| Subject | Date Asked | Expert |
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| Sued by Midland Funding | 7/8/2009 | Jason Shear |
Q: I was served a debt collection lawsuit by a NYC collection law firm a couple of months ago. I filed ...
A: John: No, there are no fees to bring Motions in the City Courts within New York State. If you have ...
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| Sued by Midland Funding | 7/8/2009 | Jason Shear |
Q: I was served a debt collection lawsuit by a NYC collection law firm a couple of months ago. I filed ...
A: John: Good question. Debt buyers in particular may have little evidence to establish their case, ...
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| debt collector obtaining my credit report without consent | 7/8/2009 | Creditwrench |
Q: Can a debt collector obtain my credit report and send me a letter statng they see I have a recent ...
A: Statute of limitations in Oklahoma on doc bills is the same as it is for any other written ...
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| Will the bank charge off my credit debt or sue me? | 7/7/2009 | Creditwrench |
Q: I lost my business a year ago because a this bank was being proactive and cut my credit limit that I ...
A: Forget about charge off. That is an internal bookkeeping function and really has little to do with ...
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| garnishment | 7/7/2009 | Creditwrench |
Q: what federal law covers the garnishment of my ssdi veterans compensation and mil and federal ...
A: That is true. It isn't a question of what federal law says they can't garnish pensions because that ...
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| Notice of right to cure | 7/6/2009 | Chris Ebert |
Q: I received a notice of right to cure on an motorcycle loan. I made the payment they asked for but it ...
A: Lori, If the loan company repossess the item then usually you are given a redemption period in ...
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| Medical Bills | 7/5/2009 | Creditwrench |
Q: I hope you can help us. We live in Nebraska and are the kind of people who pay our bills. In ...
A: So you are from Nebraska, eh? What town? I was born and raised in Seward County. Goehner to be ...
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| Dental Billing | 7/4/2009 | Chris Ebert |
Q: A few days ago I received a bill from my dentist for services rendered in early 2007 - roughly 2 1/2 ...
A: Alteon, The short answer is you are liable for your debts. A creditor (in California and Texas) has ...
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| Medical billing | 7/4/2009 | Creditwrench |
Q: I have a medical bill that has been turned over to collections. Can the charge me with finance ...
A: Yes, they can and if you think that is bad just wait. The worst is yet to come. If you pay them they ...
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| Collection calls | 7/2/2009 | Chris Ebert |
Q: I just received a call from a marketing firm stating that they are lawyers. The representitive ...
A: Joann, First, in Texas and California creditors (or their attorney's) have 4 years from the date of ...
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| How to respond to a Summons & Complaint | 7/2/2009 | Creditwrench |
Q: I received a Summons from the Searcy District Court- Searcy district from C/O Hosto, Buchan, Prater ...
A: I can't tell you how to answer it in this forum but I can teach you how to do it. But tell me ...
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| Dimissal | 7/2/2009 | Jason Shear |
Q: I recently was summoned to court for an outstanding credit card debt, the Judge ordered that both ...
A: Gary: Good question. Yes, they can still sell this debt to another debt buyer. However, the Order ...
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| Collection debt | 7/1/2009 | Creditwrench |
Q: I am 6 months delinquent on a credit card balance. I have been trying to get my house out of ...
A: So they said you had to pay them the entire amount or they will take you to court and take your ...
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| Sewer service | 6/30/2009 | Jason Shear |
Q: I have been contacted repeatedly on my message machine by a firm called Forster and Garbus in New ...
A: Melanie: Yes, this is something I can assist you with. Thank you for contacting me. If they do ...
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| summons | 6/30/2009 | Creditwrench |
Q: I have been unemployed for a year, and was unable to pay the two credit card debts that I have. I ...
A: How did you receive the summons? Was it served upon you by a sheriff or a process server or was it ...
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| Deceased grandmother and credit card bill | 6/30/2009 | Creditwrench |
Q: My grandmother has been dead for over 2 years and today I noticed in the Cuyahoga County Court ...
A: Best solution to this problem is to get the money however you can and pay it off. They can get a ...
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| Debt collectors & Social Security checks | 6/30/2009 | Creditwrench |
Q: I`m in Oklahoma. I understand social security benefits are exempt from a debt collector attempting ...
A: The law it refers to is a NY law and NY law has no bearing or effect on what happens or what is ...
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| sued by debt collector | 6/30/2009 | Creditwrench |
Q: I read with interest your response to an individual being sued by Blitt and Gaines in IL several ...
A: I've never seen the documents you need on line. A few of them are. Certificates of mailing are on ...
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| Collection Agency Fees | 6/30/2009 | Chris Ebert |
Q: A voice mail was left on my phone stating a case number and 800 number for me to call. I called back ...
A: I understand that this seems like a lot of overcharge but depending on the original contract plus ...
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| lawsuit | 6/30/2009 | Creditwrench |
Q: In 2006 a person came to my mother's door to serve court papers against me. Not only have I not ...
A: That's not a valid reason to complain about the fact that they didn't get good service. Your mother ...
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| sued by debt collector | 6/29/2009 | Creditwrench |
Q: I read with interest your response to an individual being sued by Blitt and Gaines in IL several ...
A: First of all I can assure you that a hearing in 15 days isn't likely to occur for many reasons. I ...
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| Debt collectors & Social Security checks | 6/29/2009 | Creditwrench |
Q: I`m in Oklahoma. I understand social security benefits are exempt from a debt collector attempting ...
A: As you probably know, I'm in Oklahoma too. OKC. Where did you come up with the idea of the Exempt ...
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| Collection Agency Fees | 6/29/2009 | Chris Ebert |
Q: A voice mail was left on my phone stating a case number and 800 number for me to call. I called back ...
A: Crystal, You are experiencing a classic collection situation. Yes, your unpaid debts can be sold to ...
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| Debt Collection Practices | 6/27/2009 | Apex Credit Services, LLC |
Q: I recently loss my job and contacted my car loan company that I would be late on my payment and gave ...
A: Hope: If it's the original creditor, no. If it is a debt collector, yes, you can write them a ...
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| Payday Loan | 6/26/2009 | Barnette Law Offices, LLC |
Q: I took out a online pay day loan from a company based out of TX. I've fallen behind on my payments, ...
A: Brian: No, it is merely a breach of contract which is a civil matter. If you're in Tennessee, ...
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| credit | 6/25/2009 | Chris Ebert |
Q: "Hello, thank-you for your time. My name is Jeff, we moved from Texas 3 years ago (2006),to Hamilton ...
A: Jeff, The short answer is "yes" it is possible that they could sue in Canada. They would be subject ...
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| Calls | 6/25/2009 | Chris Ebert |
Q: How many times in one day can a person call from a financial company? Citifinancial Auto How can you ...
A: Danielle, I am not sure that there is a specific number of calls that the law allows. If you want ...
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| Credit score without SSN | 6/25/2009 | Barnette Law Offices, LLC |
Q: I am an international student without SSN. In the past I had an incident where I did not pay a bill ...
A: KB: You may already have a credit report if the debt collector reported it under your name and ...
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| Credit score without SSN | 6/25/2009 | Chris Ebert |
Q: I am an international student without SSN. In the past I had an incident where I did not pay a bill ...
A: KB, The short answer is that it could should up on your credit report with your new social at some ...
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| Summons | 6/25/2009 | Creditwrench |
Q: I/we were just served a summons yesterday 6/24.Chase is the account holder.We owe them about ...
A: click here to enlarge It really makes no difference what the circumstances were or are now. You ...
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| Voluntary repossesion | 6/25/2009 | Creditwrench |
Q: My wife and I had a loan for a Buick van which we had to turn back into to the finance company. This ...
A: You are in for a hard time of it to say the least. They will hound you for a while. You need to ...
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| CREDIT CARD SETTLEMENT COMPANIES | 6/25/2009 | Ontrack Financial Group llc |
Q: What should you do if you have invested over $3500 in a debt legal settlement company but then they ...
A: As an unsecured creditor you're pretty much at a loss. You can file a claim with the bankruptcy ...
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| Collection abuse | 6/25/2009 | Barnette Law Offices, LLC |
Q: I need advice regarding a letter I received yesterday. In 2004, my husband and I suffered a ...
A: Helen: Maybe but, you could plead res judicata and collateral estoppel. Doubtful it would work ...
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| cease and desist , Bank of America | 6/24/2009 | Barnette Law Offices, LLC |
Q: My wife and I both owe money to B of A, we both are unemployed now and can't afford the c.c. bills. ...
A: Richard: Under federal law, a letter informing an entity to cease communications only applies to ...
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| civil summons | 6/24/2009 | Ontrack Financial Group llc |
Q: Recently my husband has become unemployed, he was self employed in a small business, economy forced ...
A: What you should know about debt defense:
1. If you defend your case, the plaintiff ...
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| Credit card arbitration | 6/24/2009 | Creditwrench |
Q: My husband and I owned a business that closed in 2004 and we had a balance on a capital one business ...
A: You can file against them for any violations of FDCPA that they might have committed. For instance ...
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| summons | 6/24/2009 | Creditwrench |
Q: I left my a storage warehouse owing some back rent. I thought I had paid first and last months rent ...
A: It really makes no difference what the circumstances were or are now. You have a summons and ...
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| civil summons | 6/23/2009 | Creditwrench |
Q: my husband owned and operated a small remolding business for several years. due to the economy he ...
A: Above all, keep your home mortgage up to date and don't worry about those other debts. You can work ...
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| lein/collection agency | 6/23/2009 | Barnette Law Offices, LLC |
Q: I had surgery 12/08 (auto accident) the Dr insisted on going on the lien. I had to pay him 5000.00 ...
A: Kiki: You have two options. One, you can dispute all those tradelines through the credit reporting ...
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| Account charged off as bad debt | 6/23/2009 | Creditwrench |
Q: I have copies of my credit report from Equifax and Transunion. I had a account with Sears Roebuck in ...
A: You are 97 years old and thinking of filing bankruptcy? OH PLEASE GIVE ME A BREAK. No, in fact it's ...
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