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When Legal Matters Become Personal
If you’ve been served one of these (Garnishment Summons), it means you’ve probably come to the end of the collections cycle where you need to do something about it. There is a Judgment against you, so rule #1 is to keep your money out of the bank. The next thing is to...
You can get your official free credit report from www.annualcreditreport.com . You are entitled to obtain one free report from each of the three major credit bureaus on an annual basis. The one that is easiest to read is Experian. You cannot rely on your credit report...
In a prior blog post, I mentioned Judge Kishel’s order shutting down bankruptcy petition preparer Ed Jonak, who does business under a variety of aliases, including Affordable Law Center, Affordable Court Services, Action Plan Rx, Christian Discount Attorney Services,...
A married person can file bankruptcy either jointly with their spouse, or individually without their spouse. Each spouse has their own credit history, and one spouse’s bankruptcy will not affect the other’s credit report, although there may be a notation on the...
After your bankruptcy case is filed, you will need to make one appearance at what is called a meeting of creditors, or 341 meeting. This is supposed to be within 20-40 days after filing, and while it’s usually pretty close to about a month, they’ve been running about...
No. Minnesota outlawed “debtor’s prisons” in the State Constitution (article 1, section 12) 150 years ago. Courts have since carved out an exception for child support and spousal maintenance, reasoning that those are not debts. It is illegal for a creditor to threaten...
Yes. There is an automatic stay that protects you the moment your case is filed, and nobody can take your assets while the stay is in effect. But keep in mind, in a chapter 7, the ten word rule covers most of what you need to know, and that is “If you want to keep...
The failure to file 2007 taxes does not preclude bankruptcy relief. However, you are required to be law-abiding, and the law requires you to file tax returns with certain limited exceptions for very low-income people, and even then the IRS sometimes wants you to prove...
Yes, but you if you can prove that the most recent source of funds is your earnings, they will have to give it back. This can be fairly complicated, and they can keep levying on your bank account. The safer course of action would be for you to keep your funds in a...
Not only will they not, can they not, penalize you, but you probably have a cause of action against them for ripping you off & may be entitled to a refund. This is one of the more typical horror stories I hear about people in DMP’s. You should contact a bankruptcy...