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    1. N

      Collections of SOL debt after death

      What is the name of your state (only U.S. law)? TX My husband passed away recently. He had credit card debts in his name that were past SOL. They are long time charged off by the original creditors and were sold to collectors. Now collectors of one of those old debts found out that he passed...
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      SOL question

      What is the name of your state? TX SOL in Texas is 4 years. My question is: If a creditor files in court prior to the 4 year term expiration, but the debtor receives summons after the term is over, can the debtor still deny the case due to SOL? Or the date of filing, not the date of summons or...
    3. N

      Individual coverage for person over 64

      What is the name of your state? TX The person is over 64, once enrolled in Medicare but dropped out because there was a period that she could not make payments. New Medicare enrollment starts only in January 2007 to be effective in July 2007. What a person to do in the meantime? She is not...
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      Continued health coverage and new employment

      What is the name of your state? TX I am about to change jobs. Now I am covered under a group plan and would like to use my right to continued coverage (employer has less than 20 people, so it is not COBRA, just voluntary option for all leaving employees). I have contradicting information. One...
    5. N

      Sued in one state, now have to move to another

      What is the name of your state? TX A creditor filed a case at the county court against my husband over a credit card debt. We applied with general denial three months ago and have not heard from them since. Now we are moving to TX (job offer). If the creditor chooses to pursue the case, will...
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      Deadline for filing under the existing law

      What is the name of your state? WY New law comes in effect on October 17. Does it mean that if one files on October 14 (Friday), he is still filing under the old law? Or should it be filed in advance so that the whole case or at least the hearing takes place before that day? (I doubt, but I'd...
    7. N

      Judgement and garnishments. Please explain.

      What is the name of your state? WY How does it all happen? :confused: Can someone please explain? 1. Creditor files a complaint, and the debtor receives summons. 2. Debtor replies within a set period of time. In our case, it is a general denial. 3. What's next? My understanding is that now...
    8. N

      Spouse received summons. Any ways to save our money from garnishment?

      What is the name of your state? WY Hello, My husband received summons regarding a complaint from a credit card company. So far, to win time, we filed a general denial. In fact, we don't agree with the principal amount stated. As of the last day of activity (when the last payment was made), the...
    9. N

      How painful is it to file for BK? Some concerns about stuff we have.

      What is the name of your state? Wyoming I read through some threads here and see that chapter 7 is about our only choice. We are self employed and just received summons. No way we want to let them wipe our bank accounts any time they please. So, I guess, judgement is not an option. How does...
    10. N

      Being in business after Ch 7

      What is the name of your state? WY My husband and I are self-employed. Some time ago the business slowed down and we started to experience difficulties keeping up with CC payments. Eventually, CC companies pushed it to where we could not make the payments. If you receive a $200 bill where only...
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      Collector is going to send the claim sheriff's office.

      What is the name of your state? WY This is wat they say: we are going to forward your case to sheriff's small claims. (the amount is small indeed, and we told them we would pay, but right now we don't have the money). And how is that possible? Aren't they supposed to file a claim at court...
    12. N

      Undue hardship card

      What is the name of your state? WY Can someone please explain what undue hardship card is and when one can use it? We were not sued yet, but we are behind, so who knows what happens.
    13. N

      Credit Card sent our debt to collections

      What is the name of your state? WY We fell behind on our credit card payments. My husband and I are self-employed. The business went slow in January and hasn't quite picked up yet; we make enough money to pay rent, utilities and first necessities, but can't make card payments yet. So one of...

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