Despite the special protections given to student loan debt ( i.e. different discharge rules in bankruptcy, different garnishment rules, etc.), collection agencies that collect either federal or private student loans are still subject to both federal and Iowa fair debt collection laws. A debt collector that reveals private information to a third party, communicates with a borrower at inconvenient times of the day, telephones repeatedly with the intent to harass the borrower, contacts a borrower at work without permission, makesRead more
Welcome.
Welcome to the Iowa Consumer Rights blog for Nancy Thompson. I’m an attorney who has nearly 30 years experience advocating for consumers. We pursue fair debt collection violations by creditors and debt collectors, fair credit reporting violations by creditors and credit bureaus and consumer fraud violations by a variety of entities like debt settlement companies, creditors and others. This blog will help provide some basic information about the many difficulties facing Iowa’s consumers. If you have a consumer problem thatRead more
Welcome to Iowa Chapter 13 Bankruptcy
I am Nancy Thompson with Thompson Law Office. I am a bankruptcy attorney in Des Moines, Iowa and represent people in bankruptcy throughout the state of Iowa. Welcome to this blog on Chapter 13 bankruptcy.
Do You Know What Chapter 13 Bankruptcy Is?
What Is Chapter 13 Bankruptcy? Chapter 13 bankruptcy helps a person reorganize debts. Over a 3-5 year period debtors make payments to a trustee, who disburses the funds to creditors. Unpaid debts remaining at the end of the plan period are discharged, just as they would be in a Chapter 7. Secured creditors may be paid by the trustee or directly by the debtor. Unsecured creditors may receive payments if there is income left over each month beyond what isRead more
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