| Subject | Date Asked | Expert |
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| notification of debt | 9/4/2008 | Apex Credit Services, LLC |
Q: Is there any requirement that a creditor must notify you of a debt? We received a collection notice ...
A: Lisa: In short, no, unless they send you a dunning letter. If so, then yes, within five days ...
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| partial payments | 9/4/2008 | Apex Credit Services, LLC |
Q: I received a hospital bill for close to $900 from Saint Christophers Hospital for Children in ...
A: Danielle: Generally, yes, they can send you to collections. You may have some footing if you ...
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| statute of limitations | 9/4/2008 | Jason Barnette |
Q: i am being sued by a company that bought a credit card debt. According to the credit bureau, the ...
A: Cameron: There are many laws that concern the collection of debts; FDCPA, FCBA, etc. However, ...
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| unsecured credit cards | 9/4/2008 | Jason Barnette |
Q: I am 22, and lost my job, cant find work in this small country town, and have all my unsecured ...
A: William: I cannot advise you as to whether to file BK without knowing the amount of the cards. ...
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| summons from a collection agency/law firm | 9/4/2008 | Ray A Miller |
Q: I recieved a summons for credit card debt in new york state. It gave no court date to appear just ...
A: Yes--If it had no date on it, how would you know how long you had to respond and without it being ...
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| summons from a collection agency/law firm | 9/4/2008 | Ray A Miller |
Q: I recieved a summons for credit card debt in new york state. It gave no court date to appear just ...
A: You need to send both of these "attorneys" a certified letter disputing the debt and asking for ...
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| Car finance | 9/3/2008 | Ray A Miller |
Q: I financed a car a few years ago while I was in college. I have about 1 year left to pay it off. The ...
A: There is no way that I know of to "turn a car in" and keep a repossession from showing on your ...
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| Looking for some advice | 9/3/2008 | Apex Credit Services, LLC |
Q: My Bank is suing me over a credit card. I went to the bank after I lost my job and before I started ...
A: Mendi: Empty that account immediately for they will levy it if they get a judgment. Otherwise, ...
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| Unpaid cell phone Judgment | 9/3/2008 | Jason Barnette |
Q: In 2003, i was living in Georgia i received a huge bill of my cell. I called customer service and ...
A: Mack: 1) The Georgia SOL would apply. They must domesticate the judgment in California. I would ...
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| Debt Collection | 9/2/2008 | Creditwrench |
Q: I purchased a vehicle in 01/2003 in 05/2005 I became ill and could no longer afford the vehicle due ...
A: You situation is a bit confusing because SC law says that written contracts are 10 years and ...
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| collection | 9/2/2008 | Michael Brotherton |
Q: I have a judgment against a mortgage bank. How do I collect it?
A: Good question. I would need some background information concerning the judgment but I will try to ...
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| LVNV funding | 9/1/2008 | Jason Barnette |
Q: I recently checked my wife's credit report and found that LVNV funding is placing old (contested) ...
A: David: It certainly isn't legal insofar as it is a violation of the FDCPA. Dispute it through ...
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| harrassment | 9/1/2008 | Ray A Miller |
Q: Mr.Miller;I have many debt collectors calling me.I am disabled and on s.s.disibility only.I have no ...
A: Bobby: According to the FDCPA, any action taken by a debt collector to make a consumer feel ...
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| Received a court summons today | 8/31/2008 | Creditwrench |
Q: I received a court summons today from a law firm representing Midlands Credit Management. After ...
A: If they haven't filed the case but sent you papers that allege that they did that could be a ...
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| What if a collection refuse to answer | 8/31/2008 | Ray A Miller |
Q: What if a collection agencey refuse to answer a letter you sent asking to verify the dept. What can ...
A: If the collection agency does not answer the credit reporting agencies with in 30 days, the item is ...
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| Vacated judgment | 8/31/2008 | Michael Brotherton |
Q: Last year 2007, I received a judgement for an outdated account from a collection lawyer. My lawyer ...
A: The credit bureaus have 30 days to verify the disputed information. If it is a civil judgment they ...
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| FAber and Brand says FDCP doesnt apply and wont send me info?? I need help. | 8/30/2008 | Creditwrench |
Q: I need help bad. I opened a credit card with advanta bank 3 under my name . It was a card they would ...
A: Thats a lot of hopes you have there but you might as well hope they get hoof and mouth disease or ...
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| Im completely condfused and need help regarding the FDCPA | 8/30/2008 | Ray A Miller |
Q: need help bad. I opened a credit card with advanta bank 3 under my name . It was a card they would ...
A: Unfortunately, the FDCPA does not regulate this type of transaction. I still want to try to help in ...
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| Minor | 8/30/2008 | Michael Brotherton |
Q: My name is Adrian, and I live in Oregon. About 6-7 months ago, I received a credit card application ...
A: Have your parents write a letter to the credit card company informing them that you are under age ...
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| Minor | 8/30/2008 | Ray A Miller |
Q: My name is Adrian, and I live in Oregon. About 6-7 months ago, I received a credit card application ...
A: Adrian, I want to be able to help you with this but, I need a little more information such as: ...
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| Paying off a Judgement | 8/29/2008 | Ray A Miller |
Q: I wish to pay off a public records judgement from the state of OH (live in NY now) from 2002. The ...
A: You are right to be cautious. You appear to want to do the right thing but, I do not want you to be ...
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| FAber and Brand says FDCP doesnt apply and wont send me info?? I need help. | 8/29/2008 | Creditwrench |
Q: I need help bad. I opened a credit card with advanta bank 3 under my name . It was a card they would ...
A: I asked the question because if it is a consumer debt or you actually used the card for personal ...
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| Settling Debts with Collection Agencies; or Filing Chapter 13? | 8/29/2008 | Creditwrench |
Q: I have a specific question for you about my debt situation. To explain; I am the single Mom of an ...
A: Well,it seems obvious to me that you have already seen how much the credit card companies have ...
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| loan help | 8/29/2008 | Michael Brotherton |
Q: I purchased a car, but after years of on-time payments could not make the last 5 payments($1,800 ...
A: Just because the account is written off does not make it uncollectible. This is just an accounting ...
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| We asked the Collections agency to stop drafting our bank account | 8/29/2008 | Ray A Miller |
Q: At the end of July, my husband called GC Services LP to let them know that he has no more money to ...
A: Send a certified letter to GC Services, by certified mail, demanding that they stop drafting your ...
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| mediation | 8/29/2008 | Creditwrench |
Q: Do I have to attend court-ordered mediation sessions? I do not want to attend this mediation. Thanks
A: No, you don't have to attend the court ordered mediation. But failure to attend is likely to make ...
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| repossession | 8/29/2008 | Ray A Miller |
Q: We have fallen behind on loan payments due to our hours at work being cut back, but we were ...
A: I am going to make some assumptions so, please correct me if I am wrong. Assumption 1: The ...
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| statute of limitations defense | 8/29/2008 | Creditwrench |
Q: The statute of limitations on open end accounts in my state is three years. Will a recent credit ...
A: A judge may or may not consider that to be reliable evidence. I really don't know of any instance ...
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| Credit Card Responsibility | 8/29/2008 | John G. Watts |
Q: My mother recently died. I since have been contacted by credit card collection people regarding ...
A: Edward, Were you or your brothers/sisters the cardholders? Were you authorized users? The general ...
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| Nationwide Credit | 8/29/2008 | Creditwrench |
Q: American Express has sent my account to Nationwide. Nationwide says they won't accept monthly ...
A: But then said I shouldn't pay American Express and would have to pay Nationwide. I'm confused. If I ...
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| What if a collection refuse to answer | 8/28/2008 | Ray A Miller |
Q: What if a collection agencey refuse to answer a letter you sent asking to verify the dept. What can ...
A: Send a certified letter to the collection agency disputing the debt and asking for verification. ...
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| Capital One Bank | 8/28/2008 | Creditwrench |
Q: My husband, before we were married, got a credit card with a limit of $500.00 from Capital One ...
A: First of all, what state do you live in? When did your husband make his last payment to Cap One? The ...
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| Debt | 8/28/2008 | Ray A Miller |
Q: Mr Miller, I have a question reguarding my debt and debt collections. I have been told many ...
A: You should definitely pay your debts. Call the collection agencies and offer to settle the bills in ...
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| Judgement | 8/28/2008 | Creditwrench |
Q: I had a judgement place against me and is still on my credit for almost 5 years now. It was a ...
A: No, you didn't do the right thing. So let's start with gathering a couple of facts. 1. What state ...
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| repossessed motorcycle | 8/28/2008 | Apex Credit Services, LLC |
Q: My motorcycle was repossessed recently..It was sold for $3,800.00 by Eastern Powersports, East ...
A: Harold: Yes, under Article 9 you are responsible for the judgment deficiency. You can ...
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| RE:Notice of right to Have Exemptions Designated | 8/28/2008 | Creditwrench |
Q: I received this court paper from the sherriff and i dont know what to do.Im being sued for the money ...
A: There are some things I need to know before I can help you. I need to know what state you are in and ...
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| Credit Card | 8/28/2008 | Ray A Miller |
Q: I stopped paying my Credit Card dues 2 yrs back (State bank of India), the credit limit was 26000 ...
A: I would not worry about your parents being involved unless they signed for you to get the card or ...
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| Spousal Obligations | 8/28/2008 | Jason Barnette |
Q: My wife recently was served a summons by the local magistrate office. We live in Pennsylvania, ...
A: Terry: I do not know the specifics of PA law in this area but, I believe you to be right based ...
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| Default Judgement, Never Received Summons | 8/28/2008 | Michael Brotherton |
Q: I live in Massachusetts. My father brought a letter to me (unopened) that is from a law office in ...
A: You may file a motion to set aside the judgment due to the fact you have never been served and it ...
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| t mobile fee | 8/27/2008 | Ray A Miller |
Q: I had t-mobile for a while, well beyond the 2 year period. I initially had (4+ years)a smart access ...
A: First of all, escalate this above the local level. Try this web site: ...
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