Colin K asked:


I was never served for the complaint. As a result judgment was served. I never found out until my paycheck was garnished. Can I contest this? If so, is it a waste of time (I’ll have to pay eventually unless i prove identity theft)? Can I get it vacated, then try to negotiate a settlement? How about declaring ch 13 bankruptcy?

saddy women asked:


I have financial problems. I have two mortgages about 1million and credit card debt about $300K. I tried to sell my house to pay my debts. However, it’s on market about 6 months, no any offer. I don’t how to do-file bankrupcy or find credt settlement company to settle my debts. My friends told they are not useful to have settlement company deal with all creditors. Can someone can give me advise how to survive?

WM asked:


“Do you have the settlement amount in full? When you try to negotiate settlements, often times you need to have enough
funds to make large payments. Additionally, be aware that any “forgiven” debt by the OC is considered taxable income by the IRS”
Trying to negotiate large credit card debt down. 8 credit cards 25%, can not consolidate and do not want chapter 13 on record 10 years.