Debt Collection, Garnishment, Repossession Article


Bankruptcy 101 Videos

IMPORTANT WARNING: These videos are not intended to give you legal advice, and they are not a substitute for legal advice specific to your situation that you should obtain from a qualified attorney. Go to the State Bar of Arizona website at http://www.azbar.org/ to find a bankruptcy attorney.

To watch the videos, click here.

The Bankruptcy 101 educational videos have been provided as a gift from the following organizations and individuals: The American College of Bankruptcy Foundation, The Arizona Foundation for Legal Services and Education, The Arizona State Bar Bankruptcy Section, The United States Trustees Office, The Arizona State University College of Law, The National Association of Consumer Bankruptcy Attorneys and many volunteer attorneys.


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QUESTIONS

  • If your car is repoed how long do u have to get it back
  • Can a credit card company sell thier old receivables/ debt for a lessor amount and the new so collection company collect at the old debt rate?
  • I have just started to get my wages garnished agian from a car loan I had with a bank five years ago. I started a new job and was getting garnished from my last employment I had gotten my total down more then half and now that they have started garnishing at my new employment the total I owe has more then doubled off my original balance in which they sued me for in the beginging, my question is just how much intrest can a bank (not a collection agency) charge on a defaulted loan that is in the process of being garnished legally? I will end up being garnished for the next 6 years at this rate.
  • I am owed back child support and I am being told I have to pay an overpayment of food stamps back.  Can they take it from child support?
  • I had my wages garnished last year. Judgment creditor filed a motion to show cause against the garnishee. Garnishee was ordered to pay the outstanding balance now the same creditor is garnishing my checks again. What about the judgment against the garnishee is this legal?
  • Is there an interest percentage cap on the collectible debt? Is the debt collector allowed to negotiate the interest portion of the debt if client is able to pay? Is the debt held by a debt collection agency good forever?
  • I recieved a Civil Summons at my home. I want to payoff my debt, can I just contact the plaintiff or do I need to go thru the court? Is there any other alternet course of action for me?
  • I have a law suit filed against me from a debt collection agency for $700 the original debt on this was $300 they have added $400 in late fees now i have to file an anwser to the complaint to the court, and help with a few affirmative defenses?? i can use for this this is a compant that has bought the debt not orginal credit card co
  • Does AZ law require the debt of a deceased relative to be paid. I am listed as a trustee on my Mothers revocable trust. Am I required to pay on any of Her debt?
  • I have a credit card with the same bank where I have a Certificate of Deposit. My credit card payments are in default. I was using a credit counseling company to help me get out of debt and help me arrange a payment plan on the overdue credit card debt. The bank used my Certificate of Deposit to pay off the credit card debt without my permission. Is this legal?

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OTHER LEGAL RESOURCES

  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
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