Debt Free Colorado

FEBRUARY 21, 2022

Consumer debts include credit card debts, vehicle loans, medical costs, and school loans. The UCCC covers payday loans, vehicle loans, second mortgages, state-issued credit cards, and signature loans. The UCCC does not cover first home mortgages and refinancing loans. Which States Have the UCCC.

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Debt Free Colorado

APRIL 9, 2020

So far the offers have been vague, the most likely concessions will be for your lenders on your home and cars to allow you to move a monthly payment to the end of the loan and for credit cards to temporarily reduce your interest rate. There are more tools for dealing with your mortgage than any other type of loan. Student Loans.

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Credit Corp

MARCH 12, 2025

Consult a lawyer: If you are unsure how to draft your response or need help asserting defenses, consult a lawyer or a legal aid organization. Its often included as a clause in credit card and loan agreements. The court may issue a judgment against you, potentially leading to wage garnishment or asset seizure.

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Debt Free Colorado

JUNE 18, 2024

Know How to Stop Creditor Harassment & Wage Garnishment Debt can be a heavy burden. Wage garnishment is a legal procedure where a creditor obtains a court order to withhold part of your earnings from your paycheck to repay a debt. This stops creditor harassment and wage garnishment for most debts. What is Wage Garnishment?

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Debt Free Colorado

APRIL 1, 2021

If you’ve ever taken out a payday loan, chances are that you’ve received an email like the following, regardless of whether you paid off the loan or not. Subject : Unpaid loan Invoice. You can’t garnish wages because you don’t have a judgment. OUTSTANDING AMOUNT: $850.45 They’re not the same.

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Sawin & Shea

JULY 20, 2022

Doctors, hospitals, shops, mail-order businesses, and occasionally banks and loan firms all use collection agencies. The majority of lawyers who collect debts on behalf of their clients are also considered “debt collectors” under federal law. The majority of debt collectors work for reputable collection companies.

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Credit Corp

MAY 30, 2023

This is known as wage garnishment. The Consumer Credit Protection Act caps these types of garnishments. Nonwage garnishment. If you’re retired, unemployed, or self-employed, your bank account may be garnished instead. Veterans payments, social security, and disability benefits are not eligible for nonwage garnishment.

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Debt Free Colorado

DECEMBER 9, 2021

Unlike Chapter 7, Chapter 13 bankruptcy enables you to decrease the interest rate on your vehicle loan and, in certain situations, the total amount owed. Chapter 7 will not assist you if your primary source of debt is a mortgage, auto loan, or other kinds of debt. Your budget determines your monthly payment.

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Sawin & Shea

APRIL 3, 2024

Professional Licenses and Loan Defaults While a bankruptcy filing alone shouldn’t ruin your chances of obtaining a license, defaulting on certain loans and debts can. Additionally, bankruptcy may indicate other financial problems that can impact your status with your employer, such as fraud or defaulting on certain loans.

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Debt Free Colorado

DECEMBER 23, 2024

Credit cards, medical bills, and personal loans make up most unsecured debt that bankruptcy can eliminate. Student loans, child support, recent taxes, and court fines must be paid in full. This type of bankruptcy often eliminates credit card debt, medical bills, and personal loans. Some debts stay with you even after bankruptcy.

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Sawin & Shea

FEBRUARY 2, 2022

If you are drowning in debt but aren’t sure which option is right for you, it can help to consult with an experienced lawyer. If a creditor does not want to participate, they can still pursue you in all the ways allowed by law including lawsuits and wage garnishments. Consolidation Loans. Debt Settlement.

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Credit Corp

MAY 3, 2023

It’s typically a good idea to consult an experienced bankruptcy lawyer before you file a bankruptcy petition. Bankruptcy does have some benefits, such as potentially putting a stop to wage garnishments or foreclosures. Priority and secured debts, such as taxes or auto loans, are paid in full.

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Sawin & Shea

MARCH 20, 2024

If you’re worried about garnishments, foreclosures , lawsuits, repossessions , or other consequences of your debt, connect with an experienced bankruptcy lawyer at Sawin & Shea as soon as possible. Choosing the right solution is a big step that could affect your life for years to come. You deserve a fresh start.

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Sawin & Shea

MAY 2, 2024

Whether you’re facing foreclosure , repossession, wage garnishments, or relentless creditor harassment, our expertise in bankruptcy law can offer the protection and relief you’ve been seeking. Student loans are also difficult but not impossible to discharge in bankruptcy.

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Better Credit Blog

MAY 12, 2022

And, after ordering you to repay the money, a judge could approve wage garnishment which means the court would take part of your paycheck and give it to the creditor before you even see the money! You’d may have to hire a lawyer, but if the debt is big enough this might pay off. This is usually an easy dismissal.

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Collection Industry News

SEPTEMBER 23, 2020

The increase in lawsuits filed against consumers for unpaid medical debt, credit card bills, automobile loans and other collection issues comes as no surprise to attorneys and others working in the industry. Some think the creditor’s lawyer will steamroll over them and they do not have any real way to fight back.

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Debt Free Colorado

DECEMBER 7, 2016

Lawsuits, garnishments, foreclosures, and other collections stop at this time. Certain taxes, student loans, child or spousal support, fees owed the government, and other debts aren’t affected. To discuss your debt with an experienced bankruptcy lawyer call 303-900-8598.

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Credit Corp

AUGUST 31, 2021

Contact a lawyer for your unique situation if you have questions. Judgments may give collectors additional collection powers, such as access to the money a debtor has in their bank account or the ability to garnish wages to collect the judgment. It works like this: You have a loan, credit card, or other debt.

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Debt Free Colorado

MARCH 3, 2023

Find Out the 10 Common Questions About Bankruptcy with Colorado Bankruptcy Lawyers. For instance, it may permit the restructuring of debts due to “secured” creditors, or creditors who have an interest in assets like a mortgage or a car loan, but it typically won’t abolish those debts.

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Collections Law

APRIL 1, 2020

Therefore, to ensure the enforcement of domesticated foreign judgments, your case must be handled by an experienced Massachusetts bad debt collections lawyer who will work to defeat creative defenses to judgment skillfully and successfully. They afford the debt collection lawyer attachment targets.

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Taurus Collect

JANUARY 24, 2023

In this situation, it is best for borrowers to consult a lawyer before deciding how to proceed, as they may be able to help negotiate a more favourable outcome or find alternatives that don’t involve taking legal action against them. But if you use the right strategies during tax season, you can make a big dent in your debt load.

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Better Credit Blog

AUGUST 31, 2020

Consumer debts: The FDCPA applies to all consumer debts, like credit cards, student loans, and medical bills, but it does not apply to commercial debts. So if your business defaults on a loan or payments, without a personal guarantee, it is not protected by the FDCPA. Threatening to garnish wages without a court order.

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Jimerson Firm

JANUARY 16, 2023

Many times, consumer lawyers bring claims for technical violations of the statutes, or even when there has not been a clear violation of the statutes, in an effort to recover attorneys’ fees from the business similar to a shake-down situation. Businesses should be aware of each statute and how to defend against such claims.

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BN Lawyers

APRIL 30, 2019

Some creditors even go so far as to sue on these discharged debts or garnish wages and bank accounts. Thus the bankruptcy discharge eliminates the personal liability of the debtors on the debt, and converts the loan into a non-recourse loan. Refusing to modify a loan unless the debtor reaffirms the mortgage loan.

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Collection Industry News

JANUARY 10, 2025

In December 2018, the consumer lawyer from Los Angeles went for a routine dentist appointment at Western Dental in San Mateo, in the suburbs of Northern California. The deferred interest component, which touts zero-interest loans during the promotional window, may also appeal to customers at a moment when interest rates are high.

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Sawin & Shea

JUNE 21, 2023

For example, if a person takes on additional loans or other forms of dischargeable debt right before filing, the court may suspect that the filer took on that debt in bad faith and never intended to pay it. Contact our seasoned lawyers today at 317-759-1483, or you can schedule a FREE consultation online here. Can I Refile?

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Sawin & Shea

OCTOBER 5, 2022

Student loan debt is a serious problem in the United States, and it’s an issue that impacts millions of Americans. As of January 2022, around 45 million people have student loan debt, which is 13.5% trillion, and according to Forbes , 7% of borrowers will never pay off their loans based on the current rate of repayment.

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FFGN COLLECT NY

JANUARY 31, 2024

The role of the Attorney General (AG), head of the Department of Law, is “both the People’s Lawyer and the state’s chief legal officer…serves as the guardian of the legal rights of the people of New York, its organizations, and its natural resources.” Together, they purchased defaulted consumer debt for pennies on the dollar.

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