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Got a call after almost seven years of claiming bankruptcy today! I can not believe they’re still available to you trying to scam me personally away from cash! It is frightening however, as I do not wish any fraudulent that is criminal! They do say my summons is on your way for composing checks that are bad went into bankruptcy. From very nearly seven years ago!? we called my bankruptcy attorney straight away and I was told by him it is a scam! Like we stated simply scary to obtain a call that way! once i chatted with my lawyer we googled some helpful suggestions, many thanks for the advice Malcolm Ruthven! 🙂

Veronica, glad a bit could be helped by me. And beneficial to your bankruptcy that is own attorney once you understand it absolutely was a scam. Are not pay day loan businesses enjoyable!

We apply for chapter 7. it had been released in June 2014. I am just beginning to get phone phone phone calls from a loan that is payday we got on the web. We mention We filed chapter in 2014. They stated they pulled my bankruptcy file and I also didn’t point out their business upon it. They threaten to sue me personally for fraudulence and check theft. Also, they shall deliver summons from sheriff division for garnishment of my wages. Can they are doing this?

Tanya, in the event that you’ll see the article above once more, you will see that what they’re threatening you with is typical of whatever they do. Now concerning the reality (if real) you don’t record them as being a creditor in your Chapter 7 filing, in Ca that financial obligation is eradicated anyhow (let’s assume that your whole creditors got absolutely nothing from your bankruptcy). If you do not reside in Ca, you will need to seek advice from a bankruptcy lawyer in a state about this problem. The point is, you ought to be asking your very own bankruptcy lawyer about this because she or he understands the important points of one’s bankruptcy.

Question: We are now living in Ca. In very early January i obtained one of those installment loans that ended up being authorized because i’ve an automobile. One thing of a name kind loan (the vehicle is certainly not paid and the lender gets the name) Then in mid January 2015, exact same thirty days, I’d to register bankruptcy must be creditor ended up being sueing me personally and my checks had been going to be garnished. Now my bankruptcy had been released in might 2015 but once this loan was mentioned by me to my lawyer he stated perhaps maybe perhaps not the mention it. Do we still need to spend this financial obligation though it wasn’t a part of my court documents?

Desiree, one thing does not seem quite appropriate. I can not provide you with advice that is legal your situation because i am perhaps perhaps not your lawyer plus don’t understand the information on your situation. Having said that, when bankruptcy that is filing swear under penalty of perjury that you have detailed all your assets and all of one’s debts. Therefore you should have detailed that car loan, you state you don’t record it. What goes on now? Whether you listed it or perhaps not, in the event that lender includes a safety curiosity about your vehicle, they could repo the vehicle if you don’t result in the repayments. Do they will have a protection interest? There isn’t any real means for me to understand. Pose a question to your very own bankruptcy lawyer about that. In the event that do repo the automobile, can you owe any balance that is outstanding the mortgage? Perhaps not, but once more I can’t offer you legal counsel about this; you will need to pose a question to your very own lawyer.

Considering filing chapter 7 bankruptcy. At that time I bought my vehicle – we had been working – I became let go. We am behind in my own car repayment as a result of all these. Could I register my automobile regarding the chapter 7 bankruptcy? Also, could I place my pls loan upon it. My child went to university with student education loans for her– not able to make payment– I co-signed. The total amount is $14,000. May I additionally file those learning figuratively speaking

Marie, you have expected numerous concerns that will just just just take more consideration and room that’s available within these remarks or on any online location. Do your self a huge benefit and get an appointment with a seasoned bankruptcy lawyer in your town.

I had a payday loan back 2007. We filed a chapter 13. Here it really is 2015 & there harassing me personally telling me personally we committed fraudulence and there likely to deliver it to county. We told the person We filed bankruptcy in those days. Can they nevertheless get anything after 8 yrs gone by? Can they do anything?

Louise, you did not state in the event that you received your release of debts for the reason that Chapter 13 bankruptcy, of course you listed that cash advance in your routine of debts. In the event that response to both concerns is “yes”, you then should not owe them any such thing. Forward them a duplicate of one’s discharge of debts. Those organizations are recognized to lie about many such a thing to cause you to spend them.

We owe $9,000 mostly due to payday installment loans. I’m on social safety and now have over extended myself and cannot make most of the re re payments allow alone cost of living. I have to retain a bankruptcy lawyer and file Chapter 7? The actual only real income We have is $1500 social security and $150 little retirement check. I am aware this may ruin my credit and I also’ll have difficult time finding a spot to hire but I have no option. I am solitary, no dependents but do not have assets and I also’m 65. Please advise and many thanks.

Christine,, from everything you stated, you might be well set doing a Chapter 7 bankruptcy which may dispose of these pay day loans and other people. I might worry significantly less regarding your credit history than getting straight straight back on a much better economic footing. In terms of leasing an accepted spot to reside, several of my clients have downsized and rented a smaller sized destination after filing their bankruptcy. Certain areas (usually bigger buildings) turn them straight straight straight down, nevertheless they’ve constantly discovered an excellent destination to live.

You a free consultation if you live in the San Francisco Bay Area, I’d be happy to give. Simply click on “Free Consultation” on the menu club.

Malcolm, how exactly does one begin securing a bankruptcy lawyer if they can scarcely manage to feed by themselves? And my situation is exclusive because i have lived with all the man that is same 18 years, never ever hitched and now we’re closing it and I also have always been making with out a dime. We lived the majority of our relationship in southern Ca area but relocated a year ago to another state. He has every thing, i will be from the rent with him regarding the automobile. As I cannot afford the $350 car payment he pays on the car so I don’t even own a car to leave with. I am quite frightened, as all i could do is hire space someplace. I do not even comprehend how to start. He could be obligated to offer me personally no $$, trust in me, i have examined no thing that is such typical legislation wedding in Ca or perhaps their state we are in now.

Christine, we truly start to see the spot you are in. I truly can not let you know how to proceed. I might truly contact the aid that is legal in your town to see should they might help. They’d probably counsel you you are what exactly is commonly called judgment evidence, however the more proper term is collection proof. A creditor (including the cash advance businesses) could sue you and get a judgment on it, so filing bankruptcy would not be necessary at this time against you, but probably couldn’t collect anything. Best of luck!