after filing chapter 7 bankruptcy in NY, can a 9-11 lawsuit award be garnished

Got a call from this # - 520 293 2596 - on my caller ID on Saturday, at 8:30 in the morning. I'm on the East Coast and this is an Arizona Area Code. I know very well that no legit business would be calling me that early from Arizona! Did a search of the number and - you guessed it - apparently it's a bottomfeeder collector/PDL. These people are coming out of the woodwork anymore, aren't they? :( Anyone else had a call from this #?

I have a line of credit with BOA that is 6 payments past due. I'm in their hardship program and have been paying my payments on time for several months. The problem is that I cannot pay this month. I am 8 months pregnant and had to go out of work early. My account got so far behind because I was unemployed for a year and even during that time, I attempted to make payments as often as possible. I was told when I called in that if I missed anything else, my account would get charged off. Should I let that happen? Should I asked to talk to someone about settlement? What are my options?

Hi have just been reading as much as I can on the forum while I try to figure out what to do. I live in Alabama and right now I have 8 online pdls and 2 storefronts (which I'm not having a problem with) but the onlines are killing me. Every two weeks the fees alone are eating up my check and it seems I have to take out one more just to pay bills. I've tried working extra hours and have cut out buying anything but the basics and still cant get out from under!! I've tried to understand the laws regarding pdls in Ala.

I bought my home back in 2009 using a VA loan. The present interest rate on the loan is around 5%. My current credit score is 590. Since the mortgage rates are quite low nowadays, so should I refinance my loan?

Can anybody tell me the total number of Chapter 13 bankruptcy filed in 2010?

I received a summons from GE Money Bank about a couple days ago. I really don't know what to do and not sure how to handle this. It says this is an attempt to collect a debt, the communication is from a debt collector and any information obtained will be sued for that purpose. It also says an answer or other appropriate response in writing must be filed in Court by you or your attorney (which I don't have or can afford) within 20 days or a judgment by Default may be rendered against you for the relief demanded by the plaintiff.

I took out a payday advance of $150, and I want to pay them back now, but somehow I lost their number and I dont know what company it was, all I saw was "sds processing"...please help?

I haven't obtained or used credit cards in about 4 years. I haven't made any payments in over 3 years and haven't spoken to any of the collection agencies that have called in 3 years. I believe all of my negative accounts are credit cards I applied for online. I've lived in AZ for the last two years. Are credit cards always considered Open Ended Accounts? 3 years is the SOL for credit card debts of an Arizona resident without a judgement, correct? And what is the difference between a revolving account and an installment account on an experian credit report?

I had applied for a loan modification approximately 8 months ago with Chase due to falling behind on my mortgage payments. I had some medical bills regarding my son that caused me to fall behind. I am behind abnout 12k. I have been making the modified payments and was advised that my application was now with the underwriters. I received a letter in the mail the other day from Chase stating that I was being offered a loan forbearance. I will call them tomorrow but I'm not really sure what this is.