Debt Collection. I. Know Your Rights:

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Debt Collection. I. Know Your Rights:"

Transcription

1 Debt Collection [ADVOCATE: Give caller advice per script. Read Bankruptcy Script if Appropriate. Check case acceptance list and refer to appropriate office for more services.] [ADVOCATE: If caller is requesting advice for only one debt, please read only the relevant portion of this script.} I. Know Your Rights: Many state and federal laws protect consumers from unfair debt collection practices. In order to be protected by these laws, you must have borrowed money or used a credit card for personal, family our household purposes. If a debt was taken out for business purposes, the following rules may not apply. Advocate: If debts are business debts (ie borrowed money for their home based business) refer to VLS and/or LRS. A. It is important to understand the difference between a Creditor and a Collection Agency. A creditor is the person or business that you borrowed money from (ex: credit card company, credit union loan, bank loan). A collection agency is a company or a person who is either hired by the creditor to collect a debt or who has purchased the debt from the creditor. The law is sometimes different depending on if you are dealing with a creditor or a collection agency. B. Creditors and Collection Agencies cannot: Garnish your wages before getting a court judgment against you; Take any of your property, unless the property is collateral for the loan or they have a court judgment stating that they can take the property; (Collateral is property that you agreed to give up if you can t keep up with the payments, for example a car or house.); Send you to jail; or threaten to send you to jail for failing to pay a debt; Threaten to send have your children taken away from you; Harass you (For example, telephone you at unreasonable hours (before 6 a.m. and after 10 p.m.));. Tell third parties about your debts or tell others that they are trying to contact you about a debt; Threaten you with legal action unless they really intend to take the action and have a legal right to take the action; Lie to you about how much you owe or attempt to collect fees that are not legal (for example, collection agencies can not collect collection costs from a debtor in Hawai i); D:\Gabe's Docs in D\AA-Gabe's Stuff\KISS\Hotline Page Info\Script 1 of 7 Samples\DebtColl-27a.wpd

2 C. Collection Agencies Must: Give you their company name, and the name and address of original creditor, if you ask; Tell you in every letter or telephone call that they are contacting you about a debt and that all information they get will be used to collect the debt; Mail you a letter within 5 business days of your first telephone contact stating the total amount of debt, the name and address of the collection agency, the name of the original creditor, and a notice explaining that you have 30 days to mail them a letter disputing the debt and/or to requesting verification of the debt; Cease all contacts you at home or at work after you have notified them in writing that you do not want any further contact; Be licensed or registered to do business in the state of Hawai i. If your debts have been referred to a collection agency, you can check if they are licensed in Hawai`i by calling If the agency is not licensed call LASH back, we may be able to help you. If a creditor or collection agency violates any of these rules, you may have a right to sue them. This could reduce or eliminate your debt. Advocate: If caller reports violations of any of the above, please check case acceptance criteria for Debt Collection Violations and refer docket if appropriate. II. What Can Creditors/Collection Agencies do if you do not pay your debts? If you are unable or unwilling to pay your debts, a creditor or collection agency can: 1. Report you to a collection agency; 2. Take, or repossess, any goods that are collateral for the loan (car, or some household goods). Once a creditor takes the goods they will sell them. If they get less money from selling the goods than you owe them, you will owe them the difference. 3. Call and write you letters in an attempt to get you to pay the debt; 4. Sue you in court; 5. Refuse to do business with you; and/or 6. Take your wages or bank accounts if they already have a court judgment against you or have right to setoff. III. The Court Process: (Advocate: review this section only if client has been sued or thinks they are about to be sued.) A. Service. Someone over 18 hands you a Complaint which says who is suing you, why they are suing you, approximately how much money they think you owe them. You will also receive a Summons which tells you when your court dates is or gives a deadline to file a written answer. In most cases you will just get a court date. B. Answer: The answer is you chance to tell the court if you agree or disagree with what is in the complaint. In most cases you will answer by appearing in court at the date/time indicated in your Summons. You now have three options. You can D:\Gabe's Docs in D\AA-Gabe's Stuff\KISS\Hotline Page Info\Script 2 of 7 Samples\DebtColl-27a.wpd

3 (1) admit, (2) deny, or (3) default. 1. Admit: If you admit that you owe the amount on the complaint, the judge will immediately issue a Judgment against you. 2. Deny: If you deny that you owe the debt or disagree with the amount of the debt, the court will set a hearing date. Pay very close attention because the judge will tell you when you must be back in court and when you must share your evidence with the other side. 3. Default: Default mean that you do not show up in court on time or file the papers as instructed on your Summons. If you default, the Judge will issue a Default Judgment against you. In addition, you will not receive any more court papers for your case. C. Counter-Claim: If you believe that the creditor violated any of the laws governing collection of debts (described in part I), you may able to file your own complaint, called a counter claim, against the creditor/collection agency. A counter claim could result in you getting money from the creditor a reduction of the amount you owe the creditor. IV. Post-Judgment Collections: Once a creditor gets a judgment against you, they can use additional means to collect. A. Require you to attend an Examination of Judgment Debtor. This is a way for the creditor to find out what property you own, if any, where your bank accounts are, and where you work. You will receive court papers telling you when and where you must attend court. If you do not go to court for the examination, the judge will usually issue a bench warrant. This means that you could be held in jail for a short amount of time and required to pay some money (usually $50). If you missed your examination, you may call the attorney for the creditor to arrange a time to conduct the examination. B. Garnish a portion of your wages, unless you are judgment proof (see J.P. below). C. Place a Lien on any real or personal property worth over $1000. However, many creditors will not get a lien unless the property is worth more than the cost of hiring a lawyer and going back to court again. Advocate: if wages being garnished, please see case acceptance criteria and refer if appropriate. V. Judgment Proof Judgment proof means you have special income or so little income and assets that the law protects them from your creditors even if you do not file for bankruptcy. If you are judgment proof, your creditors cannot take your property or your income. D:\Gabe's Docs in D\AA-Gabe's Stuff\KISS\Hotline Page Info\Script 3 of 7 Samples\DebtColl-27a.wpd

4 To be Judgment Proof, you must have only PROTECTED INCOME and NO SPECIAL ASSETS A. PROTECTED INCOME Protected Income is income that is from a protected source, or wages that are below a federal minimum living allowance. Ordinary creditors cannot garnish or take protected income. The following income is protected: Employment where you earn less than $ a week (after withholding taxes) Welfare (AFDC, GA) Supplemental Security Income (SSI) Social Security / Social Security Disability (but not exempt for child support arrears, student loans, taxes and debts to federal government agencies) Temporary Disability Insurance (TDI) Unemployment Compensation Worker s Compensation Pension for Government Employees Most Private Pensions Veteran s Benefits (but not exempt for payment of child support arrears, student loans, taxes and debts to federal government agencies) Child Support B. SPECIAL ASSETS. Assets that a creditor may be able to take. Bank Accounts holding any money from sources other than the protected income listed above. Creditors must have court order. A checking, savings or other account at a bank that you also owe money to. Most banks have the right to take money out of a savings, checking account to pay a debt you owe to that bank. This kind of setoff does not require the bank to have a court order. a home or an interest in land or property. Collateral, or property you agreed to hand over if you stopped paying on a loan (like a car or a house). creditors do not need a court order to take collateral. Any one item worth more than $1000 if you were to sell it in the newspaper (for ex. a car).. Creditor needs court order to take personal property, so a creditor often won t go after it unless it is worth more than the cost of an attorney and court filing fees Individual Retirement Account or a Non-Government Pension that you made contributions to within the last 3 years. Creditors need a court order. Advocate: If Caller is NOT Judgment Proof, ask if interested in bankruptcy information and read bankruptcy script if applicable. D:\Gabe's Docs in D\AA-Gabe's Stuff\KISS\Hotline Page Info\Script 4 of 7 Samples\DebtColl-27a.wpd

5 VI. Protect Yourself: A. Prioritize Your Spending: Keep you money for critical needs: Food Shelter Utilities Children B. Small payments on your debts may hurt you: They don t reduce the debt, only go to interest They encourage bill collectors to harass you more They allow the creditor to come after you for 6 more years (statute of limitations is 6 years from last activity which is the last payment, purchase or signing of promissory note). C. Make Sure any Protected Income is Safe Do not put protected income into an account at a bank that you owe money to (ex. a credit card or a personal loan). The bank may be able to take the protected income out of your account in order to pay on your debt to the bank. This is called a set off. If there is income from any unprotected source commingled with protected funds in an account, take out the unprotected funds. If necessary, open a second account with the unprotected funds, or deal in cash. D. Write your creditor a letter telling them to stop contacting you 1. One letter for creditors to cease contact at home. They do not have to cease contact at home upon receipt, but they may. 2. One letter for creditors to cease contact at work. They do have to cease contact at work upon receipt. 3. One letter for 3rd party debt collectors. They are required by law to cease contact at work and/or at home upon receipt of written letter. Send letter to each creditor and debt collector. Keep copies. It is important to send via certified mail, return receipt requested, otherwise collection agencies will ignore it. Advocate: MAIL sample cease contact letters. E. Save all notices and their envelopes. F. Tape record collection calls calls if they have a tape recorder. G. You do not have to talk to your creditors H. Get a copy of your credit report. NOTE: If caller wants, send them How To Get a Copy Of Your Credit Report I. Don t let them into your home (You only have to let a creditor repossessing something into your home if s/he has a court document served by a sheriff) D:\Gabe's Docs in D\AA-Gabe's Stuff\KISS\Hotline Page Info\Script 5 of 7 Samples\DebtColl-27a.wpd

6 J. Don t sign any new agreement with creditors. K. Consider Filing Bankruptcy (read script if appropriate) VII. Special Debts (Support, Alimony, Student Loans and Taxes) Advocate: If caller has none of these special debts, skip this section. The law does not treat all debts the same. Some types of debt are more serious. These debts include child support, alimony, most taxes, and guaranteed student loans. Social security benefits, but not SSI, may be garnished in order to pay back child support, taxes, guaranteed student loans and some debts to federal government agencies. A. Child Support and Alimony Payments. Child support and alimony are payments ordered by courts. The law says these debts are important and that they cannot be discharged in bankruptcy. Also, the law allows a larger amount of wages to be garnished to collect these support payments than it does to collect ordinary types of debt. B. Taxes : Advocate: If caller has federal tax debt, tell them about LITC project and complete docket if caller wants additional assistance. The methods that the federal, state and local governments can take to collect debts owed to them are more harsh than those of any other creditor. For example, the government can take property such as a car or a house and sell it to pay your tax debt, even if you haven t finished paying for the property. The government can even place a claim (lien) against money or property you get in the future. The government can garnish your wages without a court order. The must only leave a bare minimum of possessions and income. Some types of income like social security benefits (but not ssi) and veterans benefits, which are protected from regular debts can be garnished to pay a federal tax debt. C. Federally Insured (Most) Student Loans. The government can intercept the borrower s income tax refunds and apply them to the defaulted student loan. If the borrower is employed, the government can garnish wages without suing the borrower. The government can garnish social security and veterans benefits. There are many kinds of guaranteed student loans, and their terms vary widely. Legal Aid Society of Hawai i has additional information on options available to debtors who cannot make required payments. Advocate: Mail brochure if caller is interested in add l information. VIII. Divorce. (Read only if caller is divorced or separated. Divorce decrees usually assign marital debts to one or the other spouse. This agreement is not D:\Gabe's Docs in D\AA-Gabe's Stuff\KISS\Hotline Page Info\Script 6 of 7 Samples\DebtColl-27a.wpd

7 binding on creditors. If both spouses sign the credit application, lease, etc., or if the debt was for a necessity such as housing or medical bills, the debt is a joint debt. The creditor has the right to collect from either party, no matter who the divorce decree says must pay. Similarly, the credit report of both parties will show the payments or lack of payments on joint debts. If one spouse fails to pay debts as ordered in the divorce decree, the other spouse may request a court order to enforce the decree. However, that action is taken only against the ex-spouse. It does not stop the creditors from collecting payment from either party. [Advocate: if caller has joint debt with spouse or former spouse, send out sample letter of nonresponsibility.] For each debt collection issues identified, check case acceptance criteria and refer docket if appropriate. MAIL APPLICABLE BROCHURE(S) Debt Collection* Special Problems of Debtors* How to Check Your Credit Cease Contact Letters Student Loans Direct Consolidation Wage Garnishment Student Loans Court Brochures: How to Represent Yourself (in court and administrative hearings)* Small Claims Court (Department Brochure) Regular Claims Court (Department Brochure) Taxes: LITC project information D:\Gabe's Docs in D\AA-Gabe's Stuff\KISS\Hotline Page Info\Script 7 of 7 Samples\DebtColl-27a.wpd

Bankruptcy/Debt Collection

Bankruptcy/Debt Collection Bankruptcy/Debt Collection [ADVOCATE: Give caller advice per script. Check case acceptance list and refer to appropriate offfice for more services.] I. Explain Judgment Proof Judgment proof means you have

More information

Debt Collection From the Debtor s Perspective. A Few Facts About the Debt Burden of American Households. Debt Facts 8/14/2013

Debt Collection From the Debtor s Perspective. A Few Facts About the Debt Burden of American Households. Debt Facts 8/14/2013 Debt Collection From the Debtor s Perspective Linda Cook Senior Staff Attorney Ohio Poverty Law Center lcook@ohiopovertylaw.org 2013 Ohio Poverty Law Center A Few Facts About the Debt Burden of American

More information

Debt Collection. Federal Trade Commission consumer.ftc.gov

Debt Collection. Federal Trade Commission consumer.ftc.gov Debt Collection Federal Trade Commission consumer.ftc.gov If you re behind in paying your bills, or a creditor s records mistakenly make it appear that you are, a debt collector may be contacting you.

More information

WHEN THE CREDITOR SUES, WHAT ARE MY RIGHTS?

WHEN THE CREDITOR SUES, WHAT ARE MY RIGHTS? LEGAL AID CONSUMER FACT SHEET # 2 -------------------------------------------------------------------------------------------- WHEN THE CREDITOR SUES, WHAT ARE MY RIGHTS? Important Note: The following

More information

Debt Collection Guide

Debt Collection Guide Debt Collection Guide Update This Update includes new information you should know when dealing with debt collectors. 1. In New York, a debt collector cannot collect or attempt to collect on a payday loan.

More information

Debt Collection LEGAL SERVICES. Know Your Rights. - What you can do. - What bill collectors can (and cannot) do. Consumer Law Project for Elders

Debt Collection LEGAL SERVICES. Know Your Rights. - What you can do. - What bill collectors can (and cannot) do. Consumer Law Project for Elders Are you 60 or over? If yes, free legal assistance is available. If you have a debt collection or other consumer problem, please call CONSUMER LEGAL SERVICES SELF HELP SERIES Consumer Law Project for Elders

More information

WHAT CAN I DO IF I CAN T PAY MY DEBTS?

WHAT CAN I DO IF I CAN T PAY MY DEBTS? T H E S TAT E B A R O F C A L I F O R N I A WHAT CAN I DO IF I CAN T PAY MY DEBTS? GET THE L E G A L F A C T S O F L I F E What can I do if I can t pay my debts? 1 Can my property be taken to pay a debt?

More information

Post Judgment Exemptions & Protections. Post Judgment Exemptions & Protections: Review & Update. When Do Post Judgment Protections Apply?

Post Judgment Exemptions & Protections. Post Judgment Exemptions & Protections: Review & Update. When Do Post Judgment Protections Apply? Post Judgment Exemptions & Protections Wisconsin exemptions currently found under Wis. Stat. section 815.18-815.20, are intended to advance the humane purpose of preserving to debtors and their dependents

More information

BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS

BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS BANKRUPTCY SOME FREQUENTLY ASKED QUESTIONS AND ANSWERS 1 You should file for bankruptcy only after carefully deciding that bankruptcy is the best way to deal with your financial problems. This pamphlet

More information

Bankruptcy. Debts & Debt Collection. What happens if I can't pay my bills? What can a collection agency do? How is a secured debt collected?

Bankruptcy. Debts & Debt Collection. What happens if I can't pay my bills? What can a collection agency do? How is a secured debt collected? Bankruptcy 13 Bankruptcy Debts & Debt Collection What happens if I can't pay my bills? Persons to whom you owe money have several methods of recourse if you fail to pay a debt. The method used depends

More information

DEBT: GARNISHMENT & EXECUTION

DEBT: GARNISHMENT & EXECUTION DEBT: GARNISHMENT & EXECUTION How Does a Creditor Collect a Debt? Sometimes, the person or company to whom you owe money will go to court. They will ask for a court order to make you pay your debt. For

More information

CONSUMER. Dealing with Debt Collection Harassment

CONSUMER. Dealing with Debt Collection Harassment CONSUMER Information for Advocates Representing Older Adults National Consumer Law Center Debt collectors have been the most complained-about industry on the Federal Trade Commission s consumer website

More information

QUESTIONS CONCERNING BANKRUPTCY

QUESTIONS CONCERNING BANKRUPTCY QUESTIONS CONCERNING BANKRUPTCY The Law Office of Paul D. Post, P.A. is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The assistance provided to clients may

More information

How to Inform a Debt Collector You Are Collection-Proof

How to Inform a Debt Collector You Are Collection-Proof How to Inform a Debt Collector You Are Collection-Proof Note: Use these instructions and letter to inform a creditor or debt collector that they cannot use a court judgment to make you pay a debt, because

More information

Bankruptcy may make it possible for you to:

Bankruptcy may make it possible for you to: A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy

More information

A Guide to. Small Claims Court

A Guide to. Small Claims Court A Guide to Small Claims Court Legal Aid of North Carolina, Inc. November 2013 Anyone 18 or over has the right to start a lawsuit in the North Carolina court system. If the lawsuit is for a claim of $10,000

More information

How to Tell a Debt Collector They Have Not Given You Proper Notice about Your Debt

How to Tell a Debt Collector They Have Not Given You Proper Notice about Your Debt How to Tell a Debt Collector They Have Not Given You Proper Notice about Your Debt Note: Use these instructions and letter to tell a debt collector that they have not given you proper written notice about

More information

Five minute guide to being sued & wage garnishment

Five minute guide to being sued & wage garnishment Five minute guide to being sued & wage garnishment First, it is important to distinguish between actually being sued and having creditors threaten to sue you. The difference is important. We have seen

More information

Debtors Rights: Dealing with Collection Agencies

Debtors Rights: Dealing with Collection Agencies Debtors Rights: Dealing with Collection Agencies Are you being contacted by debt collection agencies? This publication should help you understand debt collection practices and your rights when dealing

More information

NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES PROPOSED 23 NYCRR DEBT COLLECTION

NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES PROPOSED 23 NYCRR DEBT COLLECTION NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES PROPOSED 23 NYCRR DEBT COLLECTION.1 Definitions. For the purposes of this Part: (a) Clear and conspicuous means that the statement, representation or term

More information

DEALING WITH DEBT. Your Rights and Responsibilities in Minnesota

DEALING WITH DEBT. Your Rights and Responsibilities in Minnesota DEALING WITH DEBT Your Rights and Responsibilities in Minnesota Fifth Edition Revised December 2009 The laws explained in this booklet change frequently, so be sure to check for changes. This booklet can

More information

Post-Judgment: Basic Steps for Handling a Small Claims Earnings Garnishment (Recovery of Judgments Totaling $10,000 or less)

Post-Judgment: Basic Steps for Handling a Small Claims Earnings Garnishment (Recovery of Judgments Totaling $10,000 or less) Post-Judgment: Basic Steps for Handling a Small Claims Earnings Garnishment (Recovery of Judgments Totaling $10,000 or less) Any forms mentioned in this basic guide may be obtained from the Clerk of Court

More information

COMMON QUESTIONS ABOUT BANKRUPTCY

COMMON QUESTIONS ABOUT BANKRUPTCY SCUDDER G. STEVENS, P.A. ATTORNEYS AT LAW A PROFESSIONAL ASSOCIATION 120 North Union Street P.O. Box 1156 Kennett Square, PA 19348 (610) 444-9840 (800) 294-4242 FAX (610) 444-9841 COMMON QUESTIONS ABOUT

More information

NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES 23 NYCRR 1 DEBT COLLECTION BY THIRD-PARTY DEBT COLLECTORS AND DEBT BUYERS

NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES 23 NYCRR 1 DEBT COLLECTION BY THIRD-PARTY DEBT COLLECTORS AND DEBT BUYERS NEW YORK STATE DEPARTMENT OF FINANCIAL SERVICES 23 NYCRR 1 DEBT COLLECTION BY THIRD-PARTY DEBT COLLECTORS AND DEBT BUYERS I, Benjamin M. Lawsky, Superintendent of Financial Services, pursuant to the authority

More information

Filing Bankruptcy: General Information. Debts

Filing Bankruptcy: General Information. Debts Filing Bankruptcy: General Information The Big Picture The Big Picture when it comes to Bankruptcy is this: the person or entity that owes money and needs relief from creditors (the debtor ) is making

More information

NYC Bankruptcy Assistance Project

NYC Bankruptcy Assistance Project NYC Bankruptcy Assistance Project A Project of Legal Services for New York City Answers to Common Bankruptcy Questions A decision to file for bankruptcy should be made only after determining that bankruptcy

More information

IMPORTANT NOTICE YOUR FUNDS HAVE BEEN LEVIED. The Creditor has frozen money in your account at your financial institution.

IMPORTANT NOTICE YOUR FUNDS HAVE BEEN LEVIED. The Creditor has frozen money in your account at your financial institution. STATE OF MINNESOTA COUNTY OF DISTRICT COURT JUDICIAL DISTRICT (Creditor) (Debtor) (Financial institution) IMPORTANT NOTICE YOUR FUNDS HAVE BEEN LEVIED The Creditor has frozen money in your account at your

More information

The CNMI Division of Revenue and Tax s Collection Process Keep this publication for future reference

The CNMI Division of Revenue and Tax s Collection Process Keep this publication for future reference DIVISION OF REVENUE AND TAXATION COMMONWEALTH OF THE NORTHERN MARIANA ISLANDS Post Office Box 5234 CHRB Saipan, MP 96950 Tel. (670) 664-1000 What You Should Know About The CNMI Division of Revenue and

More information

Debtors Rights: Dealing with Collection Agencies

Debtors Rights: Dealing with Collection Agencies 0200EN Rev. 10/2014 Debtors Rights: Dealing with Collection Agencies Collection agencies are calling me nonstop. What can I do? This publication should help you understand debt collection practices and

More information

The Goodman Law Firm, P.A. 1 Dana Street, 4th Floor P.O. Box 7523 Portland, ME 04101

The Goodman Law Firm, P.A. 1 Dana Street, 4th Floor P.O. Box 7523 Portland, ME 04101 The Goodman Law Firm, P.A. 1 Dana Street, 4th Floor P.O. Box 7523 Portland, ME 04101 Fax: (207) 772-2778 www.goodmanlawfirm.com Tel: (207) 775-4335 joseph@goodmanlawfirm.com What Is Bankruptcy? ANSWERS

More information

Claiming your exempt funds in a bank account garnishment

Claiming your exempt funds in a bank account garnishment Claiming your exempt funds in a bank account garnishment Georgia Legal Services Program You ve been garnisheed. Your bank has frozen funds in your bank account in order to pay a judgment that was sent

More information

IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI

IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI MOW 2016-1.4 (5/22/07) IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI IN RE: ) ) ) Case No. ) ) Debtors. ) RIGHTS AND RESPONSIBILITIES AGREEMENT BETWEEN CHAPTER 13 DEBTORS AND

More information

Debt. Collection: What Happens If I Get Sued? Advancing Human Rights and Justice for All in Maryland since 1911. Debt. Collection

Debt. Collection: What Happens If I Get Sued? Advancing Human Rights and Justice for All in Maryland since 1911. Debt. Collection Debt Collection Debt Collection: What Happens If I Get Sued? color logo :: PMS 1807c MLA :: PMS 1807 spot translated to 4-color process :: c:0/m:100/y:96/k:28 Advancing Human Rights and Justice for All

More information

TOO MANY DEBTS? HOW TO DEAL WITH YOUR DEBTS AND STOP DEBT COLLECTORS FROM HARASSING YOU

TOO MANY DEBTS? HOW TO DEAL WITH YOUR DEBTS AND STOP DEBT COLLECTORS FROM HARASSING YOU LEGAL AID CONSUMER FACT SHEET # 1 TOO MANY DEBTS? HOW TO DEAL WITH YOUR DEBTS AND STOP DEBT COLLECTORS FROM HARASSING YOU Important Note: The following fact sheet is not intended to substitute for legal

More information

WHAT BANKRUPTCY CAN T DO

WHAT BANKRUPTCY CAN T DO A decision to file for bankruptcy should only be made after determining that bankruptcy is the best way to deal with your financial problems. This brochure cannot explain every aspect of the bankruptcy

More information

HOW TO SURVIVE GARNISHMENT

HOW TO SURVIVE GARNISHMENT HOW TO SURVIVE GARNISHMENT Todd Murray The Todd Murray Law Firm, PLLC 800 Washington Ave N Suite 704 Minneapolis, MN 55401 (612) 284-4141 todd@toddmurraylaw.com IMPORTANT INFORMATION PLEASE READ THIS FIRST

More information

Answers to Common Bankruptcy Questions 1

Answers to Common Bankruptcy Questions 1 Answers to Common Bankruptcy Questions 1 A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This handbook can

More information

Planning. Taxation of loan forgiveness. Today s Plan 8/19/2014

Planning. Taxation of loan forgiveness. Today s Plan 8/19/2014 Planning Comprehensive Student Loan Training Series Session Three of Four August 2014 Above the line adjustments to income Take the student loan deduction Use health savings account from employer Use section

More information

What You Need To Know About Student Loans

What You Need To Know About Student Loans What You Need To Know About Student Loans Copyright April 2002, Legal Aid Society of Hawai i All rights reserved. These materials may not be reproduced without written permission of the Legal Aid Society

More information

SOUTH CAROLINA BAR. Consumer debt and the law

SOUTH CAROLINA BAR. Consumer debt and the law SOUTH CAROLINA BAR Consumer debt and the law D o you owe someone money? Having trouble paying off your debt? This brochure can help you understand your rights as a consumer debtor. WHAT HAPPENS IF YOU

More information

REPOSSESSION TIME LINE

REPOSSESSION TIME LINE This communication is made available by Colorado Legal Services, Inc., (CLS), as a public service and is issued to inform not to advise. No person should attempt to interpret or apply any law without the

More information

Car Title Loans. What is a car title loan? How does a car title loan work?

Car Title Loans. What is a car title loan? How does a car title loan work? Car Title Loans What is a car title loan? When you take out a car title loan, you are borrowing money and giving the lender the title to your car as collateral. This means that the lender can repossess

More information

Thinking About Bankruptcy? Things You Need to Know.

Thinking About Bankruptcy? Things You Need to Know. Thinking About Bankruptcy? Things You Need to Know. In this handout, you will: Learn about Chapter 7 Bankruptcy. Find out what help is available. IMPORTANT: This handout is not legal advice. It is for

More information

DIVORCE PACKET YOUR LEGAL RIGHTS MAY BE BETTER PROTECTED WITH THE HELP OF AN ATTORNEY

DIVORCE PACKET YOUR LEGAL RIGHTS MAY BE BETTER PROTECTED WITH THE HELP OF AN ATTORNEY DIVORCE PACKET YOUR LEGAL RIGHTS MAY BE BETTER PROTECTED WITH THE HELP OF AN ATTORNEY IF YOU AND YOUR SPOUSE HAVE A CHILD OR CHILDREN, OWN A HOME OR BUSINESS, OR IF EITHER SPOUSE HAS A PENSION OR RETIREMENT

More information

Bankruptcy. 1. What is bankruptcy?

Bankruptcy. 1. What is bankruptcy? Helping Older Persons With Legal & Long-Term Care Problems Bankruptcy 1. What is bankruptcy? Bankrupt means filing a petition in federal bankruptcy court asking for protection from those to whom you owe

More information

Coping with a Money Crunch Dealing with Creditors

Coping with a Money Crunch Dealing with Creditors Chapter 4: After the Disaster Coping with a Money Crunch Dealing with Creditors Outstanding bills and no money to pay creditors can be very frightening. Unemployment, death, illness, divorce or accident

More information

Common Questions of Personal Bankruptcy

Common Questions of Personal Bankruptcy Common Questions of Personal Bankruptcy Here are a few common questions many have asked with the answers from our experienced bankruptcy attorneys. If you have any common questions, please call Amicus

More information

UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA

UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA UNITED STATES BANKRUPTCY COURT SOUTHERN DISTRICT OF FLORIDA NOTICE PURSUANT TO FLORIDA STATUTE 77.041 TO DEFENDANT OF RIGHT AGAINST GARNISHMENT OF WAGES, MONEY AND OTHER PROPERTY The Writ of Garnishment

More information

What Happens If I Cannot Keep Up With My Debt Payments?

What Happens If I Cannot Keep Up With My Debt Payments? What Happens If I Cannot Keep Up With My Debt Payments? Owing money is called being in debt. It can be stressful if you are having trouble keeping up with your bill payments, or you are worried about being

More information

Stopping a Florida Garnishment Using the "Head of Family" Exemption

Stopping a Florida Garnishment Using the Head of Family Exemption Stopping a Florida Garnishment Using the "Head of Family" Exemption Introduction: If a judgment is entered against you by a court, your wages or bank account may be taken from you to pay the judgment.

More information

Creditor Lawsuits Handbook

Creditor Lawsuits Handbook Creditor Lawsuits Handbook In Magisterial District Court A Handbook for people dealing with creditor lawsuits, including information on such suits and common defenses. Revised July 2009 Introduction This

More information

What is HELPS? How Much Does HELPS Cost?

What is HELPS? How Much Does HELPS Cost? Are you being harassed by collectors for debt you cannot afford to pay? Your Social Security and/or Pension is protected from collectors! When you are represented by HELPS Nonprofit Law Firm, a collector

More information

PAYDAY LOANS. What is a payday loan?

PAYDAY LOANS. What is a payday loan? PAYDAY LOANS What is a payday loan? A payday loan is a small loan that has to be paid back in a very short amount of time, within two pay periods. It has a definite due date for full repayment, unlike

More information

CHARLES (CHUCK) JOHNSON ATTORNEY AT LAW

CHARLES (CHUCK) JOHNSON ATTORNEY AT LAW CHARLES (CHUCK) JOHNSON ATTORNEY AT LAW CHERI KNIGHT SHELLY MUSTAIN 985 KK DRIVE, SUITE 104 PO BOX 1030, OSAGE BEACH, MO 65065 PHONE: 573-348-0503 TOLL FREE: 866-342-6063 FAX: 573-348-0537 E-MAIL: office@charlesjohnsonlaw.com

More information

Rights & Options When You Owe Money

Rights & Options When You Owe Money Are you 60 or over? If yes, free legal assistance is available. If you have a debt collection or other consumer problem, please call Consumer Law Project for Elders 1-800-296-1467 Call SLS for help if

More information

A CITIZEN S GUIDE: YOUR RIGHTS AFTER A SMALL CLAIMS JUDGMENT

A CITIZEN S GUIDE: YOUR RIGHTS AFTER A SMALL CLAIMS JUDGMENT A CITIZEN S GUIDE: YOUR RIGHTS AFTER A SMALL CLAIMS JUDGMENT This Guide explains the procedures for collecting on a Small Claims judgment. Getting a judgment in a Small Claims case is just half the battle

More information

What Creditors Can CONSUMER TIPS

What Creditors Can CONSUMER TIPS What Creditors Can Do If You Don t Pay This publication is intended to provide general information only and is not a substitute for legal advice. Contents Page Unsecured credit contracts 2 If a creditor

More information

Tax returns or a driver s license are not acceptable proof of your social security number.

Tax returns or a driver s license are not acceptable proof of your social security number. la version en español de la carta está disponible en Documents en aztrustee.com It is critical to the success of your case that you do each of the following: Attend Notice of Chapter 7 Bankruptcy Case

More information

Bankruptcy for Volunteer Attorneys Transcript (Colorado Legal Services, Montana Legal Services Association, and Utah Legal Services)

Bankruptcy for Volunteer Attorneys Transcript (Colorado Legal Services, Montana Legal Services Association, and Utah Legal Services) Bankruptcy for Volunteer Attorneys Transcript (Colorado Legal Services, Montana Legal Services Association, and Utah Legal Services) Bankruptcy for Volunteer Attorneys This training is designed to assist

More information

IN THE DISTRICT COURT OF SEBASTIAN COUNTY WRIT OF GARNISHMENT SMALL CLAIMS CIVIL DIVISION PLAINTIFF: DEFENDANT: GARNISHEE:

IN THE DISTRICT COURT OF SEBASTIAN COUNTY WRIT OF GARNISHMENT SMALL CLAIMS CIVIL DIVISION PLAINTIFF: DEFENDANT: GARNISHEE: GARNISHMENT CASE NUMBER STATE OF ARKSANSAS Sebastian County Greenwood Division IN THE DISTRICT COURT OF SEBASTIAN COUNTY GREENWOOD DIVISION WRIT OF GARNISHMENT SMALL CLAIMS CIVIL DIVISION PLAINTIFF: DEFENDANT:

More information

ANSWERS TO COMMON BANKRUPTCY QUESTIONS

ANSWERS TO COMMON BANKRUPTCY QUESTIONS Wayne Howell, PLLC ANSWERS TO COMMON BANKRUPTCY QUESTIONS A decision to file for bankruptcy should be made only after determining that bankruptcy is the best way to deal with your financial problems. This

More information

DEBTOR EDUCATION CERTIFICATES: These must be filed with the Bankruptcy Court. Do NOT send a copy to me.

DEBTOR EDUCATION CERTIFICATES: These must be filed with the Bankruptcy Court. Do NOT send a copy to me. DINA L. ANDERSON, CHAPTER 7 TRUSTEE MAILING ADDRESS: 21001 N. Tatum Blvd., #1630-608, Phoenix, AZ 85050 EMAIL: general@dlatrustee.com* PHONE: 480-304-8312* Case No. I have been appointed as the Trustee

More information

Claiming your exempt funds in a bank account garnishment

Claiming your exempt funds in a bank account garnishment Claiming your exempt funds in a bank account garnishment You ve been garnished. Your bank has frozen funds in your bank account in order to pay a judgment that was sent by a creditor. This packet provides

More information

K.2 Answers to Common Bankruptcy Questions

K.2 Answers to Common Bankruptcy Questions Adapted from Consumer Bankruptcy Law and Practice, 10 th Edition, National Consumer Law Center, copyright 2012. Used by permission. K.2 Answers to Common Bankruptcy Questions A decision to file for bankruptcy

More information

Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. Federal debt collection protection Act written with the purpose of:

Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. Federal debt collection protection Act written with the purpose of: Fair Debt Collection Practices Act FDCPA 15 U.S.C. 1692 et seq. Federal debt collection protection Act written with the purpose of: Leveling the field so compliant debt collection agencies have a fair

More information

I m behind in my mortgage payments, what should I do?

I m behind in my mortgage payments, what should I do? FORECLOSURES This handout was prepared by Legal Services of Greater Miami, Inc.(LSGMI) with support from the Institute for Foreclosure Legal Assistance. LSGMI represents homeowners in foreclosure and homeowners

More information

CHAPTER 32-09.1 GARNISHMENT

CHAPTER 32-09.1 GARNISHMENT CHAPTER 32-09.1 GARNISHMENT 32-09.1-01. Definitions. In this chapter, unless the context or subject matter otherwise requires: 1. "Defendant" means every judgment debtor. 2. "Disposable earnings" means

More information

What is Credit? What Different Types of Credit Are Available?

What is Credit? What Different Types of Credit Are Available? Credit and Debt What is Credit? Credit is a contract between a lender, such as a bank, a credit card company, or a store, and an individual or company. The lender provides the money or access to money,

More information

BANKRUPTCY. What is the difference between a Chapter 7 and a Chapter 13 bankruptcy?

BANKRUPTCY. What is the difference between a Chapter 7 and a Chapter 13 bankruptcy? BANKRUPTCY Bankruptcy means you ask the court to excuse you from your duty to repay your creditors. A person or business you owe money to is called a creditor. Bankruptcy allows you to discharge (get rid

More information

Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code

Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code A Publication of the Law Office of Richard L. Williams Williams Bankruptcy A Debt Relief Agency helping people eliminate debt and obtain relief under Chapter 7 of the Bankruptcy Code Tips for Questionnaire

More information

What You Should Know About Bankruptcy What Is Bankruptcy?

What You Should Know About Bankruptcy What Is Bankruptcy? FACTS FOR National Consumer Law Center What You Should Know About Bankruptcy What Is Bankruptcy? Bankruptcy is a process under federal law designed to help people and businesses get protection from their

More information

Your Guide to Past-Due Support

Your Guide to Past-Due Support Your Guide to Past-Due Support WI BUREAU OF CHILD SUPPORT Increased withholdings Interest charges Tax refund intercept Court actions Child support liens Federal actions Interstate cases What the paying

More information

What Is Small Claims Court? What Types Of Cases Can Be Filed In Small Claims Court? Should I Sue? Do I Have the Defendant s Address?

What Is Small Claims Court? What Types Of Cases Can Be Filed In Small Claims Court? Should I Sue? Do I Have the Defendant s Address? SMALL CLAIMS COURT What Is Small Claims Court? Nebraska law requires that every county court in the state have a division known as Small Claims Court (Nebraska Revised Statute 25-2801). Small Claims Court

More information

REQUEST FOR HEARING. Your Name: SSN: Address: Telephone: Employer: Telephone: Beginning Date Of Current Employment:

REQUEST FOR HEARING. Your Name: SSN: Address: Telephone: Employer: Telephone: Beginning Date Of Current Employment: REQUEST FOR HEARING If you object to garnishment of your wages for the debt described in the notice, you can use this form to request a hearing. Your request must be in writing and mailed or delivered

More information

YOUR LEGAL RIGHTS DURING

YOUR LEGAL RIGHTS DURING YOUR LEGAL RIGHTS DURING AND AFTER BANKRUPTCY: MAKING THE MOST OF YOUR BANKRUPTCY DISCHARGE Copyright April 2011, Legal Aid Society of Hawai`i All rights reserved. These materials may not be reproduced

More information

Improving a Credit Profile

Improving a Credit Profile Improving a Credit Profile Steps to improving a credit profile STEP 1. Order your credit Report STEP 2. Evaluate & develop a plan STEP 3. Is the personal information accurate? STEP 4. Are the tradelines

More information

TABLE OF CONTENTS. Introduction: Levy on Bank Accounts... 7610. Notice of Bank Levy... 7620. Levy Questionnaire... 7630. Exemption Notice...

TABLE OF CONTENTS. Introduction: Levy on Bank Accounts... 7610. Notice of Bank Levy... 7620. Levy Questionnaire... 7630. Exemption Notice... TABLE OF CONTENTS SECTION HEADING SECTION NUMBER Introduction: Levy on Bank Accounts... 7610 Notice of Bank Levy... 7620 Levy Questionnaire... 7630 Exemption Notice... 7640 Bank's Responses to Levy...

More information

Student Loan Collections

Student Loan Collections Student Loan Collections Click Here for Info on the Consolidation of Federally Guaranteed Student Loans Click Here for Info on the Consolidation of Private Student Loans If you're a Minnesota resident,

More information

BACK CHILD SUPPORT. The following is an explanation of how child support is ordered, and what happens if it isn t paid.

BACK CHILD SUPPORT. The following is an explanation of how child support is ordered, and what happens if it isn t paid. BACK CHILD SUPPORT Once it has been ordered and has not been paid on time, unpaid child support becomes a judgment by operation of law. The amount of child support that has not been paid on time is called

More information

Instructions Bankruptcy Forms for Individuals

Instructions Bankruptcy Forms for Individuals Instructions Bankruptcy Forms for Individuals U.S. Bankruptcy Court December 2015 (Rev. April 2016) About this Booklet of Instructions... 1 About the bankruptcy forms and filing bankruptcy... 2 Understand

More information

SEND ALL PAYMENTS TO: Chapter 13 Trustee 191 Peachtree Street, N.E. Suite 2200 Atlanta, GA 30303

SEND ALL PAYMENTS TO: Chapter 13 Trustee 191 Peachtree Street, N.E. Suite 2200 Atlanta, GA 30303 PUT YOUR CHAPTER 13 CASE NUMBER ON ALL PAYMENTS AND CORRESPONDENCE SENT TO YOUR TRUSTEE SEND ALL PAYMENTS TO: Chapter 13 Trustee 191 Peachtree Street, N.E. Suite 2200 Atlanta, GA 30303 This booklet was

More information

CIRCUIT COURT OF ILLINOIS. Sixth Judicial Circuit Champaign County

CIRCUIT COURT OF ILLINOIS. Sixth Judicial Circuit Champaign County Sixth Judicial Circuit Champaign County How to do a Wage Deduction Proceeding If you already have a money judgment against someone, you are the Petitioner. The other party, who owes you the money, is the

More information

Missouri Small Claims Court Handbook. The Missouri Bar Young Lawyers' Section

Missouri Small Claims Court Handbook. The Missouri Bar Young Lawyers' Section Missouri Small Claims Court Handbook The Missouri Bar Young Lawyers' Section TABLE OF CONTENTS I. INTRODUCTION TO THE SMALL CLAIMS COURT...1 Page II. THINGS TO CONSIDER BEFORE BRINGING A CLAIM...1 A. WHO

More information

Restitution Basics for Victims of Crimes by Adults

Restitution Basics for Victims of Crimes by Adults Restitution Basics for Victims of Crimes by Adults If you are the victim of a crime, you have a right to be repaid for losses that resulted from the crime. This booklet will help you understand: How to

More information

Consumer Bankruptcy in Florida

Consumer Bankruptcy in Florida Consumer Bankruptcy in Florida SOME INFORMATION ABOUT BANKRUPTCY People who are having trouble paying their debts sometimes consider bankruptcy as a strategy for resolving this situation. An individual,

More information

OLSEN, OLSEN & DAINES Chapter 7 Signing Form

OLSEN, OLSEN & DAINES Chapter 7 Signing Form Dear Client: OLSEN, OLSEN & DAINES Chapter 7 Signing Form After you have reviewed the bankruptcy petition we need you to CAREFULLY read the following, initial each paragraph and sign at the end. Be sure

More information

Child Support. Child support can be set one of two ways: through the Division of Child Support Enforcement (DCSE) or through the courts.

Child Support. Child support can be set one of two ways: through the Division of Child Support Enforcement (DCSE) or through the courts. Child Support Who has to pay child support? Under Virginia law, a parent who doesn t have physical custody of a child has a duty to pay child support. This person usually is called the responsible party.

More information

IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI

IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI MOW 2016-1.3 (5/22/07) IN THE UNITED STATES BANKRUPTCY COURT FOR THE WESTERN DISTRICT OF MISSOURI IN RE: ) ) ) Case No. ) ) Debtors. ) RIGHTS AND RESPONSIBILITIES AGREEMENT BETWEEN CHAPTER 7 DEBTORS AND

More information

The Process of Collection and Creditor s Rights in Bankruptcy. Jon D. Madison, Attorney at Law

The Process of Collection and Creditor s Rights in Bankruptcy. Jon D. Madison, Attorney at Law The Process of Collection and Creditor s Rights in Bankruptcy Jon D. Madison, Attorney at Law First Steps in Collection Process Demand Letter Some debtors may respond if it comes from a law firm, some

More information

Bankruptcy Questions. FAQ > Bankruptcy Questions WHAT IS CHAPTER 7 BANKRUPTCY?

Bankruptcy Questions. FAQ > Bankruptcy Questions WHAT IS CHAPTER 7 BANKRUPTCY? FAQ > Bankruptcy Questions Bankruptcy Questions WHAT IS CHAPTER 7 BANKRUPTCY? Chapter 7 bankruptcy is sometimes called a straight bankruptcy or a liquidation proceeding. The number one goal in an individual

More information

There are two options under the bankruptcy laws: a liquidation or a repayment plan.

There are two options under the bankruptcy laws: a liquidation or a repayment plan. When You Can't Pay Your Debts INTRODUCTION Financial difficulties can arise for many reasons, such as loss of a job, death of a breadwinner or too many credit card purchases. Money problems can be emotionally

More information

BANKRUPTCY (11 U.S.C. 1-1330) Office of the Staff Judge Advocate, Luke AFB, AZ, (623) 856-6901

BANKRUPTCY (11 U.S.C. 1-1330) Office of the Staff Judge Advocate, Luke AFB, AZ, (623) 856-6901 BANKRUPTCY (11 U.S.C. 1-1330) Office of the Staff Judge Advocate, Luke AFB, AZ, (623) 856-6901 WHAT IS BANKRUPTCY? Bankruptcy is a legal mechanism through which individuals may obtain relief from financial

More information

Bankruptcy: Is It the Right Choice for You?

Bankruptcy: Is It the Right Choice for You? Bankruptcy: Is It the Right Choice for You? Find more easy-to-read legal information at www.ptla.org Introduction This is to help you to understand some basics about the bankruptcy laws and rules. This

More information

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13

WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 WHAT YOU SHOULD KNOW ABOUT YOUR CHAPTER 13 YOUR TRUSTEE S NAME, ADDRESS, AND TELEPHONE NUMBER: Nancy J. Whaley Standing Chapter 13 Trustee 303 Peachtree Center Avenue SunTrust Plaza Garden Offices, Suite

More information

Fair Debt Collection Practices Act 1

Fair Debt Collection Practices Act 1 Fair Debt Collection Practices Act 1 The Fair Debt Collection Practices Act (FDCPA)(15 U.S.C. 1692 et seq.), which became effective March 20, 1978, was designed to eliminate abusive, deceptive, and unfair

More information

Evictions: Court Papers Received

Evictions: Court Papers Received Evictions: Court Papers Received Private LL-T, Section 8, HUD Buildings I. You Received Court Papers, Not Been to Court Yet. Always respond to court papers and read them carefully. If you miss a court

More information

Collecting Your Judgment: A Step-By-Step Approach

Collecting Your Judgment: A Step-By-Step Approach Collecting Your Judgment: A Step-By-Step Approach YOUR LEGAL RIGHTS Employees who win money judgments against their employers often need help collecting those judgments on their own or in court. This packet

More information

Notice to Delinquent Taxpayers

Notice to Delinquent Taxpayers Notice to Delinquent Taxpayers Department of the Treasury Alcohol and Tobacco Tax and Trade Bureau TTB P 5610.1 (1/04) Previous Editions are Obsolete NOTICE TO DELINQUENT TAXPAYERS INTRODUCTION When you

More information

VII 3.1. VII. Unfair and Deceptive Practices FDCPA. Fair Debt Collection Practices Act. Introduction. Communications Connected with Debt Collection

VII 3.1. VII. Unfair and Deceptive Practices FDCPA. Fair Debt Collection Practices Act. Introduction. Communications Connected with Debt Collection Fair Debt Collection Practices Act Introduction The Fair Debt Collection Practices Act (FDCPA), effective in 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The

More information

Debtor s Full Legal Name: Spouse s Full Legal Name: Other Names Ever Used: Email: Tel#: Cell#: Emergency Contact (name & number):

Debtor s Full Legal Name: Spouse s Full Legal Name: Other Names Ever Used: Email: Tel#: Cell#: Emergency Contact (name & number): Law Office of Jeffrey B. Kelly, P.C. Chapter 7 Chapter 13 Bankruptcy Questionnaire DEBTOR INFO: How did you first hear about my office? Office Location Debtor s Full Legal Name: SS# DOB: Spouse s Full

More information