I'm about to file for bk, but wasnt going to attempt my private student loan. However, the loan is now sold to a collection agency and closed at the student loan co. Does this make it any easier to get discharged? At this point, wouldn't the fight just be against the collections agency and not the loan...

November 28, 2011


WASHINGTON — “This is the strangest statute I have ever seen,” Chief Justice John G. Roberts Jr. said near the end of a Supreme Court argument on Monday.

The justices had spent most of the previous hour trying to puzzle out the meaning...

In August 2010 I filed bankruptcy. It was discharged in November 2010.

I included 2 Chase cards in my BK matrix (I filed pro se). One of those Chase cards was originally a Providian Card, which became Washington Mutual, which became Chase in 2009.

All of my numerous credit...

i thought some may like to read the following findings of this decision pertaining to bank of amercia's little slap on their big fat fingers:





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Debt collector who built fake court room files for Chapter 13 bankruptcy, read Michael J. Covatto’s bankruptcy documents.......

The now infamous debt collector with the fake court room has become a Chapter 13 bankruptcy debtor himself. After facing a lawsuit by the Attorney General of...

With the help of this forum and Nolo, I filed successfully on 3/11...
Prior to the filing date I received 2 summons from two law firms representing Cap One and Citibank.
I did file an answer within 30 days on both and still these two firms have continued to move forward with these...

I received notice from the Court stating that a default judgement had been won by the creditor against me.
From the creditor's lawyer I had received a letter offering a settlement amount of 40% The letter stated I had 25 days to respond to the offer with a payment. On day 12 of the 25 days,...

Hi everyone! Hope you all had a great holiday.

I need some advice on how to handle this. Receiving phone calls from collection attorney for Case #3.

Little background on case #3:
Sued by Cap One
Answered summons
Went thru discovery phases (received...

In early 2007, I had 2 Cap1 cc's charge-off. By the way, last payment on these accounts was prior to this. The last credit card agreement stated that the laws of Virginia would apply to the CC agreement, including any default. Virginia has a 3 year SOL on such accounts. I posted a while back that there...

Filed Chapter 13 on 09/14/10. Hospital bill was listed as a creditor, and served notice of the BK filing. Hospital has been mailing me statements, and last month, threatened to turn us over to collections. I have forwarded all responses to our attorney. Today, I received a letter from a collection...

Hello. I am new to this forum.

Now that the holidays are here, I am getting on the verge of losing my mind with the ongoing collection calls and collection letters, so I was just wondering do you think I would have any luck answering all of the calls, pretending that I am a family friend...

I stopped paying on all my cards in September. Inevitably, I started getting the phone calls from creditors. I plan on filing chapter 7 in February. I wanted to get some input on whether the calls will get more intense before I file, or is this is bad as it gets. I have most of the calls blocked on...

Back in July or thereabouts, I finally managed to go to my gym, after having made periodic calls on the matter over the last month or so, to submit the paperwork to suspend my membership. I understood that the suspension process was used to halt payments without canceling.

If it was in...

I just received word from a previous college that I attended that my Perkins Loan has been in default and has been sold to a collection agency!
I don't have the money to pay it off and this frightens me because I had plans to go back to school, but because this is in default, I can't get any...

What are the available remedies when a creditor violates the automatic stay, e.g., by continuing to attempt to collect on debts listed on Schedule F of a Chapter 13 filing, or by continuing to take automatic payments to apply toward a debt listed on the same Schedule F?

In other words,...