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	<title>Ask the Lawyer @ Dear Esq. &#187; Credit Law</title>
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	<link>http://www.dearesq.com</link>
	<description>Answers to Your Legal Questions</description>
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		<title>Can a Judgment of a Civil Complaint be Used to File a Lien Against an Insurance Policy?</title>
		<link>http://www.dearesq.com/can-a-judgment-of-a-civil-complaint-be-used-to-file-a-lien-against-an-insurance-policy/</link>
		<comments>http://www.dearesq.com/can-a-judgment-of-a-civil-complaint-be-used-to-file-a-lien-against-an-insurance-policy/#comments</comments>
		<pubDate>Tue, 15 Apr 2008 15:00:01 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Insurance]]></category>
<category>assets</category><category>civil complaint</category><category>credit law</category><category>creditor</category><category>debt</category><category>insurance</category><category>lien</category>
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		<description><![CDATA[Can a judgment in a civil complaint be turned into a lein against an insurance policy that the accused (one who judgment is against) owns?]]></description>
		<wfw:commentRss>http://www.dearesq.com/can-a-judgment-of-a-civil-complaint-be-used-to-file-a-lien-against-an-insurance-policy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Is there Any Way I can Keep my Home After I&#8217;ve Received a Foreclosure Letter?</title>
		<link>http://www.dearesq.com/is-there-any-way-i-can-keep-my-home-after-ive-received-a-foreclosure-letter/</link>
		<comments>http://www.dearesq.com/is-there-any-way-i-can-keep-my-home-after-ive-received-a-foreclosure-letter/#comments</comments>
		<pubDate>Wed, 26 Dec 2007 15:00:28 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Contract Law]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Real Estate]]></category>
<category>bankruptcy</category><category>foreclosure</category><category>mortgage</category>
		<guid isPermaLink="false">http://www.dearesq.com/is-there-any-way-i-can-keep-my-home-after-ive-received-a-foreclosure-letter/</guid>
		<description><![CDATA[Is there any way to save a home once the mortgage company has sent a letter stating that the house has been foreclosed and sold and you have 10 days to vacate?]]></description>
		<wfw:commentRss>http://www.dearesq.com/is-there-any-way-i-can-keep-my-home-after-ive-received-a-foreclosure-letter/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Can I Do to Stop Foreclosure Proceedings on My  Home?</title>
		<link>http://www.dearesq.com/what-can-i-do-to-stop-foreclosure-proceedings-on-my-home/</link>
		<comments>http://www.dearesq.com/what-can-i-do-to-stop-foreclosure-proceedings-on-my-home/#comments</comments>
		<pubDate>Tue, 18 Dec 2007 15:00:34 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Bankruptcy]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Debt Relief]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[Real Estate]]></category>
<category>avoid foreclosure</category><category>foreclosure assistance</category><category>prevent foreclosure</category><category>stop bank foreclosure</category><category>stop foreclosure</category><category>stop foreclosure help</category><category>stop foreclosure sale</category><category>stop mortgage foreclosure</category>
		<guid isPermaLink="false">http://www.dearesq.com/?p=846</guid>
		<description><![CDATA[Help!  The bank has said that they are going to foreclose on my house!  What can I do to stop foreclosure proceedings from my bank?  I really want to avoid foreclosure if at all possible.  What can I do to prevent foreclosure on my house?]]></description>
		<wfw:commentRss>http://www.dearesq.com/what-can-i-do-to-stop-foreclosure-proceedings-on-my-home/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Can Someone Leave a Summons Taped to my Front Door? Is this Legal?</title>
		<link>http://www.dearesq.com/can-someone-leave-a-summons-taped-to-my-front-door-is-this-legal/</link>
		<comments>http://www.dearesq.com/can-someone-leave-a-summons-taped-to-my-front-door-is-this-legal/#comments</comments>
		<pubDate>Fri, 30 Nov 2007 15:00:56 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Procedures]]></category>
<category>appear in court</category><category>credit card</category><category>credit debt</category><category>past due bill</category><category>payment</category><category>summons</category>
		<guid isPermaLink="false">http://www.dearesq.com/?p=832</guid>
		<description><![CDATA[My son found a summons addressed to me from a law firm suing me for a past due amount on a credit card.  The summons was taped to the front outside door of where I live in New York city.  It was taped there and any stranger passing by could read it.  Is this legal?]]></description>
		<wfw:commentRss>http://www.dearesq.com/can-someone-leave-a-summons-taped-to-my-front-door-is-this-legal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It has Been 10 Years Since I&#8217;ve Written a Bad Check but I Can&#8217;t Open a Checking Account, What Should I do?</title>
		<link>http://www.dearesq.com/it-has-been-10-years-since-ive-written-a-bad-check-but-i-cant-open-a-checking-account-what-should-i-do/</link>
		<comments>http://www.dearesq.com/it-has-been-10-years-since-ive-written-a-bad-check-but-i-cant-open-a-checking-account-what-should-i-do/#comments</comments>
		<pubDate>Tue, 06 Nov 2007 15:00:28 +0000</pubDate>
		<dc:creator>Michael Durgavich, Esq.</dc:creator>
				<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Finances]]></category>
<category>bounced check</category><category>checking account</category><category>credit repair</category><category>writing bad checks</category>
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		<description><![CDATA[I Have Written Bad Checks In The Past, And Now I Cannot Open Up A Checking Account. Will I Ever Be Able To Write Checks Again And Open Up Another Checking Account? Its Been Over 10 Years Are More. What Can I Do?]]></description>
		<wfw:commentRss>http://www.dearesq.com/it-has-been-10-years-since-ive-written-a-bad-check-but-i-cant-open-a-checking-account-what-should-i-do/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>My Ex Boyfriend Wrote me Bad Checks and Used my Credit Cards Running up a Large Debt, What can I do to get Compensation?</title>
		<link>http://www.dearesq.com/my-ex-boyfriend-wrote-me-bad-checks-and-used-my-credit-cards-running-up-a-large-debt-what-can-i-do-to-get-compensation/</link>
		<comments>http://www.dearesq.com/my-ex-boyfriend-wrote-me-bad-checks-and-used-my-credit-cards-running-up-a-large-debt-what-can-i-do-to-get-compensation/#comments</comments>
		<pubDate>Mon, 29 Oct 2007 15:00:25 +0000</pubDate>
		<dc:creator>Michael Durgavich, Esq.</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Debt Management]]></category>
		<category><![CDATA[Finances]]></category>
		<category><![CDATA[Small Claims Court]]></category>
<category>bounced checks</category><category>credit card</category><category>credit debt</category><category>small claims court</category><category>writing checks</category>
		<guid isPermaLink="false">http://www.dearesq.com/my-ex-boyfriend-wrote-me-bad-checks-and-used-my-credit-cards-running-up-a-large-debt-what-can-i-do-to-get-compensation/</guid>
		<description><![CDATA[In a past relationship my boyfriend ran up quit a bit of debt. This included checks he wrote me and then cashed in my account.  These checks bounced, although I was out the money.  He also made many charges on my credit card.  We have not been together for over 5 months; however, I am still paying on these loans.  What should I do?]]></description>
		<wfw:commentRss>http://www.dearesq.com/my-ex-boyfriend-wrote-me-bad-checks-and-used-my-credit-cards-running-up-a-large-debt-what-can-i-do-to-get-compensation/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>If I Send a Collection Agency Payments, Can they Still Garnish my Wages?</title>
		<link>http://www.dearesq.com/if-i-send-a-collection-agency-payments-can-they-still-garnish-my-wages/</link>
		<comments>http://www.dearesq.com/if-i-send-a-collection-agency-payments-can-they-still-garnish-my-wages/#comments</comments>
		<pubDate>Mon, 03 Sep 2007 15:00:01 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Finances]]></category>
<category>collection agency</category><category>credit card</category><category>debt</category><category>garnishing wages</category>
		<guid isPermaLink="false">http://www.dearesq.com/if-i-send-a-collection-agency-payments-can-they-still-garnish-my-wages/</guid>
		<description><![CDATA[If I owe a debt, lets say of 3,000 dollars to a collection agency and I called to see if I could send in payments of what I could afford, and I start sending them in can they still garnish my wages? ]]></description>
		<wfw:commentRss>http://www.dearesq.com/if-i-send-a-collection-agency-payments-can-they-still-garnish-my-wages/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>I Received a Collection Notice from the Telephone Company from 12 Years Ago, How Long Can They Seek Payment?</title>
		<link>http://www.dearesq.com/i-received-a-collection-notice-from-the-telephone-company-from-12-years-ago-how-long-can-they-seek-payment/</link>
		<comments>http://www.dearesq.com/i-received-a-collection-notice-from-the-telephone-company-from-12-years-ago-how-long-can-they-seek-payment/#comments</comments>
		<pubDate>Tue, 28 Aug 2007 15:00:22 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Credit Card Debt]]></category>
		<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Finances]]></category>
<category>collection agency</category><category>collection notice</category><category>credit card debt</category><category>finances</category><category>seeking payment</category><category>telephone company</category>
		<guid isPermaLink="false">http://www.dearesq.com/i-received-a-collection-notice-from-the-telephone-company-from-12-years-ago-how-long-can-they-seek-payment/</guid>
		<description><![CDATA[ I just received a collection notice from 12 yrs ago, in my ex- married name.  My ex- husband I found out is deceased and I believe if there is such a bill he had his hands on it. I am trying to dispute it of course but legally how long can someone seek payment. ]]></description>
		<wfw:commentRss>http://www.dearesq.com/i-received-a-collection-notice-from-the-telephone-company-from-12-years-ago-how-long-can-they-seek-payment/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What Happens in a Joint Ownership when One or More Owners is Deceased</title>
		<link>http://www.dearesq.com/what-happens-in-a-joint-ownership-when-one-or-more-owners-is-deceased/</link>
		<comments>http://www.dearesq.com/what-happens-in-a-joint-ownership-when-one-or-more-owners-is-deceased/#comments</comments>
		<pubDate>Mon, 30 Jul 2007 15:00:13 +0000</pubDate>
		<dc:creator>Anon</dc:creator>
				<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Property]]></category>
		<category><![CDATA[Real Estate]]></category>
<category>deceased</category><category>joint ownership</category><category>loan</category><category>mortgage</category><category>payments</category><category>property</category><category>real estate</category>
		<guid isPermaLink="false">http://www.dearesq.com/what-happens-in-a-joint-ownership-when-one-or-more-owners-is-deceased/</guid>
		<description><![CDATA[Can my parents change their real estate deed to "joint ownership with rights of survivorship" with them, my sister and myself as joint owners even if my parents still have a mortgage on that property? What happens with the mortgage if they pass away together (like an auto crash), can it be "assumed" by my sister and I or will we have to pay off the mortgage in order to keep the property for future generations?]]></description>
		<wfw:commentRss>http://www.dearesq.com/what-happens-in-a-joint-ownership-when-one-or-more-owners-is-deceased/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>If I Die Before My Credit Debt is Paid Off, Can the Credit Card Company Seize Money from my Life Insurance Policy?</title>
		<link>http://www.dearesq.com/if-i-die-before-my-credit-debt-is-paid-off-can-the-credit-card-company-seize-money-from-my-life-insurance-policy/</link>
		<comments>http://www.dearesq.com/if-i-die-before-my-credit-debt-is-paid-off-can-the-credit-card-company-seize-money-from-my-life-insurance-policy/#comments</comments>
		<pubDate>Wed, 27 Jun 2007 15:00:26 +0000</pubDate>
		<dc:creator>Michael Durgavich, Esq.</dc:creator>
				<category><![CDATA[Credit Law]]></category>
		<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Wills, Trust & Estate Planning]]></category>
<category>beneficiaries</category><category>company</category><category>credit card</category><category>credit debt</category><category>credit law</category><category>life insurance</category>
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		<description><![CDATA[If I die with credit card debt, can the credit card company seize my life insurance policy from my children to pay off the debt?]]></description>
		<wfw:commentRss>http://www.dearesq.com/if-i-die-before-my-credit-debt-is-paid-off-can-the-credit-card-company-seize-money-from-my-life-insurance-policy/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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