Recent content by billybankruptcy

credit card summons Lady - If they get a judgment, they can freeze your account, but Social Security benefits are exempt from seizure by creditors under federal law (42 USC 406?). The problem arises when your Soc. Sec. check is directly deposited, and you previously made payments from that...

Ch. 13 after injury NuYork - You can propose a Chap. 13 plan to pay back child support only, depending on your financial situation. It is a "priority" claim, meaning you can propose to pay it without proposing to pay other debt. The student loan issue is trickier. Student loans are "general...

Attornet not filing Tim - There is absultely NO excuse for this. A competent bankruptcy attorney should have your paperwork ready for your signature within a week or so of receiving the necessary info from you, and file it a day or two after that. As for the electronic filing system in NJ, it...

need to file bankruptcy Mys - Check with the Legal Services office in your area. They do free work for low income people in civil cases, including bankruptcy. The alternative is simply to stop paying, as SSD benefits are not seizable by creditors pursuant to federal law (somewhere in Title 42...

limit on collection Toby - Every state has a statute of limitations, time limits within which to sue for breach of contract. In NJ, it's 6 years from the date of the last payment. As for filing bankruptcy, check with your local Legal Services office. They may do it for free if your below...

The actual debtor has the right to claim as exempt, i.e., beyond the reach of a creditor to grab under New Jersey law (NJSA 2A:17-19). You simply send a letter to the Court Clerk, with a copy to plaintiff's attorney, saying, "I claim as exempt (insert amount of $1000 or less) funds levied upon...

yes, bankruptcy will help If you don't own a home, or you don't have a lot of equity in one, you can probably file a Chapter 7 Bankruptcy, which simply eliminates most types of unsecured debt - credit cards, medical bills, etc. There are income limits, based on family size. If you are above...