Posts

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A Creditor has sued me, I answered and disputed, and nothing has happened.

This is a situation which happens with surprising frequency. Many collection law firms are merely retained by collection agencies for the purpose of collecting low hanging fruit, and when a debtor requests their day in court by serving an answer,…
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How will bankruptcy affect my credit rating?

That’s a great question, but the better question is, how is your credit rating right now? As a general rule, if you currently have excellent credit but just too much debt, your credit score will probably drop to 600 or so after the bankruptcy.…
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What is a "Garnishment Exemption Notice and Notice of Intent to Garnish Earnings?"

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…

Will I still have a judgment after bankruptcy?

The bankruptcy discharge makes the judgment “void,” meaning there’s nothing the creditor can do with the bankruptcy, but it stays on your credit for 10 years. If you want the judgment to be deemed “discharged” as well, there is an…
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Creditors are trying to garnish my wages, how can I prevent this from happening?

Filing bankruptcy is the short (and best) answer. Of course, sometimes creditors will threaten to garnish, but they can only do so if they have gotten a judgment, and know where you work. So if that’s the case, you are running out of time. If…

I have been served a summons...what should I do?

This usually means that you are getting toward the end of the collection cycle, that you have not had the money to pay your unsecured bills for at least a year, that your credit is probably shot, and it is probably time to call me. You have…