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Posts Tagged ‘lawyer’

www.bankruptcyhelp4u.com 888-682-5251 Chapter 7 helps eliminate debts such as credit card debt and medical bill debt while keeping assets. PR Smith Law Group in Tampa, Florida helps clients obtain debt relief though this bankruptcy option.

I have a 0 car payment and a 2 a month comittment with a debt consolidation company to pay 4 credit cards over the next 3 yrs. I’ve filled out job applications but I’m not getting called back. I joined a temp service but they say its slow and no work available. I don’t know what to do. I heard you can get a lawyer or an accountant to write a "hardship letter" to creditors. Is this true? Does it work? But what do I do about the debt consolidation company?? You can’t get blood from a stone. I don’t want to go bankrupt in case I buy a house in the future. What can I do?
I’ve tried to look for christmas help but no one is hiring… its sad. I walked the whole mall looking for a help wanted sign. NOT ONE.
Thanx Dale, yeah I kinda figured it is/might be a scam, I just ignored his comments about the get rich idea.

I recieved a credit card summons on June 21st. I am in Gerogia and have 30 days to answer. I plan on completing my answer in next two days. I have consulted attorney and they all give me geral good answers in regards to making sure I answer first and high-level advice. they dont go deep as it would be consulting which they charge for. I am not ready or able to pay for a full fledged lawyer right now as some of them have said I have a "loser" case being that the amount of debt I have, it would be backwards of me to pay for a lawyer who would ask for more than half the amount I owe in debt.
Bankruptcy is out of the question as it is just K in debt. and I do not want to do debt consolidation programs or debt settlement agencies.I really want to put this behind me. It is not out of the SOL as it was charged off late last year.

After extensive research and help from people on boards & attorneys,
I am preparing my answer.

• In GA, is there an exact way to prepare my answer? Is there a database of GA court forms as other states have that would help?
• When answering, should I allude to myself as "Defendant" or use my full name when making statements?
• What exact verbiage should I use when accepting, denying, or need more info answers?
• Do I put my defenses on same sheet? Where on the answer to complaints do I put my defenses?
• Should I copy original complaint and put answer below each one?
• I want them to validate, not "verify" the debt? Should I attach a "Request for production", "Request for discovery", or "Debt validation" to the answer? or work it into my defense?

• I am also attaching and filling out a "Notice of Appearance" to state I will be at the court date whenever it is set and I want to be notified of every single change or communication. Is this ok?

• At the end, I am also attaching a "Certificate of service" that shows I have also sent a copy of everything to the JDB’s attorney, the date, and what documents along with return reciept. I will do this right before I hear to court to give my answer to the summon. Is this ok?

• Do all of the forms need to be notarized? If not, which ones?

• Am I missing anything that I need to include in my answer to the summons?
I have "Answer", "Defenses", "Request for Production", & "Certificate of service"

BIG QUESTION: What happens after I file an answer? Who will I hear from? what is the time frame?

I want to avoid a default/summary judgement and ultimately want to settle this debt but do not want to do it informally out of court now that they have served me a summons.

The account is for K and is being represented by an attorney for Cavalry Portfolio who was assigned from BofA.
Does BofA have anything to do with this debt anymore?
What is the lowest I should settle for if it does come my way?

Thanks

my hubby and I had our identities stolen. we did not know till we got a summoms to court for a third party debt collector lawsuit. i called them and found out that it was for an account we never heard of. it was from 2008. we have a rule no cash no buy. that is how we were taught. and thats how we are
and still living like that.

I know its fraud and i have a account thats not mine either. We do not have enough money for a attourney and legal aid is mimimal right now. should we pay the lawyer we have just enough to handle the case and then retain him for bankruptcy?

i do not know what to do. this is killing me inside and we have an idea who did it but we are not going to mention it due to recourse …it has happened before with harrasment and now it starting again and again.
please someonme please help.
the debt company is not licensed or affilaiated with the ftc or bbb. i did make a report with both and going to the police tommorrow. i just found out.

I am a father of a beautiful 14 m/o boy. In the last 9 months, the mother and I have exhausted all avenues to try to make things work. I’m currently working full-time, in school full time, and previously all my "spare" time was spent with the family. I gave up everything willingly in order to be the father myself and many late 20 y/o’s never had. I tried showing more attention to the mother, when that didn’t work, I tried to sit and talk with her and get her active in some sort of life again (i.e. when I was home, she could go out with friends, I gave her every penny she ever wanted for any sort of hobby or materialistic item she mentioned, like a dog, a garden, etc.etc.). When there was no change, and she still showed resentment towards me, we started seeing a councilor. After 2 months of that, she decided to leave me.

For the first two months after that, I was picking my son up at the exact time she wanted me to, 9am on Monday, and returning him to her Wednesday at 5pm. Regardless of the time constraints that placed me into, I was happy to see my smiling son. Even when she wanted to see my son while I was at school, I would drive the 25 minutes to the babysitter, pick him up, take him to her, return to class, then pick him up after wards. I never missed a time frame.

I also gave her almost everything she ever asked for. Baby’s bedroom set, the car seat, the brand new vehicle so she had safe transportation, money for food, money for shopping, money for gas. I did everything to appease her, and I guess it still wasn’t enough.

When I asked her to put in writing the days that I get him, just so I could rest at ease, she refused. She then started becoming inconsistent and very demanding. I still gave in and gave her what she wanted, under the false pretense that she really had very little to work with, and wanted my son to have all the opportunities I could provide, even if it put me behind a week in bills.

When I went to talk to a lawyer (female, specializes in paternal cases and divorce issues), to draw up a legal document of my time with Chaz, declaring my paternal rights in the eyes of the court (my name is on the birth certificate, but that means absolutely nothing unless the court recognizes it or the mother wants to declare child support), and setting an agreed upon child support, she started not letting me see my son, sending horrible text messages, and come to find out she’s now declaring sole physical/legal custody with graduated visitation and wants me to pay for her lawyer. I’m flabbergasted at this.

Every day I send my ex a text message (as she won’t answer the phone) asking her to tell my son I love him and miss him. I also ask when I will see him again. She refuses to answer me. I have no idea where he’s staying, if/where a daycare is at, or if he’s even healthy. I’m terrified of what she’s doing to him (via not allowing me to see him). My lawyer is aggressive and doing what she can, but being that I’m already to my eyeballs in debt from helping my ex out, I wanted to see if anyone could offer free advice here. Any idea what a father’s rights are to a child when custody issues are beginning? I know that if she doesn’t allow me to see him, that she’s building a case that I’m incapable of parenting him, but I feel like a shotgun blast has gone through my chest and I’m lost without my baby boy. (Who would’ve thought that three years ago knowing the immaturity of myself?)

Any ideas on what to set my lawyer on? Any guidelines or websites you can direct me to to do some more research? I hate that every e-mail or phone call I give the lawyer is 1/2 hour of her rate, so hopefully y’all can help out a bit. Thank you in advance.

Scared Daddy

I need legal advice on how to handle a debt problem. I owe ,000 to 3 USA credit cards each, so a total of ,000. I am broke, but according to all the lawyers that I have consulted (all of them belong to the California American Board of Certification, the national certification board for bankruptcy, or the ones rated on the Best bureau Business,) tell me that I can file for bankruptcy, but the judge will not allow the debts to be discharged (Is a long story and all the lawyers ask me why and once I explained them, they agree that is not advisable).
I have lived a hell suffering because I think is not ethical to avoid paying, but I am broke, my plan was not to do this, they offered me credit cards with balance transfer and I used them as a way to borrow money while I was solving my problems here, but things did not worked the way I planned and suddenly I cannot obtain more balance transfers and the debt is there but I am broke.
So, I am not looking for a lawyer to file bankruptcy, I am looking for a lawyer that answers my questions that I will have through the collecting and suing process.
I am Mexican, I have lived in Mexico the last 7 seven years of my life. I do not have any assets in the US nor in Mexico or anywhere, I do not have any assets at all.

The same lawyers that I have contacted, I have asked them for a legal consultation, but, they do not offer that, some of them have suggested me to look for a lawyer with practice in the debt collect law. So, my first question is where to look for a reliable lawyer. The questions that I have right now for this lawyer are below, just in case you want to give your opinion if have had any experience on this.

What happens if I answer the call and tell them that I will not pay them?

If I tell them that I do not have any asset in the USA?

And I am not living in the USA?

And I am broke?

I am not American (this may cause that the bank send a notice to migration)?

They may find out that I have some relation with that address in California is that a problem for the people that live there?

Are they ever going to go the California address?

They may find out my address in Mexico, is that a problem?

If in the future I want to go to the USA, Will migration sends me to jail or does not allow me to be there?

How long does it take from the initial of collecting until the release of charges from being sued?

What happen if they sue me?

My question involves judgment recovery in the State of:Ohio. capital one which was represented by a local firm was issued a judgment against me on jan. 26 2009 for 00.00 and 24% interest from 11/18/08. so i called them to try and arrange a payment plan and they had to have 900 up front before they could start any plans. The catch was that not even 5 days after the hearing they were demanding 00.00. they are now saying the total is over 4000.00 they refuse to send me any documents stating why, they refuse to send anything in paper that states a payment plan. im afraid to just start sending money into a black hole. I don’t have the 900 to start a payment plan but even if i did i wouldn’t send money without something in writing stating a plan and payoff. what should i do? is it legal for them to ask for that much even though they were only awarded 2500.00 plus intrest which is no where near what they are asking for? i don’t have money to give a lawyer unless they are going to do more then tell me to pay the debt. i already know that much. also i am concerned about my truck and 4-wheeler. they are both paid off but are both old and not worth much at all. especially at one of their auctions.but i am trying to sell them to get money to pay this off. can they put a lien on them? if so would i even know it? could i still sell them if they do? thanks for your help.

Which rights were violated, such as amendments? Or any (laws, relevant supreme court cases, restraint, probable cause, establishment cause)?

You are so unhappy about the national debt (like I am) that you decide to hold a rally and pass out information to your fellow students on the sidewalk outside of school one morning. While out there on the public sidewalk, the principal approaches you to say that you are not able to criticize the government that runs this school and demands that you stop. When you refuse, he calls the police who arrest you and throw you in jail. At your trial, your lawyer does not ask any questions or cross examination any if the prosecutor’s witnesses. The jury cannot reach a unanimous decision, but the judge decides to overrule their findings and send you to jail. While at jail, the all-white guard unit refuses to protect non-white prisoners (including you) from the skinhead gang. You decide that you are fed up with all of these problems and you send a memo to your congressman describing all of your rights that have been violated by the government.

I’ve already been screwed by my ex, his lawyer & our divorce trial judge. I couldn’t afford a lawyer, there are no probono lawyers in Alaska. I called 40 different lawyers & no one was willing to work on contingency. Even Legal Aid ignored my calls. The trial is over, I got screwed, I filed a complaint against the judge, that’s over with, so please don’t tell me I should have gotten a lawyer, that is not my question!

My ex was ordered to sell 2 properties, after taxes are paid I am supposed to get 60% of what’s left over. The clincher is, the idiot judge ruled that my husband can pay off ALL of his bills (pre & post separation) with the sales money, despite all the evidence & even my ex’s admittance on stand that he sold & took 0,000 after wrongfully selling our house last year, leaving me with nothing. He makes 00 a month. I am disabled & have no income & owe thousands on medical bills, but I was ordered to pay those myself. (How? I don’t know.)

There’s interest in the 2 properties now. If they sale there will be about 0,000 to be divided after the taxes are paid. His name is on the properties only & he owns them free & clear (no debt). There are no liens against them. My Ex will drum up bogus papers (like he did before) claiming he has bills to pay & will use ALL of the money from the sales to "pay" for these bogus bills. In actuality he’ll hide the $, put it in someone elses name for now, making sure I get nothing! AGAIN! This is what he does, & a judge already let him get away with it once. He’ll do it again.

What can I do?

Every time I ask for advice on what to do, such as putting liens on the property, I am told that I should have gotten a lawyer. My problem is I have no income, I only have debt, I’m out of AK & don’t have the health to go take care of things myself, I’m stuck here getting told I should have gotten a lawyer.

I’m begging you PLEASE don’t tell me I should get a lawyer. Tell me HOW to get one. HOW? Tell me what, if anything, can I do without a lawyer? How can I make sure my ex doesn’t screw me over yet again? What can I do? Please help me!

my boyfriends in the middle of a divorce! he and his ex have been very reasonable but his ex wife to be has recently discovered what she can take from him and is suddenly turning a little nasty. my boyfriend offered to pay more than a reasonable amount for the two children, gave her the house without a fight, is paying off her car and £15000 worth of debts just so she doesn’t need to worry about a thing while taking care of two children. she does work and earns a fair bit, but has recently discovered that she can take my partners police pension. this will leave him with nothing if she does, he moved into a house a few months ago and still doesn’t have any real furniture as all his money goes to the to be ex wife, also he’s working twice as hard just so he can have a little extra money that he doesn’t get to see! can he fight to keep the pension? is there anywhere online he can get free legal advise, citizens advice was no good so far! please help, thank you
for the record, my partner has not cheated on his wife with me. they have been separated for two years and are a few months into sorting the divorce proceedings.
next, he has been unable to pay for a lawyer so far as the debts are leaving him with very little each month, so far both sides are going on advice of the english citizens advice where a free solicitor is at hand who he has seen a few times so far.
also, i may have mentioned but the children are in school and his ex to be work while they learn, she has a great income.
the reason my partner has offered to pay more than required is because she went into depression from worry and he doesnt want his children to see her like that.
he has a heart of gold, and as i may have said, shes a very nice woman, shes just trying to grab all she can without realising what he will lose
also, to the person who said i have no idea at what it is like raising kids, i have two of my own and a deceased husband
one last thing, im not getting involved, he tells me all about it, if he wants advice i try my best to give it but otherwise i stay clear, i just feel helpless which is why i have asked this question. i just want to make him smile by giving him some good news