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    Collection Lawsuits: Re: Moving with Judgment Liens

    It could be a way to avoid announcing to my creditors that I've moved.



    One creditor who I owe $5,000 has offered to settle for between $1,000-$2,000. Problem is, without a decent job, I can't...
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    Collection Lawsuits: Re: Moving with Judgment Liens

    So, based on this and what other people have said, it sounds like this could be a viable plan?
    1) Get a job out of town.
    2) Get a PO box.
    3) Contact creditors to settle.
    4) Creditors remove...
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    Collection Lawsuits: Re: Moving with Judgment Liens

    Isn't this only true if it's my primary residence? If I move, wouldn't I lose this protection?
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    Collection Lawsuits: Moving with Judgment Liens

    My question involves collection proceedings in the State of: South Carolina

    I am looking for a job and may have to move for one. But there are three judgments against me for about $5,000 each owed...
  5. Collection Lawsuits: Record of a Judgment but No Record of a Lien

    My question involves collection proceedings in the State of: South Carolina

    I have 3 judgments against me from two creditors. I went to my county's clerk of court register of deeds page and looked...
  6. Chapter 7: How Soon After Ch. 7 Bankruptcy Can I Rent Out or Sell the House I Live in

    My question involves bankruptcy in the state of: South Carolina

    I am considering trying to sell my house or rent it out. But it currently has three liens on it from lawsuits over unpaid credit...
  7. Federal Taxes: Will Student Loan Debts Discharged for Disability Be Taxable Income

    I read that the 2017 tax bill got rid of taxation of student loan debts discharged due to disability.

    Is this correct?

    Will this change apply to loans discharged in 2018 (that is, loans whose...
  8. Federal Taxes: How to Correct an Incorrect IRS Form 9465

    I filed my taxes Monday and included a form 9465. But, due to a mistake in my credit report, I wasn't able to look up the exact amount I already owed the IRS until today (because I couldn't prove my...
  9. Debt Collectors: Re: Are a Debt Collector's Calls to Google Voice Considered to be Telephone Contacts

    To clarify, I spoke to a lawyer in my county - the county where I am being sued - about my situation. She said that it is illegal for debt collectors to call more than once in one day. Whether this...
  10. Debt Collectors: Re: Are Debt Collector Calls to Google Voice Considered House Phone, Cell Phone, or W

    Yes, I gave it to them. Which type of phone I listed it as, I'm not sure. Maybe both house and cell.
  11. Debt Collectors: Are a Debt Collector's Calls to Google Voice Considered to be Telephone Contacts

    My question involves collection proceedings in the State of: South Carolina

    I have received many calls from debt collectors, and I'm pretty sure they may have broken laws in the process.

    Almost...
  12. Re: What Exactly, According to the IRS Defines a "New Trade or Business"

    Thanks!
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    Federal Taxes: Re: Unpaid Credit Card Debt and 1099s

    So, would a fairly accurate shortcut for calculating taxable income that results from debt forgiveness be to say that "Your net worth immediately after the debt is forgiven, if it is above zero,...
  14. Re: What Exactly, According to the IRS Defines a "New Trade or Business"

    Thanks. This is exactly what I was looking for.


    I am hoping to include it as an expense on my Schedule C.


    I've actually taken half of a free Harvard course on C online. But life happened,...
  15. What is a "New Trade or Business" for Purposes of Tax Law

    I could've sworn I'd already asked a similar question here, but I can't find it. And now I have, I believe, a more precise set of questions about it.

    Topic Number: 513 - Work-Related Education...
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    Federal Taxes: Re: Unpaid Credit Card Debt and 1099s

    So, I'm assuming that if I negotiate some kind of settlement before January 1, 2018, the amount forgiven would become income for 2017? If I declare bankruptcy in 2018, the discharged amount would not...
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    Federal Taxes: Unpaid Credit Card Debt and 1099s

    I'm getting sued for credit card debt and am considering either 1) trying to negotiate with my creditor (lump sum or ongoing monthly payments) 2) filing bankruptcy or 3) letting the creditor get a...
  18. Collection Lawsuits: Re: How Should I Answer This Lawsuit

    I didn't necessarily say they "were" trying to be vindictive. What I said was that, at this rate, if they're not willing to settle for an amount I can give (which would be way less than 50%),...
  19. Collection Lawsuits: Re: How Should I Answer This Lawsuit

    I'm kind of spooked by some of the stuff I've read about not trusting the creditor's attorney. Aaaaand I just found out they're suing me for another $5,700 or so. I've also read that creditors rarely...
  20. Collection Lawsuits: Re: How Should I Answer This Lawsuit

    Woops. Looks like I can't take that exemption anyway. I'd still have the wildcard exemption (and a few others) though. I seriously doubt anything I own is worth any more than $800 by itself. If it...
  21. Collection Lawsuits: Re: How Should I Answer This Lawsuit

    It doesn't sound like it to me.
    (For what it's worth, my mortgage was originated by and is serviced by Quicken Loans and was sold to Fannie Mae.)


    I bring that up because, other than my credit...
  22. Collection Lawsuits: Re: How Should I Answer This Lawsuit

    Can a junior lienholder try to foreclose if I am in good standing with my mortgage lender? Is that something they ever try to do?
  23. Collection Lawsuits: How to Answer a Lawsuit Filed by a Bank

    My question involves collection proceedings in the State of: South Carolina

    I'm being sued by Bank of America for $5,400. I don't dispute the fact that I owe the debt, and I don't believe I have...
  24. Federal Taxes: Re: Making Retirement Contributions Deductible from Schedule C Income

    Gotcha. Thanks!
  25. Federal Taxes: Re: Making Retirement Contributions Deductible from Schedule C Income

    All they have told me is line 12 and talk to a tax professional.
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