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Guillermo J. Senmartin, Esq.
Guillermo J. Senmartin, Esq., Abogado
Categoría: USA Ley en Español
Clientes satisfechos: 109324
Experiencia:  10+ años de experiencia en derecho de inmigracion EE.UU y 8+ años de experiencia en derecho general.
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I owe $37,000 to Bank of America in what they are calling a

Pregunta del cliente

I owe $37,000 to Bank of America in what they are calling a cash infusion.This is an unsecured loan. I was making payments for three years, now I can not make the minimum payment of $849.00 a month. I tried making partial payments, but they would not reach an agreement and they kept charging me $49.00 a month since I could not make the full payment. My last payment was $645.00 3 months ago,I just recieved a phone call in which they are willing to settle for $12,000 payable on monday or they will take me to court. We do not have the money.
The only income we have is from my husband's IRA and we are making payments to the IRS as he is not 59 and a half.
I will be getting social security in July in the amount of $850.00
We owe no properties in the US we only have a checking account, no savings.
We have not lived in the US for 7 years and we currently live in Honduras.
We tried to declare bankrupcy in Fl. but since we don't live in the US they told us we could not.
What is the worst thing that they could do? We are worried that they would touch his IRA and me loosing Social Security.
Enviada: hace 6 año.
Categoría: USA Ley en Español
Experto:  Guillermo J. Senmartin, Esq. escribió hace 6 año.

I think you will be ok because those funds should not be subject to debt collection. You have to pay the IRS, but the Bank of America loan, even if they get a judgment against you, they would not be able to touch, his IRA or Social Security. Take a look at this link:

 

http://www.nedap.org/hotline/exempt.html

 

Please let me know if you have any additional questions. I would be happy to answer them for you without additional charge, if not, please do not forget to click ACCEPT. That is the only way that I can get paid a small percentage of your deposit. If you do not click accept, the website gets all of your deposit and I get nothing. When you click accept, you are not charged again and we can continue to communicate without additional charge if you have a few follow-up questions. If you would like to request me in the future, just put my name on the subject line. Positive feedback for my service to you (not the state of the law as it is) is always appreciated as well as any bonus if you think I deserve it. Thank you.

Cliente: escribió hace 6 año.

We have $35,000 in our checking account in Fl. as he only recieves a check once a year, this money has to last us thru next January.From that account is what I pay all our bills:other credit cards including the IRS.

We have a checking account in Honduras and we normally tranfer money from the States to cover our living expenses.

Experto:  Guillermo J. Senmartin, Esq. escribió hace 6 año.
Well, if you have savings in an account like that, Bank of America will be able to attach that. So you may need to get that money out of there and put it in an offshore account that they cannot reach. Please let me know if you have any additional questions and please do not forget to click accept. Thank you.
Experto:  Guillermo J. Senmartin, Esq. escribió hace 6 año.
Is there anything else that I can do for you? If not, please do not forget to click accept so that I can get credit for my assistance to you. You are not charged again and we can continue to communicate without additional charge if you have a few follow-up questions. Thank you!
Cliente: escribió hace 6 año.
Qiesiera saver cuanto cobra para retenerlo i representarme como Abogado
Experto:  Guillermo J. Senmartin, Esq. escribió hace 6 año.
Desafortunadamente, este sitio no me permite representar a clientes directamente. Ellos quieren que ustedes sigan viniendo al sitio cuando tiene preguntas. Pero si usted quiere, puede buscar un abogado en http://www.avvo.com/. Tambien, aunque pudiera, yo no estoy tomando casos asi en ese momento. Lo siento. Avise si tiene algunas otras preguntas y por favor de no olvidarse de aceptar a mis respuestas. Gracias.