Creditors and Bankruptcy - Credit/Debt Management - Shopping

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About Regan Shinski
(Top Expert on this page)

Expertise
I can answer questions on collections, repossessions, bankruptcy, credit repair, credit counseling, FICO scores, credit planning, and the cause and effect of credit related decisions. I can also answer questions on collection settlements and preparing to sue your creditors for false debts and credit reporting.

Experience
Fifteen years ago I was financially devasted due to severe health issues. I filed bankruptcy, had a foreclosure, car repossession, tax lien, and ruined credit. I immersed myself in credit law. I settled dozens of accounts and had them removed to improve my credit. I personally sued four creditors and collection agencies and won cash settlements for their false reporting on my credit reports. Since then, I have completely recovered and have nearly $100,000 in revolving credit lines and perfect credit. I have owned a credit repair company for the past five years and have an additional three years of specific work in the collections and debt management industry. I am fully versed in the Fair Debt Collection Practices Acts (FDCPA), Fair Credit Reporting Act (FCRA), and have used them successfully in collection settlements and lawsuits for myself and others. I am also familiar with and abide by the Credit Repair Organizations Act (CROA). I have deleted or helped delete literally hundreds and hundreds of derogatory items from consumers' credit reports and helped negotiate many settlements with collection agencies and creditors. I have also advised people on bankruptcy at any stage. In the current credit market, I have successfully advised numerous people on how to obtain credit and how to negotiate for better terms.

Education/Credentials
BA - University of Minnesota

Past/Present Clients
(private)

You are here: Experts > Shopping > Credit/Debt Management > Creditors and Bankruptcy

Questions Answered By Expert Regan Shinski
In Category Creditors and Bankruptcy

Subject	Date Asked

bank levy on medical bill	11/13/2009
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 ...
being sued for medical bills HELP!!!	11/11/2009
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 ...
bankruptcy	11/10/2009
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 ...
how often need to use card?	11/8/2009
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 ...
automatic judgement	11/6/2009
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 ...
1099C	11/3/2009
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 ...
Being sued - bankruptcy?	11/1/2009
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 ...
cosigner of car loan	11/1/2009
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 ...
chapter 7	10/29/2009
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. ...
t mobile bill	10/22/2009
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 ...
Credit Card Rejection	10/21/2009
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 ...
buying a car after bankruptcy	10/18/2009
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 ...
Lender's Rights?	10/15/2009
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. ...
Salle Mae Career Training loans	10/14/2009
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 ...
Creditor Contempt Of Court	10/13/2009
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 ...
Creditor Contempt Of Court	10/12/2009
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 ...
Credit Card debt - Negotiating relief	10/8/2009
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. ...
Surrendered Vehicle in Bankruptcy	10/8/2009
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, ...
How to approach suing a creditor	10/6/2009
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 ...
credit dispute	10/1/2009
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 ...
Calls after BK discharge	9/30/2009
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 ...
credit education	9/29/2009
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 ...
Home equity loan	9/27/2009
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 ...
credit dispute	9/27/2009
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 ...
Should I dispute an entry in my credit report?	9/27/2009
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 ...
credit dispute	9/26/2009
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 ...
loan company harassment	9/25/2009
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 ...
Foreclosure	9/23/2009
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 ...
harassing calls after bankruptcy discharge	9/23/2009
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 ...
harassing calls after bankruptcy discharge	9/22/2009
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 ...
harassing calls after bankruptcy discharge	9/22/2009
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 ...
Annual Percentage Rates	9/21/2009
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 ...
Collection agency calls	9/18/2009
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 ...
default on loan	9/18/2009
Q: I bought a F-150 in June of this year for 28K,everything was fine when I bought it and now things ... A: Sorry you are in this situation, but certainly you are not alone! A repossession is very bad for ...
Inheritance when claiming bankruptcy	9/16/2009
Q: My wife's cousin would like to know what she does if she is currently claiming bankruptcy and has an ... A: Unfortunately, the answer is "it depends." It depends greatly on the state, how the inheritance is ...
Bank calling about loans 1 day late	9/16/2009
Q: I'm in the middle of a nightmare, so my question may be long-winded because of my frustration! We ... A: Holly: If it is as you say, you can only be forcibly removed from your house through the ...
Bank calling about loans 1 day late	9/15/2009
Q: I'm in the middle of a nightmare, so my question may be long-winded because of my frustration! We ... A: I am so sorry for everything you have been through. Cheer up, it will pass :) I had so many ...
Timing of BK	9/14/2009
Q: It would not allow me to submit a follow-up, so sending this as a new question. Is there a timing ... A: The timing shouldn't matter other than your attorney may need to file an amended petition. I am ...
Bankruptcy - Unsecured or Secured Debt?	9/13/2009
Q: I'm not sure if you can answer my question but hoping you can. My father just recently filed for ... A: There are a lot of factors at play here, so you really need an attorney that is on top of this. If ...
Bankruptcy - Unsecured or Secured Debt?	9/13/2009
Q: I'm not sure if you can answer my question but hoping you can. My father just recently filed for ... A: I know you asked a couple questions quickly, so be sure to read both answers. They kind of overlap. ...
Bankruptcy - Unsecured or Secured Debt?	9/13/2009
Q: I'm not sure if you can answer my question but hoping you can. My father just recently filed for ... A: Whether or not the mortgage is secured or unsecured depends on if it is secured by the home. Say ...
Bankruptcy - Unsecured or Secured Debt?	9/13/2009
Q: I'm not sure if you can answer my question but hoping you can. My father just recently filed for ... A: There are so many variables here it hard for me to say with certainty. What stage the foreclosure ...
Collection letter	9/12/2009
Q: I received a collection letter from Allied Interstate ,out of Southgate, Mi concerning a credit card ... A: You have a few options depending on how aggressive you want to be. First, you can do nothing. In ...

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