So, my husband and I filled chapter 7 last year. We did this to try to save our home, by then following it up with a modification. Well, the bank says that they did not receive the paperwork, so I am trying like crazy to get another set of paperwork filled out and faxed in. My question is, my credit report says that our Mortgage was included in our bankruptcy, but it doesn't say that it was / is discharged? Is it to late to save our home? My husband has put so much work into remodeling it, it just would be heart breaking to both of us to lose our first home together as a family.

Hi, I got a letter from Asset Acceptance saying they would place my account with an attorney in my area, but that no attorney has been notified at this time. The debt is 1090.68,which is mostly interest. The debt is over 3 years old. I was unable to pay this because of divorce. I do not make much money,and barely make it. The SOL in Texas is 4 years. Even if they take me to court, I still can not pay. And I have heard that trying to make payments is a joke with them. all kinds of things can happen. Could this be a scare tactic from them? What is the first thing I should do?

Hello, I'm a cosigner on a student loan. I have come to the reality that my friend I cosigned for isn't paying so I pay. Since I have been paying, I have continued to receive harassing phone calls and messages saying the loan hasn't been paid. I check my bank account and can see where the check has been cashed by the loan company! This has happened several times. I write the name of the person I cosigned for AND the account number on the check. Please help. I contacted the BBB and they didn't do much. Something else has to be done.

If Chase agreed to do a shortsale of my home in 2011 and the buyer paid $142,500 and they cancelled $20k of the debt, shouldn't the FMV on the 1099-C be $142,500? They put FMV of $185k which was what I bought it for in 2005 and I owed $151k at the time of the short sale.

Currently defending a lawsuit from American Express Bank FSB. Called Amex support # recently and when entering the account # the automated message resported that the account is no longer handled by them and is handled by American Recovery Services Inc (ARSI). Does anyone know the best way to confirm that the debt was actually sold to ARSI? I believe it's quite possible that the attorney representing Amex is really representing ARSI but need confirmed proof before claiming that in court. Summ. Judgment hearing is in 3 weeks so trying to see if there's a quick way to do this. Thanks.

Hi everyone, In my previous post, I mentioned about receiving a call from FTC. I have been in contact with the FTC paralegal and lawyer. They are interested about the Ameriloan case and I mentioned about this website. Is it ok for me to forward this website to them for further inquiry? People who are interested for a possible law suit in the future, please reply in this thread..

I too would like to know what the Step-parent's liability is when the spouse wants to sign a PLUS or student loan for his daughter who is going to an institution that we "can't afford". We have been married 11 years. My husbands ego gets in the way and wants his child to go to a school that he can boast about. His divorce decree (prior marriage) indicates he and his ex have to split college costs. His ex says that she will not be paying for any college as she has been unemployed for 5 years and lives with a boyfriend for 7 years.

I recently sent a ACH revocation letter to two payday lenders. I tried to log in to my account on each site today, just to see if anything had changed, and this message appeared: "We are sorry that we are unable to access your account at this time. If you need assistance, please contact us at....". Do you think this means they have complied or is this a precursor to them maybe trying to steal more money in the future?

I have a credit card with Bank of America that I currently owe $680 on. It's 90-120 days past due. They emailed me on the 15th and offered to settle the account for $517. That's about 75% of the owed balance. It says the offer "may expire" if I don't act by 2/29. They also offered this to me the month before (I think it might have been a little hire amount to settle.) My question is, how long do I wait for them to go lower? Or, do I call them and try to offer a settlement now, before the 29th?

hi I used to live in the USA, but in 2009 i returned to my home coutry and left behid a credit card debt. what are the legal consequences to me? i still have an USA visa and might get back to the usa. i have no pay iff off, nor my wages are received at any american bank can i get arrested or deported at the immigration?