For relatively minor debt problems there are a number of credit management companies that deal with credit card debts and work out voluntary repayment plans outside of bankruptcy. If all creditors won’t agree to do this, you can file a Chapter 13 bankruptcy. This allows you to pay all your creditors a portion of what
[ more ]Resources
What is bankruptcy?
Bankruptcy is a legal way of getting relief from most debts. Chapter 7 is the most common form of bankruptcy. It involves the filing of a petition in Bankruptcy Court. Your creditors are then notified and a hearing is held that you must attend. After that, the Bankruptcy Court will enter an order that you
[ more ]Can my employer fire me if they are served with a garnishment Order?
NO! You cannot be fired by your employer because of a garnishment. There are both state and federal laws to protect you.
[ more ]Government Resource Links
Government website links that will be helpful with your bankruptcy education and research.
[ more ]Business & Finance Resource Links
Business & Finance website links that will be helpful with your bankruptcy education and research.
[ more ]Legal Resource Links
Legal Resource website links that will be helpful with your bankruptcy education and research.
[ more ]What types of debt collection practices are prohibited?
1.) Harassment-Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, debt collectors may not: Use threats of violence or harm; Publish a list of consumers who refuse to pay their debts (Except to a Credit Bureau); Use obscene or profane language; or Repeatedly use the telephone to
[ more ]May a debt collector continue to contact me if I believe I do not owe the money?
A collector may not contact you if, within 30 days after you receive the written notice, you send the collection agency a letter stating you do not owe the money. However, a collector can renew collection activities if you are sent proof of the debt, such as a copy of a bill for the amount
[ more ]What must the debt collector tell me about the debt?
Within five days after you are first contacted, the collector must send you a written notice telling you the amount of money you owe; the name of the creditor to whom you owe the money; and what action to take if you believe you do not owe the money.
[ more ]May a debt collector contact anyone else about my debt?
If you have an attorney, the debt collector must contact the attorney, rather than you. If you do not have an attorney, a collector may contact other people, but only to find out where you live, what your phone number is, and where you work. Collectors usually are prohibited from contacting such third parties more
[ more ]
Recent Posts
Attorney Megan Quillen Earns Certification as Consumer Bankruptcy Law Specialist
The law office of Harlan and Quillen is proud to announce that attorney Megan Quillen has been named board certified by the American Board of Certification (ABC) as a Consumer Bankruptcy Law Specialist. “Achieving board certification as a Consumer Bankruptcy Law Specialist is a proud moment in my legal career,” says Quillen. “I am honored
H&Q Paralegal Receives Advanced Certification
H&Q Paralegal April Watson recently achieved the Fair Credit Reporting Act (FCRA) Advanced Certificate through the Professional Background Screening Association. The certification program content included fair credit reporting compliance, accuracy and litigation information and strategy. Watson manages the firm’s credit report review process. H&Q provides a no-cost credit report review for clients following their bankruptcy
H&Q Attorney Keith Slocum named to the Board of the American Board of Certification
Consumer bankruptcy firm, Harlan and Quillen, is proud to announce that attorney Keith Slocum has been named to the Board of the American Board of Certification (ABC). “I’m honored to be named to the ABC board and work alongside other professionals that are leading our legal field,” says Slocum. The ABC is the premier legal