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Discharge of Debt

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06 May What Can You Do About a Judgment Lien from an Out-of-Business Creditor

Posted at 11:04h in Consumer Credit Issues, Debt Collection Lawsuits, Debt settlement, Discharge of Debt by Jonathan Ginsberg, Esq. 0 Comments
What can you do about a judgment lien filed against you by a creditor or debt buyer that is now out of business? Law firms like Mann, Bracken that have closed down, filed bankruptcy themselves, or otherwise disappeared still appear as judgment creditors on thousands of credit reports.  In many cases, you may have legitimate grounds to challenge these judgments:
  • bad service
  • insufficient documentation
  • incorrect identity
In other cases you may be willing to offer money to settle the outstanding debt so that the judgment will be removed from your credit report.
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24 Mar What To Do If You Are a Creditor In a Bankruptcy?

Posted at 17:16h in Bankruptcy Basics, Business Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, Chapter 7 Bankruptcy, Consumer Credit Issues, Discharge of Debt by Dana Wilkinson, Attorney at Law 0 Comments

Most of the posts on this blog, and in fact on most bankruptcy blogs, focus on the consumer as the bankruptcy debtor.  That makes sense--most bankruptcy cases involve a consumer debtor and a number of institutional creditors, like banks and credit card companies.  And those banks...

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04 Apr Your House Is In Foreclosure: What Should You Do? Part Two

Posted at 11:04h in Bankruptcy Basics, Chapter 13 Bankruptcy, Consumer Credit Issues, Discharge of Debt, Foreclosure Defense, Mortgage Modification by Dana Wilkinson, Attorney at Law 0 Comments

In Part One, I discussed some of the options you may consider when your house (or other property) is in foreclosure, namely mortgage modifications and short sales. This post will focus on whether a deed in lieu of foreclosure, or a Chapter 13 bankruptcy may...

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06 Mar Can Bankruptcy Rescue You from a Financial Scam?

Posted at 14:03h in Consumer Credit Issues, Debt settlement, Discharge of Debt, Foreclosure Rescue Scams by Jonathan Ginsberg, Esq. 0 Comments
investment fraudHas anyone ever offered you $500, $1,000, $2,000 or more for you to sign your name - no strings attached? Assuming you are not a celebrity working an autograph show, cash offers like this are not likely to happen. Yet I hear stories about these “too good to be true” offers at least once or twice a year from my bankruptcy clients. And when I see this type of situation, I know that my client likely has a real mess on his hands. One of these cases from several years ago sticks out in my mind. I’m going to change the facts to protect my client’s privacy but the principle will not change. My client, Jack, worked in the billing department for a county government, and he lived in a quiet, residential neighborhood. Jack had no pressing financial issues.
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