Bankruptcy

Are You Buried Beneath Credit Card Debt?

Author: Pati Murdock|Posted on: April 20, 2018

The average American household had $15,983 in credit card debt at the end of 2017, according to NerdWallet, the personal finance website. And more people are paying off medical bills with credit cards, pushing that debt up. Overall, NerdWallet says, Americans’ credit card debt climbed 7 percent from 2016 to 2017. With interest rates expected… Read More

Holly Martin

What Are My Options for Hospital Debt?

Author: Holly Martin|Posted on: May 23, 2016

I received a summons to appear for a hospital debt. What are my options? I’m unemployed with zero income. What should I do? I don’t own a home. Have a huge car payment and cost of living to try and afford. Anytime you have been sued, the creditor is coming after your paycheck or your bank… Read More

Holly Martin

Bankruptcy Filers Continue to be Targeted

Author: Holly Martin|Posted on: November 6, 2015

The National Association of Consumer Bankruptcy Attorneys (NACBA) is urging members to remain in communication with present and past clients regarding bankruptcy “con-artists” posing as attorneys. Over the past few weeks, NACBA has issued a consumer bulletin and been in contact with the courts and media regarding this well orchestrated scam. Warnings have been issued by the… Read More

Holly Martin

Breach of Contract for Returning a Car

Author: Holly Martin|Posted on: April 19, 2015

Can I be found guilty for breach of contract for giving a car back to the car lot that I could not pay. The pre-owned car was sold to me at more than twice its value and was sold at auction after I gave it back. What you are describing here is called a voluntary… Read More

Holly Martin

Filing Chapter 7 Bankruptcy and Securing a Car Loan

Author: Holly Martin|Posted on: April 19, 2015

If I file Chapter 7 and able to secure a reasonable loan that pays off in 48 months, would this affect my discharge? Also why do creditors want to wait until your chapter 7 341 meeting before they finance to you. I thought you can’t add anything to your bankruptcy after you file in chapter… Read More

Holly Martin

If I File for Bankruptcy, and I Have a Show Cause Hearing Schedule Can I Still be Found in Contempt?

Author: Holly Martin|Posted on: April 19, 2015

So I have been told by a couple of lawyers that if I file bankrupt before my show cause hearing for a judgement/wage garnishment for a car I sent back, that I still have to go to court, because if I don’t, the court can issue an arrest warrant, but that the judge can not… Read More

Holly Martin

Can Wages be Garnished without being Served in Arkansas?

Author: Holly Martin|Posted on: March 22, 2015

When a car repo tried to serve me they couldn’t find me. I had moved out of state. I moved back several months later and I received an email from my payroll stating they received a writ of garnishment. Is this legal? In Arkansas the steps are this–first a lawsuit, then service, then a judgment, then… Read More

Holly Martin

The Need for Complete Honesty When Filing for Bankruptcy

Author: Holly Martin|Posted on: March 17, 2015

What do you need to disclose when you decide it’s time to file for bankruptcy? One word says it all: Everything. A mistake people sometimes make when filing for bankruptcy is not listing every possible creditor, or trying to hide property or other assets. Maybe you are unsure whether an inheritance you have not yet… Read More

Holly Martin

What Can We Do if a Company has Filed a Complaint with IC3 Against Us That is Not True?

Author: Holly Martin|Posted on: February 17, 2015

We received an email (my email, but addressed to my husband) that said he had defaulted on a payday loan by a company American Cash Advanced. They want us to go to Walgreen’s, purchase a money card and fax them the information in the amount of $300. If we don’t do this by Friday, a… Read More

Holly Martin

If I Filed for Bankruptcy, Would I Lose My Car?

Author: Holly Martin|Posted on: February 17, 2015

I have a car from Carmart. If I filed for bankruptcy, would I be a to keep the car? I still have 13 more months of payments ahead of me and because the payments are so ridiculously high, I just don’t think I can do it. I was told if I file for bankruptcy, a car… Read More

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