| Subject | Date Asked | Expert |
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| disabled vet and credit card vet | 11/23/2009 | Regan Shinski |
Q: I am a disabled veteran, 100% unemployable, three of my credit cards have been raised to 32%apr and ...
A: Those assets are only at risk if they sue you and get a judgement against you. Even then, they can ...
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| bank levy on medical bill | 11/13/2009 | Regan Shinski |
Q: i nearly died form stork in march and had no insurance can an attorneys office levy my bank acct for ...
A: I'm sorry for your medical issues. I hope you are doing better :) Potentially they can eventually ...
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| being sued for medical bills HELP!!! | 11/11/2009 | Regan Shinski |
Q: I live in central KY.In February i was served with a summons for medical bills in the amount of ...
A: Very confusing and difficult situation. First, if the same thing happens and they don't show up ...
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| charge offs by a bankrupt bank | 11/11/2009 | Ontrack Financial Group llc |
Q: if a bank does a charge off on a credit card than the bankreceives tarp moneyand later files for ...
A: The TARP, bankruptcy, and selling of the debt has zero impact on the contract. The established ...
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| bankruptcy | 11/10/2009 | Regan Shinski |
Q: My 05 Nissan altima is being reposed on the 14th of this month. My payoff is still 19,000 after 19 ...
A: After the repossession, they will sell the car in a "commercially reasonable manner." This is ...
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| how often need to use card? | 11/8/2009 | Regan Shinski |
Q: You recently advised me that I have a 'thin file' and it would be good to get another credit card, ...
A: It won't LOWER your score not using it but you want to be sure you use it at least once in this ...
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| automatic judgement | 11/6/2009 | Regan Shinski |
Q: A credit card debit judgement enter against me on Oct 14 2009 claiming that I did not answer summons ...
A: I am assuming you mean you have a default judgement against you. This is usually the case if the ...
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| credit cards | 11/6/2009 | Ontrack Financial Group llc |
Q: I have had a credit card for many years. I worked hard to reduce the APR rate to somehwere around ...
A: Welcome to the world of deceptive credit card practices. Yes the credit card company can (for a ...
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| Current Car Loan | 11/4/2009 | Ontrack Financial Group llc |
Q: I have a car loan that is current, I pay it every month. I have a 10 day grace period to pay it if ...
A: Yes, the company is allowed to contact you if the payment is a day past due. They can not however ...
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| 1099C | 11/3/2009 | Regan Shinski |
Q: I am in the middle of working out final details for settlement in full with Wells Fargo Auto Finance ...
A: Likely not with a big company. The 1099c is obviously a tax document. They send those for their ...
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| credit overlapping | 11/3/2009 | Ontrack Financial Group llc |
Q: i am 19 Ayers old i have no credit cards and no car loan. the reason is because my mothers bad ...
A: Please follow this link below to answer your question. The information will provide you with the ...
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| Being sued - bankruptcy? | 11/1/2009 | Regan Shinski |
Q: I have over $10,000 in debt(the one I am being sued for is $1700). I have not spoken with any of my ...
A: If you are certain both of you will be filing and can qualify for the chapter 7 means test whether ...
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| cosigner of car loan | 11/1/2009 | Regan Shinski |
Q: my x husband was awarded all rights and responsibility of his 2006 car in our divorce, it is ...
A: No. He can't have it both ways. He either has to pay for it or give up the vehicle if your name is ...
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| chapter 7 | 10/29/2009 | Regan Shinski |
Q: I have a sallie Mae loan as a student loan and a loan with the cooking school I attended and ...
A: Sorry to say "No." If a debt is not dischargeable in bankruptcy, then the interest is not either. ...
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| t mobile bill | 10/22/2009 | Regan Shinski |
Q: "hi I have a outstanding bill with t mobile that i cannot afford to pay as i am currently unemployed ...
A: You asked for the worst case scenario. Here you go: First T-mobile may report it on your credit ...
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| Credit Card Rejection | 10/21/2009 | Regan Shinski |
Q: I recently applied for a store credit card and my application was rejected. The letter said it was ...
A: What will show up on your credit reports is a hard inquiry. This simply shows that you applied for ...
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| buying a car after bankruptcy | 10/18/2009 | Regan Shinski |
Q: My husband and I filed late July, had our credit meeting late August and are currently waiting for ...
A: Vi: I can't answer when the discharge would happen because there are just so many factors. I'm not ...
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| Lender's Rights? | 10/15/2009 | Regan Shinski |
Q: Some months back, I'd made the horrible error of loaning to a person, whom I thought was my friend, ...
A: There are only certain debts that CANNOT be discharged (eliminated) through a chapter 7 bankruptcy. ...
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| Salle Mae Career Training loans | 10/14/2009 | Regan Shinski |
Q: My wife and I are looking to file bankruptcy soon. we have met with two different lawyers and and ...
A: Jason: The law was amended in 2005 to say private student loans cannot be discharged unless the ...
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| Credit Scores | 10/14/2009 | Ontrack Financial Group llc |
Q: I have a judgement that will be wipe out/deleted from my credit report in April of next year. I ...
A: While we understand your question, we feel your getting ahead of yourself at this time. The ...
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| Creditor Contempt Of Court | 10/13/2009 | Regan Shinski |
Q: My wife filed Bankruptcy on June 30, 2008. I did not at the time because I had only 7 years between ...
A: If it is as you say, they may have violated the stay. Not even may - they did. After the filing and ...
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| Creditor Contempt Of Court | 10/12/2009 | Regan Shinski |
Q: My wife filed Bankruptcy on June 30, 2008. I did not at the time because I had only 7 years between ...
A: I am sorry to say that I believe your case is not strong. You may have a minor technical violation ...
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| Credit Card debt - Negotiating relief | 10/8/2009 | Regan Shinski |
Q: Here's our dilemma: We own a home and can afford to make our payments. Our monthly expenses are ...
A: I'm not exactly sure what you are asking because you said you can currently make all the payments. ...
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| Surrendered Vehicle in Bankruptcy | 10/8/2009 | Regan Shinski |
Q: I surrendered my vehicle during my bankruptcy proceedings, and the bank after 1 year is still ...
A: The first step is to send a dispute letter to each of the three major credit bureaus - Experian, ...
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| How to approach suing a creditor | 10/6/2009 | Regan Shinski |
Q: How would I file in court to get a order to have my credit corrected? I have read on-line about ...
A: Your case seems complicated but sound. I'm hoping it is well documented - meaning you have hard ...
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| credit dispute | 10/1/2009 | Regan Shinski |
Q: EVEN IF THE CREDITORS CORRECT THE ACCOUNT THAT I DISPUTED CAN I STILL BRING BANKRUPTCY VIOLATION OF ...
A: Larger institutions like Capital One can be difficult and stubborn. It sounds like you have a ...
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| Credit card debt | 9/30/2009 | Ontrack Financial Group llc |
Q: I am living, I have a 7 credit cards the highest 10750 the lowest 3250 I have difficulty to make the ...
A: Sergio, A statute specifying the period of time within which legal action must be brought for ...
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| Calls after BK discharge | 9/30/2009 | Regan Shinski |
Q: I filed BK on 3-30-09 and discharged 7-15-09. We had a Home Equity Line of Credit with National ...
A: For the purposes of this reply, I will assume the creditor has violated bankruptcy law. How ...
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| credit education | 9/29/2009 | Regan Shinski |
Q: as many are, i am going through a tough financial time. i do not want to be taken advantage of or ...
A: My knowledge is through experience and education but nothing specific - just 10+ years of monitoring ...
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| Home equity loan | 9/27/2009 | Regan Shinski |
Q: I bought my house in 2001 for $265,000. When the infamous real estate boom was at its prime I made ...
A: I'm sorry to hear you and so many others are in a similar state with their homes. I'm not sure I ...
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| credit dispute | 9/27/2009 | Regan Shinski |
Q: EVEN IF THE CREDITORS CORRECT THE ACCOUNT THAT I DISPUTED CAN I STILL BRING BANKRUPTCY VIOLATION OF ...
A: If it is as you say, I think it's a fairly egregious violation of the bankruptcy laws. Like I said ...
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| Should I dispute an entry in my credit report? | 9/27/2009 | Regan Shinski |
Q: I had a Chapter 7 bankruptcy discharged in July 2004. My credit score is okay considering the ...
A: I would. Based on what you are saying there is no down side to doing so. I would dispute them as ...
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| credit dispute | 9/26/2009 | Regan Shinski |
Q: EVEN IF THE CREDITORS CORRECT THE ACCOUNT THAT I DISPUTED CAN I STILL BRING BANKRUPTCY VIOLATION OF ...
A: It's possible. However, if it was a simple error that they corrected, you will likely not win. A ...
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| loan company harassment | 9/25/2009 | Regan Shinski |
Q: How by law can i get a loan company to stop calling and harassing me?..thank you
A: It's going to be a tough road. First, this reply assumes you are talking about a first-party ...
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| Foreclosure | 9/23/2009 | Regan Shinski |
Q: Daughter filed chapter 13. She has fallen behind in her mortgage payment by three months. THE BANK ...
A: The bank will likely file a motion with the bankruptcy court to remove the automatic stay. The stay ...
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| harassing calls after bankruptcy discharge | 9/23/2009 | Regan Shinski |
Q: IN AUGUST OF 2008 I RECEIVED MY DISCHARGE PAPERS FOR CHAPTER 7 BANKRUPTCY. IN NOVEMBER 2008,I ...
A: If the account was DISCHARGED through chapter 7, they should not contact you. Not necessarily the ...
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| harassing calls after bankruptcy discharge | 9/22/2009 | Regan Shinski |
Q: IN AUGUST OF 2008 I RECEIVED MY DISCHARGE PAPERS FOR CHAPTER 7 BANKRUPTCY. IN NOVEMBER 2008,I ...
A: Sorry. I re-read your initial question and didn't get that harassment is going to be a major ...
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| harassing calls after bankruptcy discharge | 9/22/2009 | Regan Shinski |
Q: IN AUGUST OF 2008 I RECEIVED MY DISCHARGE PAPERS FOR CHAPTER 7 BANKRUPTCY. IN NOVEMBER 2008,I ...
A: For the purposes of this answer I will just take your word (and it seems correct) that the creditor ...
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| Annual Percentage Rates | 9/21/2009 | Regan Shinski |
Q: I'm not sure whether or not you can answer my question, but I'll welcome your reply. On my credit ...
A: My understanding is that "nominal ANNUAL percentage" and "annual percentage" are the same - as ...
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| Collection agency calls | 9/18/2009 | Regan Shinski |
Q: My dad just passed away and was the primary caregiver for my mother who has Alzheimers, she is now ...
A: Sorry for the awful news and the burden you are carrying. You should tell them the truth. Who is ...
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