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Can they take house in California for unsecured credit card debt?





Sub: Can they take house in California for unsecured credit card debt?
Sun, 13/03/2011 22:58

If a credit card that I defaulted on and they were granted a judgment against me, could they take our house or any personal property like furniture, electronics, etc.? My husband is on the title also and owns most of these and had no knowledge of these debts. Help!



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Sub: #1 leinTue, 12/18/2012 - 08:23



I owe $8.000.00 of credit debt and they put a lein on my house in Calif. I am still making mortgage payments and own $175.000.00. Can they take the house?


Buddy



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Sub: #2 I agree with the last post. Plus I dont think there's enough laSun, 03/13/2011 - 22:58



I agree with the last post. Plus I dont think there's enough lawyers out there to sue everyone in default! Wait them out or settle 25 cents on the dollar.


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Sub: #3 Fuck them all, and watch them fall!!! All of the above are pussWed, 07/28/2010 - 21:58



Fuck them all, and watch them fall!!! All of the above are pussies, when a debt collector calls pick up the phone and say "go fuck yourself" and hang up. They can't do shit. Collectors are nothing, they are just dumb fucks who cannot find jobs, Collection companies hire anyone to collect on commission. They can never ever take your house away from you or your husband. Credit Card goes in to default, they sell or assign your debt to collection company. Once you see on your credit card charge off-that means they have writin off your debt as a bad debt and assigned it to a collection company. Two types of collections (assigned and outside collection) assigned collections are part of the creditor, outside they prob. bought your debt for pennies on the dollar, but forgot to pick up all the original paperwork. lol. Call up the collection, and say validate my debt, with the original application and all the paperwork. Chances are they are not going to have any paperwork. After all that fails, just sit in your newly built home and enjoy rest of your life with your spouse, again they can NEVER EVER touch your property with a judgement, to much cost.


Sub: #4 Quote:Originally Posted by AnonymousThank you for the suggestionMon, 02/22/2010 - 15:50



Quote:
Originally Posted by Anonymous
Thank you for the suggestion. I am UE for the past 7 months, and my husband now 1 month. We are current on mortgage but stuggeling, two cc are in default, but the rest are current. He had emergency gallbaldder surgery and the insurance cut off the night before surgery, unkown to us. This happened on the 4th of January 2010. We have worked with mortgage relief and cc consolidation. At htis point it is getting uglier and no light at the end of the tunnel. We sought the relief programs over 5 months ago.
I am terrified, we do not want to loose our home that was just completed building just in the past year, that took over seven years to buld.
Blood, sweat and tears have gone into it, and it was the last home of lifetime. We are both 51, broke, no mutuals, 401 ks.
Busted, flat and broke?
When seeking a BR lawyer please advise what to ask to ensure that we have the best representation and we do not loose our home?


Cheaper is not always better with lawyers. Look for one that has a good reputation some even have info on the BBB site, look for A ratings. You can also call the state BAR and they can refer you to one...also I think NACA.net has attorneys for bankruptcy.

As for what to say, all you need to do is tell them what you want to keep and what has to go, which they will decide by the laws on exemptions.


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Sub: #5 Thank you for the suggestion. I am UE for the past 7 months, anMon, 02/22/2010 - 06:25



Thank you for the suggestion. I am UE for the past 7 months, and my husband now 1 month. We are current on mortgage but stuggeling, two cc are in default, but the rest are current. He had emergency gallbaldder surgery and the insurance cut off the night before surgery, unkown to us. This happened on the 4th of January 2010. We have worked with mortgage relief and cc consolidation. At htis point it is getting uglier and no light at the end of the tunnel. We sought the relief programs over 5 months ago.
I am terrified, we do not want to loose our home that was just completed building just in the past year, that took over seven years to buld.
Blood, sweat and tears have gone into it, and it was the last home of lifetime. We are both 51, broke, no mutuals, 401 ks.
Busted, flat and broke?
When seeking a BR lawyer please advise what to ask to ensure that we have the best representation and we do not loose our home?


Sub: #6 http://www.virginia-bankruptcy.com/exemptions.html This shouldMon, 02/22/2010 - 06:06



http://www.vir ginia-bankruptcy.com/exemptions.html

This should help out a little, from the looks of it, you should be able to keep it as long as your payments are up to date. It is always best to consult with a bankruptcy attorney in your state though, most of the time the first visit is free, they will see if it is right for you.


Unregistered

Sub: #7 In the State of VA, if both spouses loose thier job due the the Mon, 02/22/2010 - 05:57



In the State of VA, if both spouses loose thier job due the the mass layoff, can they file bankruptsy, on all debts, cc, mortgage, medical and keep thier house and cars?


Unregistered

Sub: #8 If you have a law suit, if you settle it makes it easier for negTue, 02/02/2010 - 14:26



If you have a law suit, if you settle it makes it easier for negotiations to lean your way. I have been helping clients for the past 3 years with debt and the law suits along with it


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Sub: #9 Donald Trump probably did a business bankruptcy, not a personal Tue, 02/02/2010 - 11:13



Donald Trump probably did a business bankruptcy, not a personal one. There is a big difference.

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com...allenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com...imitation.html


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Sub: #10 H e l p ! ! ! !Tue, 02/02/2010 - 09:32



what kind of help is out there to help people who , cannot file bankruptcy .
Or who cannot do debt consolidation . This is so frustrating . we have to equity on our house to do bankruptcy . And we can't afford monthly payments to do
debt consolidation . I am really confused . I will have to sell my house . And with the little money I get from the sale , I'll pay the debt off .
Is there any other help out there .
If Donald Trump can file for BANKRUPTCY , WHY can't we . There's laws to protect him but none to protect me and a few million others . I don't know what else to do .


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