Can Creditors Still Sue and Garnish Me While I’m in a Debt Settlement Program? Yes. Enrolling in debt settlement does not stop a creditor from suing you, obtaining a judgment, placing a lien on your home, and garnishing your bank or paycheck. Any creditor that...
Your bankruptcy Zoom hearing went exactly as planned. It’s called the “meeting of creditors,” but no creditors showed. The trustee asked a few questions, and we were in and out in less than five minutes. They have two months to object The creditors...
Watch out for this legal fee trap in Chapter 13 When Nan filed chapter 13 bankruptcy, her mortgage company hit her with a $1225 legal fee. Sadly, almost every home owner in Chapter 13 gets hit with a surprise fee. When you file Chapter 13, your mortgage company will...
Zombie Second Mortgages Are Hard to Kill Zombie mortgages are hard to kill. But in the past two years, we successfully used Chapter 13 and consumer law violations to save two families from foreclosure by zombie second mortgages. Maurice and Lily Hadn’t Paid the...
Chapter 7 Trustee Lauren Friend McKelvey Lauren Friend McKelvey is the newest of the four Chapter 7 trustees in the Alexandria, Virginia, Bankruptcy court. When you file a bankruptcy case in Alexandria, the computer assigns you to one of the four trustees. Lawyers...
Keeping Your House as a Widow Filing Bankruptcy in Virginia One of the tragedies of being a widow is this: You lose the protection for your house that Virginia law gives a married couple filing bankruptcy. Bankruptcy is set up by the Federal government, but each state...
