Somers Point, NJ Bankruptcy Law Firms & Lawyers

It is not spying to look at public records of the government. There is no way to know who looks at government records. These records are available at the courthouse and online for any & everyone to peruse. It is part of the price you pay for having filed bankruptcy. However, your social security number & the names of your minor children will be redacted & hidden from the view of prying eyes.

1. Different summonses differ regarding the deadline for response and whether you have to appear in person or file an appearance. In addition, if the debt is $10,000 or more in Illinois, you have to file an answer or motion. Read the document carefully and comply. 2. Leaving papers outside your door is proper service only if you refuse to open the door. Whether this is worth raising may depend on such considerations as whether the statute of limitations may expire shortly. 3. One important consideration in determining the appropriate course of action is whether you are being sued by original creditors or debt buyers. Debt buyers generally cannot prove anything. You may be able to defend the case yourself, or hire an attorney for perhaps $1,000. Original creditors, particularly if the debt is large and the creditor has brick-and-mortar offices locally, may be able to produce a witness and prove their case. 4. Whether you should file bankruptcy requires a detailed examination of your financial circumstances with a bankruptcy attorney. 5. Generally, if you have 2 or 3 debts in the hands of debt buyers, I would suggest trying to defend the cases before filing bankruptcy.

While the personal obligation on the Loan may have been discharged, the Company may still exercise rights against the property. So while they can not get a judgment against you, they can foreclose on the property itself.