Debt Collection

In Michigan the debts of the deceased are the responsibility of the estate. Anyone that was also a co-signer on any of the agreements might also be responsible. Consult a probate attorney in Michigan for help.

We were granted a chapter 13 over a year ago in which we surrendered out house. The lender, GMAC, has not sold the home, but keeps putting if on the market and taking it off. No one has lived there for the last two years, yet our HOA still expects us to pay for the road maintenance fees - even though we no longer even drive there or live there.

Is this right? What can we do?

Sorry, but when I tried to enter this in as a question, it kept cutting me off after just the first two sentences.

In many cases they will be held responsible. They are deemed to have benefited from to goods and services.

It may be advisable to drop their name in to a search engine. At this time there are MANY reviews posted online by others who have had bad experiences with onlineticketexpress.

Onlineticketexpress advertises (and states in its terms and conditions) that tickets are shipped 3 to 5 days before the event. However, onlineticketexpress customer service tells customers that they only ship 1 to 2 days before the event. This is a fraudulent policy on its face. The company habitually violates its own terms and conditions!

You can report onlineticketexpress.com to the UK government at:

http://www.actionfraud.org.uk/report_fraud

http://www.tradingstandards.gov.uk/

Unfortunately onlineticketexpress is located in Barcelona, but enough complaints could stop the company from operating in the United Kingdom. It may also be possible for you to prosecute and get some of your money back, in the event that onlineticketexpress failed to deliver as promised.

There are many scams out there at the moment which appear to be legitimate organisations. Its always wise to pay with a credit card and then you can try and claim back any payment if its a fraud. Seek out and use a different company in ticket purchase; in particular it would be safest to find one that people have used a number of times, since some scams may sell a few tickets in order to get some great on line reviews and then fail to actually send anymore.

American Express

If you are now married, your dealings are entwined. If she has passed away, the debts of the deceased are the responsibility of the estate. Anyone that was also a co-signer on any of the agreements might also be responsible. Consult a probate attorney in your jurisdiction for help.

If your creditor has obtained a judgment against you, yes.

The lender can go after you for any deficiencies and the foreclosure will be reported on your credit record. As a co-signer you are equally responsible for paying the mortgage.

No.

However, some states and countries apply a "communal property" rule, which means that even though they cannot sign on the account, the spouse has joint ownership of cash in the account by law.

Some U.S. states allow a judgment creditor to garnish private pensions. The best option for a person who is in a situation where garnishment is possible is to obtain the advice of a qualified attorney,

ProTitleUSA will help you in this matter on a professional level!

Indirectly, the spouse is going to pay the debts, either by a smaller inheritance or as a beneficiary of the goods and services purchased by the spouse. The estate of the deceased is responsible for the debts.

Yes, if the creditor chooses to sue the borrower and receives a judgment award the borrower's wages can be garnished.

Please be advised, once a lending contract has been defaulted the lender can take whatever action they choose, the fact that they may accept a lower payment then originally agreed on does not mean they cannot pursue a lawsuit.

The Consumer Credit Act of 1974 (CCA-1974) provides a basis for all laws associated with non-payment of unsecured debt by consumers. The Consumer Credit Act of 2006 (CCA-2006) modifies portions of the CCA-1974 by providing consumers with more protection from creditors.

In summary, if one does not pay their unsecured debt in the UK:

* Banks will make all attempts to collect the debt

* If unsuccessful, based on the amount, the bank may apply to the court for a County Court Judgement (CCJ)

* Upon receiving a CCJ, the debtor will have difficulties getting ANY credit for the next seven (7) years

* As a result of the CCJ, depending on the amount owed, the debtor may receive an attachment of earnings order where part of your earnings are diverted to the court (to be paid to the lender)

* As a result of the CCJ, depending on the amount owed and if the debtor owns their home, the debtor may receive a charging order which converts unsecured debt to secured debt which allows one's home to be sold for recovery purposes

* As a result of the CCJ, depending on the amount and unlikely, the debtor may receive a bailiff's order, allowing a bailiff to take possession of items in your home to be used (once liquidated to cash) to pay the lender

Your brother's estate is responsible for payment of his debts. If there is no estate then his creditors are out of luck. You could send any bills back along with a copy of his death certificate.

Many people do. An advisor can tell you what options are open to you. You can then make an informed decision

That is a decision made by the lender. It might be possible depending upon the circumstances. For example, the offer made to pay off the vehicle loan is a larger amount than the lender would receive by making a claim against the estate of the deceased.

For California, look in court forms web site and look for judgment exceptions to garnishment. I would do an attachment, but this is not an email.

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You cannot get blood from a stone. If you owe on an unsecured debt then that is that. In some states they do have some aggressive collection laws but if you have nothing then what can they take. You need to look into bankruptcy if your state does not have enough consumer protections to keep you from loosing your sanity.

I sold my home with contract for deed tenant not making any payment who i can get back my home who i can evict him from my home

that depends on your state laws if minors are liable for such lawsuits.

Legally, a minor cannot have a credit card. They are not old enough to sign a binding contract. If one was issued to them, it is either because of a mistake, or the parents also signed. If the parents signed, they can be held responsible for the debt.

Consult an attorney that knows the laws of your state.

Yes, if they file suit and receive a judgment the creditor can execute the judgment as a lien against the debtor's property.

No. Wages can only be garnished in very few situations and by the government-like for back child support. He would have to have a court order to garnish your wages for anything. else. The article below explains the instances in which wage garnishment is allowed more specifically.

Name, SSN, Address or other verification of debt.