Please note that I do not answer Private questions. All questions related to consumer and business bankruptcy, debt management, and personal finances are welcome. Serving clients in the DC-metropolitan area since 2005, I am licensed in Virginia and the District of Columbia. I have provided counsel to hundreds of clients with a wide variety of complex legal and financial issues. Feel free to visit my All About Bankruptcy blog for more information.
Serving clients in the DC-metropolitan area since 2005, I am licensed in Virginia and the District of Columbia. I have provided counsel to hundreds of clients with a wide variety of complex legal and financial issues. * Bankruptcy Chapter 7 * Bankruptcy Chapter 13 * Bankruptcy Chapter 11 * Bankruptcy Terms * Foreclosures * Mortgage Issues * How to Save Your Home * How to Rebuild Your Credit * Property You Can Keep * Car Repossession * Debt Test * Tips for Consumers in Debt * What to Expect in Court * Washington, D.C., Exemptions * Virginia Exemptions * Checklist of Key Changes in Bankruptcy Law * Changes in Chapter 7 & 13 Bankruptcy Law * Big Changes in Bankruptcy Law
DC Bar, VA Bar
I am a graduate of Rutgers University and the George Mason University School of Law.
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Ah, CACH . . . yes, my experience with them is that they are not overly-concerned with procedural integrity. Based on the facts as you state them, service can be challenged, and the default judgment likely
I understand, however threatening to sue is not the same as actually doing so. I would personally be outraged if my bank wanted me to pay for purchases, let alone someone else's sex toys. If it were
$296.23? That is some sex toy. You must threaten to sue Chase in writing by certified mail to their fraud department (call for the address), then follow up with them by phone, likely several times
No, you're right, that doesn't make sense. Sometimes I include smaller creditors when I am not sure whether my client's debt has been sold, charged off, or is just being serviced by another entity.
Your wife can include the mortgage (in fact, she must include it) and choose not to reaffirm, however I have never heard of a "default" fee. I would consult with a local attorney about getting that waived
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