my husband and his former wife's separation, he had moved out of the home and left all of his receipts, etc, relating to that tax year (yr. ending 1998) in the home. His (former) wife promised to surrender all papers...

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