Claim of Exemption

Can I file a Claim of Exemption to wage garnishment myself and if so, where do I find the forms.

wage garnishment

I have a feeling I'm not going to get paid after a small claims judgment in, is there any way to enforce payment, maybe by wage garnishment? Is there a form I have to submit at trial?

Old Phone Bill

I got a notice from a collections agency claiming that I have an unpaid verizon phone bill from 2001. Verizon won't answer any questions about it and I am not even sure if it was my number back then. How long is the statute of limitations on a collection like this in the state of Virginia?

Any chance for Reimbursement?

I was hit with a wage garnishment from Citibank. I fought the wage garnishment and the court overturned it because I was not properly served. The former room-mate signed for the papers and I never saw them.

a piece of property I sold was attached by Citibank and $8,000 was taken from the proceeds of the sale during the ID Theft investigation in April 2005. Citibank supplied documentation indicating the account was in fact fraudulent and deleted the trade line listings from my CRA. Citibank made a verbal agreement in 2005 to reimburse the funds taken inappropriately. When no payment arrived within 60 days, I followed up being told the only way to be reimbursed is through a suit. I did not have the funds to initiate a law suit against Citibank.

Is there anything I can do that won't cost me thousands of dollars I don't have in legal retainers?

credit card sue

I owe money to a credit card company and i never told them that i wold not pay but they want me to pay an amount that i can, now they are sue in me. Can I go to jail?

magazine charges

magazine buckmasters says we ordered magazines over the phone,

did not, turned us over to a credit

dept. called they don't seem to stop, what can we do

debt colletions

can a debt collector charge interest to an account sent to them?

Promissory notes

I have a student loan that's been in default for a number of years now. Recently I contacted the law firm that is dealing with this matter for a particular north eastern state.

In attempting to get this matter resolved, I've requested a copy of the original promissory note. It's about 27 years old. So far, it can't be found.

My question is: If the original promissory note is unable to be found, am I still obligated to pay or settle this debt and can I have it removed from my credit report?

bad check charges

On July 4, 2008 I was arrested for passing bad checks in September 2004. I thought I had taken care of all the bad checks I had out at the time. I never received any summons or notices that I was to appear in court back then. The warrants were issued in January and February of 2005. My court date is next Monday July 14, 2008. I was bonded out by a bail bondsman and he suggested I get a lawyer. I need advice as soon as possible.

Credit Card Debt

My mother-in-law just went to court over an old credit card debt. The judge sat there and said that the statute of limitations was 10 years, but I have been researching and EVERYTHING I see says that it's 5 years for open accounts and that Credit Cards are ALWAYS Open Accounts.

High Debt, Medical

My father has a high medical debt and the collection agency is stating that they will force my parents with refinancing the house or getting a loan in order to pay off the debt. My parents are barely making the monthly payments right now on the mortgage, and I am sure they would not be able to afford the new mortgage if they refinance the house or any costs that go along with that. They have tried to make payment arrangements, but they are not being cooperative.

What can they do?

Please help. Thank you.

joint bank account

I have a joint bank account in nys can this be frozen. i'm not the primary holder of this account.

debt collection

Is a leased vehicle considered an assett? If so why? If a person is leasing a home a lein can't be put on the property, right??

Collection Agency Adding Interest

Can a collection agency continue to add interest to the debt they bought? My original debt was $10k when they coll.agency bought it. Now its $22k after 3 years of no contact with me. I contacted them and made two attempts to settle without success. Now they sold it to another agency and they are pursing me for the $22k. Can they add that much interest to my original debt? How should I go about settling this debt? Obviously I don't want to pay more than double my original debt. I want to settle it, but cannot afford to pay that much. Does the law on this change from state to state? I was living in Wis. when the credit card debt was incurred, but now live in NV.

Judgment Recovery

I have been approached about assigning a small claims judgment awarded in Jackson County, Missouri to a recovery firm. Can a small claims court judgment in Missouri be assigned to another for collection purposes? The defendant works in Kansas but lived in rental property in Missouri. If I want to try to garnish wages, how can I do that over state lines? Is that possibe? I understand interest can be added. How can that be done? What about other costs?

credit debt

I had a recent situation with some credit cards and was not able to pay on time so I stopped paying. This was about 2 years ago. I am in graduate school and will begin to pay on them as soon as I graduate. A collection agency has been constantly calling me with threats and recently said they were going to take me to court. Can i be prosecuted or any of my assets relinquished( as a student I dont have many) because of my inability to pay on the credit cards? thank you.

hardship protection

I have a judgement for a credit card with a 250.00 credit limit that has now grown to 1727.00 total. i am only able to work part-time; I care for my children plus 3 elderly family members,one recently diagnosed w/cancer. The collection firm will not accept my offer of 20.00 per month to pay off this debt--this is all I can afford! Is there any help for me?

credit card

Can a company charge you 17,000.00 on an old credit card account, when you only owe 780.00? They claim it is all interest.

sued

being sued

I have been served

I was just served in the state of NY county of Wyoming for debt for capital one. I was supposed to be working with them when my tax return came and instead I got served. What do I do next?