| Subject | Date Asked | Expert |
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| lien | 11/24/2009 | Regan Shinski |
Q: I filed bankruptcy on beneficial in oklahoma in 2001. I purchased some property in 2004 and love ...
A: Bobby: In general, they are not able to. This is assuming the lien is for a qualified debt that ...
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| Inital Contact | 11/24/2009 | Regan Shinski |
Q: I have a collection notice on my credit report dated back to 10/2008. I was never contacted/notified ...
A: You are in a common but difficult position. Technically, through the Fair Debt Collections Practice ...
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| written contract limitations | 11/24/2009 | Regan Shinski |
Q: I live in Florida and I see that the limitations for written contracts is 5 years. I keep getting ...
A: First off, if these are third-party collection agencies, you can stop the calls with a simple cease ...
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| medical bills | 11/24/2009 | Ontrack Financial Group llc |
Q: My wife and I have a couple thousand in medical bills and the clinic is both threatening collections ...
A: I would like to discuss your options, as this system is a little impersonal. Please copy and ...
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| Credit card debt | 11/24/2009 | Mike Janakes |
Q: I received a summons in Louisiana for a credit card debt. what do I do?
A: Debra, You have few options. If you've been served with a "court summons", you must appear. If ...
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| Payday Loans | 11/23/2009 | Mike Janakes |
Q: My 72 year old mother in SC has somehow managed to get herself into a huge mess. She has a total of ...
A: I just answered another question regarding Payday Loans. Since the answer is the same, I'm going to ...
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| car title pawn | 11/21/2009 | Jack Hall |
Q: Can I be arrested for not surrendering my car to the car title pawn. There repo man called at ...
A: He is bluffing. There will be no arrest warrant. However, he will be back to try to find your car ...
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| Repo | 11/21/2009 | Regan Shinski |
Q: I got a car loan last year and i always made my payment ontime right now i'm 45 days late on my ...
A: I'm sorry you are in a difficult situation. The best case scenario is to make the loan current, pay ...
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| Response to complaint answer | 11/20/2009 | Mike Janakes |
Q: I am being sued due to a deficiency balance on a vehicle that was repossessed 2.5 years ago. The ...
A: Good question, actually. Believe it or not, it's probably the attorney. The attorney has less money ...
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| Ohio debt collection | 11/20/2009 | Jason Barnette, Esq. |
Q: I lost my job and subsequently my home foreclosed (I'm single, no dependents). I'd taken out a loan ...
A: Deborah: All they can do is sue you. You seem judgment proof insofar as you have no assets. In ...
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| Response to complaint answer | 11/20/2009 | Mike Janakes |
Q: I am being sued due to a deficiency balance on a vehicle that was repossessed 2.5 years ago. The ...
A: Robert, I'd contact them now. Again, every time the do something it can potentially be added to ...
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| pay day loans. | 11/20/2009 | Jack Hall |
Q: "I live in NY and had some payday loans that I was unable to pay back due to a bank account issue. ...
A: It is not a felony. It is not a misdemeanor. It is not a crime. period. They could sue you ...
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| being sued by LVNV | 11/20/2009 | Regan Shinski |
Q: I have a credit card debt that has been sold to LVNV and I have received a summons to appear in ...
A: Rich: You can't go to jail under ANY circumstance unless you committed a crime. The only possible ...
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| pay day loans. | 11/20/2009 | Jack Hall |
Q: "I live in NY and had some payday loans that I was unable to pay back due to a bank account issue. ...
A: She is lying just trying to get you to pay. Don’t pay her or her company anything. This involves ...
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| Response to complaint answer | 11/20/2009 | Mike Janakes |
Q: I am being sued due to a deficiency balance on a vehicle that was repossessed 2.5 years ago. The ...
A: Robert, In most states, a creditor who has followed the proper procedures for repossession and sale ...
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| Gov. backed loan for a trade school in 1987 | 11/20/2009 | Mike Janakes |
Q: I went to a medical assisting trade school in Austin,TX in 1987. The school was closed for a couple ...
A: Sharlotte, Wow. What a story. Ok, first there's the issue of statute of limitations. Federally ...
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| Transfer auto loan to a collector | 11/20/2009 | Regan Shinski |
Q: I received a letter from ACC finance that my loan was given to a collection agency was not late on ...
A: I'm not sure. It depends on exactly what happened. If the creditor is just using a third-party to ...
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| How do I know if I owe this debt? | 11/19/2009 | Creditwrench |
Q: I received a letter from a debt collector (any many phone calls) regarding a debt they say I owe for ...
A: I'll tell you a great way to really screw up your good credit rating. JUST PAY IT OFF AND SEE WHAT ...
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| False swearing on a lien | 11/19/2009 | Jason Barnette, Esq. |
Q: In general, what is the disposition of courts when it can be demonstrated that a person, having ...
A: Richard: The lien would be removed and the person committing perjury may be prosecuted unless he ...
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| False swearing on a lien | 11/19/2009 | Mike Janakes |
Q: In general, if a person, in swearing to the truth and accuracy of a lien filing, is found to have ...
A: Court proceedings aren't technically my field of expertise, but in my experience if you have ...
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| Repo | 11/19/2009 | Regan Shinski |
Q: I purchased a car in Florida that I can no longer afford. I recently registered it in Texas (where ...
A: I'm sorry you are in this situation and they won't negotiate further. You really don't have a lot ...
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| Order for a Pretrial Conference- | 11/18/2009 | Creditwrench |
Q: I have received an Order For Pretrial Conference for a credit card debt that has been sold to Arrow ...
A: If your answer consisted of a demand that they prove they represent Arrow or anybody else then you ...
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| Response to Interrogatories | 11/18/2009 | Creditwrench |
Q: I got a summons on a debt I owe to the Bank of America for approximately $10,000 in September of ...
A: You need to be able to prove when you made your last payment to the creditor,Add 30 days to that and ...
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| double "negative" reporting on credit report | 11/18/2009 | Regan Shinski |
Q: I had a collection on my report from 2003 which was due to come off in February 2010. About 5 months ...
A: If it is truly a debt with the date of first delinquency in 2003, it should fall off 7 - 7.5 years ...
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| Answering a Civil Summons in GA | 11/17/2009 | Creditwrench |
Q: I am being sued by a credit card company. The card started out with Providian Financial and went ...
A: You need to go to my blog at http://creditwrench.com and see the response to just about the same ...
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| Capital One | 11/17/2009 | Ontrack Financial Group llc |
Q: I have gotten several letters from lawyers telling me I am being sued by Capital One, yet I have not ...
A: What you're receiving is the equivalent to ambulance chasers. Bankruptcy attorneys are raiding ...
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| Medical bill that was in collection and now has court date | 11/17/2009 | Creditwrench |
Q: I gave birth October of last year and at the time I did not have insurance. I was able to self pay ...
A: I'd say that since it is for your child you are both responsible however since you live in Florida ...
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| garnishment | 11/17/2009 | Regan Shinski |
Q: Two Questions: 1- I just recently won a case for a judgement. How do I place a judgement on a ...
A: You, personally, cannot place the judgement on a consumer's credit report. However, it will likely ...
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| unsecured credit | 11/17/2009 | Regan Shinski |
Q: The last question that I have is how can an unsecured line of credit such as a credit carding win a ...
A: You are confusing secured credit with a court ordered judgement. Secured credit is for things like ...
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| foreclosure | 11/17/2009 | Jack Hall |
Q: I live in PA (overseas in Australia now); can a creditor for credit card debt have the right to take ...
A: Technically speaking, if a creditor had a judgment against you it would be ajudicial lien against ...
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| Tenant Laws | 11/16/2009 | Chris Ebert |
Q: I had to evict a tenant in Texas with a home I own. They currently owe me 5000 and I would like to ...
A: Ms. Lockett, You have brought up a few issues here. Let's take them one by one. 1) Collection -- ...
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| Telephone harassment by creditor | 11/16/2009 | Regan Shinski |
Q: I would like to know what to do about this: For more than 3 months (as long as I've had my new ...
A: This kind of falls under the category "I know it's annoying but not big enough to do anything ...
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| 3 year old debt | 11/16/2009 | Creditwrench |
Q: when I was 19-20 years old, I opened a credit card with Chase Bank and maxed it out (I know, dumb ...
A: Sorry to hear of your problems. I'm sure you really didn't need this one added on to the rest of ...
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| Letter of Protection/Collections | 11/16/2009 | Regan Shinski |
Q: My wife was involved in a car accident in which the other driver was cited. She had injuries and was ...
A: This really depends on what you are calling a "Letter of Protection." This term has kind of grown ...
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| Sued by original creditors for credit card debt | 11/16/2009 | Creditwrench |
Q: I live in Illinois, and I was sued by Chase, Discover, and Citibank for credit card debt. I was ...
A: Filing BK is never a good idea. Too expensive and too many problems that can't be resolved by BK. ...
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| Old .. BofA account that I thought was long gone! | 11/15/2009 | Creditwrench |
Q: .... Im worried sick about this. I had a 3000 Dollar credit card from Bofa. Six years have gone by ...
A: Six years have gone by since you made your last payment to the creditor? Arizona statute of ...
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| exemptions from garnishment | 11/14/2009 | Regan Shinski |
Q: I live in Florida and am currently unemployed and collecting unemployment.I have approximately ...
A: Certain things are at risk. You can claim up to $1,000 in personal property, primary place of ...
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| Garnishment | 11/14/2009 | Jack Hall |
Q: Can a debt collector or attorney garnish unemployment compensation or freeze your bank account ...
A: This is not necessarily a yes or no question. First, some states, and I believe Florida might be ...
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| Landlord Tenant collections | 11/13/2009 | Jack Hall |
Q: I recently moved out of an Apartment in KY, having satisfied the lease terms and agreements. I ...
A: You should write them a letter and tell them exactly what you have said here (that you left the ...
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| Loan Sent To Collections After Bike Was Reported Stolen | 11/13/2009 | Regan Shinski |
Q: I had a 2007 Kawasaki ZX6R motorcycle. I had purchased it from a dealer "new" in California. I had ...
A: For the record, they are under no legal obligation to delete accurate information - which it sounds ...
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