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    Debt Collectors: Re: Death of parent credit card debt

    Umm.. send the creditor a copy of your mother's death certificate and inform them that she left no estate.
  2. Collection Lawsuits: Re: Procedure for Responding To a Credit Card Lawsuit

    That depends on your state, actually. In some states there is something called a 'slow pay' option and they judge DOES get involved. You provide proof of your financial information, the judge allows...
  3. Debt Collectors: Re: Using the FDCPA to clear all Credit Card Debt

    Not gonna work, it's a SCAM.
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    Bankruptcy Issues: Re: Bankruptcy

    You could, but the interest rate would be nothing short of rape. Your credit IS shot after bankruptcy, but that doesn't mean there aren't mortgage lenders out there who won't finance you.. it just...
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    Chapter 7: Re: Do We Get A Free Car?

    To remove the lien, you must pay what you owe. If you did not reaffirm, you can let them have it back and you have no liability, but you cannot keep secured property without paying for it. So no, you...
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    Chapter 7: Re: Collections after discharge

    In most cases, if your bk was a no-asset Ch 7, then ALL pre-petition debts are considered discharged whether they were listed or not. That should be your position too. If the collections get...
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    Chapter 7: Re: Removal of Bankruptcy from credit report

    You can legally dispute anything that is inaccurate on your credit reports. If there is ANYTHING about the way the BK is listed on your reports, you can dispute it and it's perfectly legal, certainly...
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    Bankruptcy Issues: Re: Continued Collection after BK

    Collection action post-discharge is a violation of the permanent injunction of your discharge and you could have the slapped with contempt charges in bankruptcy court - which really is the proper...
  9. Bankruptcy Issues: Re: Twenty Year Old Seeking Bankruptcy - Logical?

    10K still isn't much to file over. Get a 2nd job and work on paying your debts, you're young, you can handle it. If you can't afford the car, it will be repo'd and you'll be liable for the...
  10. Bankruptcy Issues: Re: Ex-spouse's creditor seeking restitution from me

    The other wrinkle here is that you live in a community property state, which made you legally liable for all debts incurred during the marriage, whether your name was on the account/loan/LOC or not.
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    Debt Collectors: PA does not allow wage garnishment, so that's one...

    PA does not allow wage garnishment, so that's one less thing to worry about.

    If your home is deeded as 'tenancy by entirety', then, per PA law, your home may be exempt from seizure due to debts...
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