The number one question I get on Fridays is, “can I file bankruptcy on a garnishment?” Fridays are paydays. And payday may be the first time you learn that a creditor is garnishing you. Like a foul ball into left field while you’re looking down at your nachos instead of watching the game, an unexpected…Read more
Scam Alert: Fake Collection Notices
Whenever I meet with a potential client, I always ask them what brought them in this particular day. Although many have been thinking about bankruptcy for a long time and have finally gotten around to learning more, some people come into my office because they’ve been served with a lawsuit or been told that their…Read more
Is Bankruptcy Better Than Debt Settlement?
I may get myself into trouble, but I’m going to assume that if you’re looking at our website, you’re trying to find a way to get out from under overwhelming debt. While bankruptcy is one way to do that, another way is to negotiate with your creditors to settle your debt for less than you…Read more
What Happens After a Creditor Gets a Default Judgment Against Me?
How To Stop A Default Judgment In Colorado A “default judgment” happens when a defendant doesn’t respond to a lawsuit. They either ignore the deadline to respond to the lawsuit by not filing an answer to the plaintiff’s complaint, or after they file an answer, they don’t participate in the litigation. Once a creditor…Read more
Will Bankruptcy Stop My Paycheck Being Garnished?
As I’ve written before, by the time a creditor has started garnishing your paycheck, your options are limited. You might be able to convince them to drop the garnishment in return for regular payments, but I haven’t seen that happen yet. And when I was working on the other side of things, none of my…Read more
Can a Creditor Serve a Collection Lawsuit at Work?
Unfortunately, some of my clients don’t see the warning signs of their financial situations until one of their creditors sue them. I get a lot of phone calls from people right after someone hands them a summons for a lawsuit. Sometimes, they call me from work. They’re angry and want to know if a creditor…Read more
Does a Creditor Have to Serve Me Before It Can Garnish My Paycheck?
Having Your Paycheck Garnished In Colorado Does a creditor have to serve you before it can garnish your paycheck? The answer is a little complicated. Read on to learn more. I get a lot of calls from people on payday. Unfortunately, that’s when many people find out that they’re check has been garnished by a…Read more
Colorado Attorney General Sues Florida Debt Management Firm Johnson Law Group
Colorado Attorney General John Suthers has filed a lawsuit against Clint L. Johnson and his Orlando, Fla.-based law firm, the Johnson Law Group, suspected of engaging in unlawful debt management practices directed at Colorado consumers. According to the complaint, filed in Denver District Court, Johnson and the Johnson Law Group contracted with 665 Coloradans for…Read more
What Are My Rights Under the Fair Credit Reporting Act?
Under the federal Fair Credit Reporting Act, you have the following rights: You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against…Read more
Can Debt Collectors Look at My FaceTweetBookedInSpace Page?
Once upon a time, I made a living on the other side of the negotiating table. I worked for creditors, some of whom had me suing people for loans that had interest rates of up to 30%. Before we could sue them, though, sometimes we had to find them. You’d be surprised at how easy…Read more