FAQ

Broadwater Law Group is not a credit repair organization, but we have educated many consumers on the realities of credit reporting. Call today if you have questions about credit reporting or if you think something incorrect is affecting your credit.

That depends – and coming up with a plan on what to pay and what to let go is one of the most important reasons why you should contact a bankruptcy attorney.

This big question in bankruptcy is not “How much debt can I get rid of” but rather "How much can I keep?” Call our office today to speak with a bankruptcy attorney at no cost to you and come up with a plan for you to prioritize your debts.

It depends, but the vast majority of people who file bankruptcy are able to keep their homes as long as they continue to make the regular monthly payments. Call us today to learn if you can protect your home in bankruptcy.

No. The Bankruptcy Court requires you to disclose all debts and assets of your household. However, there are many exemptions that allow consumers to keep certain assets even in bankruptcy. Call us today to determine if the account or property you’re concerned with is exempt in bankruptcy.

If you find something on your credit that you think is incorrect, then the best course is to dispute it in writing. Call us today if you think your credit report is inaccurate and causing you to miss out on credit opportunities.

Getting your identity stolen can be a true hurdle to overcome. Most people find out their identity has been stolen when they get credit card statements in the mail that they never signed up for or they’re denied a loan. The worst thing you can do is be passive and do nothing, so call us today to come up with a plan if you think your identity has been stolen. 

Yes. However, you have to have lived in West Virginia for approximately six months before you can file bankruptcy here. However, even if you just moved to West Virginia, it’s still best to call and establish a plan sooner rather than later, and it costs nothing to speak with an attorney.

Call us immediately. This could be evidence of identity theft or an unauthorized use of your credit account. Generally speaking, if you see an unauthorized charge on an account you regularly use, you should immediately dispute the charge with your bank or credit provider. On the other hand, if you receive a collection letter in the mail for a debt you do not owe, call us to discuss your options – that collection letter could be evidence of a bigger problem.

Call our office today to schedule an appointment with an attorney at no cost to you in order to come up with a plan that protects your rights. 

Yes. If you or a loved one have been injured due to someone else’s negligence, call our office today to schedule a free consultation and discuss your options. Often, people injured due to someone else’s irresponsibility have medical bills and other financial concerns that go part and parcel with the injury because they’ve had to miss work or pay for things they otherwise may not have had to pay but for someone else failing to take responsibility. That’s what insurance is for, but when insurance won’t pay, you need to hire an attorney.

We have worked with lawyers all over the state to get justice for our clients, and we’re happy to help you, too. Call us today if you have been injured due to someone else’s irresponsibility.

Call us immediately. If we can’t help you, we know who can. But every single day you wait, the statute of limitations ticks by, and you could potentially lose your ability to bring a lawsuit if you wait too long (some statutes are as short as one year). Call us today to speak with an attorney at no cost to you. 

Call the Broadwater Law Group. Steve Broadwater, the firm’s founding member, has been fighting the good fight for over thirteen years. During that time, he has been active within the West Virginia Association for Justice and the American Association for Justice, the preeminent organization for attorneys representing injured people and people who have had their consumer or constitutional rights trampled upon. Call today to schedule an appointment with Steve and find a lawyer who will help you find justice. 

Write everything down. Keeping a written record (like a journal) of everything that happens is an excellent way for you to preserve evidence if you think you may have a legal case, regardless of whether it's for illegal debt collection or any other potential matter.

Call us today for a free consultation to determine if you may have a legal claim for illegal debt collection, harassment, or any other potential consumer claim.

It depends, but the vast majority of people who file bankruptcy are able to keep their homes as long as they continue to make the regular monthly payments. Call us today to learn if you can protect your home in bankruptcy.

It depends on your situation, but the vast majority of people who file bankruptcy and want to keep their vehicle are able to do so as long as they continue to make the regular monthly payments. Many people also give up their car if they owe significantly more than the vehicle is worth.

Call us today to learn if you can protect your car or get out from under the loan in bankruptcy.

Call us immediately. If we can’t help you, we know who can. But every single day you wait, the statute of limitations ticks by, and you could potentially lose your ability to bring a lawsuit if you wait too long (some statutes are as short as one year). Call us today to speak with an attorney at no cost to you. 

Call the Broadwater Law Group. Steve Broadwater, the firm’s founding member, has been fighting the good fight for over thirteen years. During that time, he has been active within the West Virginia Association for Justice and the American Association for Justice, the preeminent organization for attorneys representing injured people and people who have had their consumer or constitutional rights trampled upon. Call today to schedule an appointment with Steve and find a lawyer who will help you find justice. 

The statute of limitations refers to the amount of time you can be sued for any given cause of action. For debt, that amount of time can be four, five, or 10 years, depending on the type of debt. Also, be aware that in some circumstances and jurisdictions, making a payment can restart the statute of limitations.

Call our office if you are considering making a payment on an account that you haven’t paid on for months or years. 

Yes. In West Virginia, the statute of limitations on medical debt may vary. Depending on the type of medical debt, the statute of limitations could be as short as four years. This means that after four years, you no longer have any legal obligation to pay.

However, not all medical debt is the same, and other factors can impact whether or not your obligation to pay has ended. Call our office to determine whether or not someone is trying to collect time-barred debt from you. 

Yes. In West Virginia, the statute of limitations on auto loan debt is usually four years. This means that after four years, you no longer have any legal obligation to pay.

However, not all auto loan debt is the same, and other factors can impact whether or not your obligation to pay has ended. Call our office to determine whether or not someone is trying to collect time-barred debt from you. 

Generally speaking, debt collectors may call other references in order to find a working telephone number for you, but cannot disclose that they are attempting to collect a debt. You also have the right to tell the collector not to call anyone else. Call us today if you think a debt collector is calling your work or telling others that you owe a debt.