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Collections Law/Questions Answered by Expert Ray A Miller
| Subject | Date Asked |
| Medical Bill Dispute | 2/8/2012 |
| Q: I received a hospital physician bill for services rendered on March 30, 2010. I was extremely ... A: You can never tell what will hold up in court. Write the doctor a letter telling him/her that you ... | |
| collection agency suing me for $2000 | 2/2/2012 |
| Q: I live in California and I am being sued by Legal Recovery law offices on behalf of Wells Fargo for ... A: Usually the law firm has purchased the account. If they have deal with them. If not, deal with the ... | |
| collection agency suing me for $2000 | 2/2/2012 |
| Q: I live in California and I am being sued by Legal Recovery law offices on behalf of Wells Fargo for ... A: Once a bill gets to this point, they will usually settle it for around 50%. If you can not afford ... | |
| credit card collections | 1/26/2012 |
| Q: I have been receiving letters and phone calls from an attorney's office representing a credit card ... A: Well, to pay the settlement is the right thing to do but, if you want the calls to stop, send them a ... | |
| Comcast Billing Dispute | 1/24/2012 |
| Q: Miller: My mother was a long-time customer of Comcast. I lived with her and took care of her. On ... A: What a dirty trick. Dispute the debt with them explaining that you never agreed to be the account ... | |
| Consent Order Judgment | 1/23/2012 |
| Q: If I entered into a consent order with a law firm that represented themselves as being the attorneys ... A: Unless you get an attorney and he or she can get this thrown out, yes, if you miss a payment the ... | |
| Consent Order Judgment | 1/23/2012 |
| Q: If I entered into a consent order with a law firm that represented themselves as being the attorneys ... A: This "order" if it exist, should be recorded in the court house of the county in which you live. ... | |
| Consent Order Judgment | 1/23/2012 |
| Q: If I entered into a consent order with a law firm that represented themselves as being the attorneys ... A: Did they tell you any of this in writing? This will be hard to prove since they purchased the debt. ... | |
| Wrongfully Sent to Collections | 1/21/2012 |
| Q: Back in 2006 I was in a car accident. While at the Hospital they dropped me and I had to receive ... A: First, dispute the items on your credit reports, in writing with the same explanation you gave here. ... | |
| Payday Loan default | 1/7/2012 |
| Q: I received a phone call from a Mr. Evans @ stating he was from a company called American. Said he ... A: Get all of the information possible on the company and report them to the BBB, Consumer Affairs and ... | |
| Old Medical Bill | 12/15/2011 |
| Q: I am trying to find out if I am liable for a medical bill that has a date of service of 2/2006 and ... A: The first thing I would do is call the doctor's office and see what took so long for you to be ... | |
| collection | 12/9/2011 |
| Q: I have a small sewing business out of my home. I sew and sell mail straps to mail carriers, ... A: Calling someone at work is risky. Since you are a first party collector you can call at work but ... | |
| collection | 12/4/2011 |
| Q: I have a small sewing business out of my home. I sew and sell mail straps to mail carriers, ... A: Before you can do anything, you will have to take her to court and get a judgement. North Carolina ... | |
| Medical Billing Years Later | 11/30/2011 |
| Q: I live in Florida and saw a doctor on 11/29/07. Services were performed on this day. I just ... A: If you gave your doctor's office your insurance information at the time of service, they should have ... | |
| Judgement proof? | 11/29/2011 |
| Q: My wife is set for a day in court next week, Forster & Garbus sueing her for an unpaid Sears ... A: New York is not a community property state so, if she has nothing in her name nor is working, she ... | |
| Arbritration | 11/16/2011 |
| Q: I receive a phone call at my place of business asking where they can serve me? they have been unable ... A: Chase or someone they have sold the account to is trying to sue you over the balance. An ... | |
| old collection | 11/12/2011 |
| Q: .in 2004, my girlfriend was renting a trailer in wisconsin. she was making payments on time. after ... A: You are right, Greentree is awful. The statute of limitations in TN is 6 years. What this means ... | |
| collections | 11/12/2011 |
| Q: I just received a phone call from an attorneys office wanting to collect on an emergency physicians ... A: Yes you can be sued for a medical debt. My suggestion is that you contact the ER Phy group and see ... | |
| Judgement | 11/7/2011 |
| Q: Last Nov. 2010 I received a summons from an attorney concerning a medical bill I received. I called ... A: My first question to you is do you have something in writing stating that you have a payment ... | |
| How statute works after 6 yrs? | 10/28/2011 |
| Q: My fiancé & I are planning to buy a house soon. He hasn't seen his credit report in a decade. Now on ... A: Unless he has a cancelled check or a letter from the agency showing it was paid in full, I am afraid ... | |
| How statute works after 6 yrs? | 10/28/2011 |
| Q: My fiancé & I are planning to buy a house soon. He hasn't seen his credit report in a decade. Now on ... A: a couple of times, to different agencies and evidently, the account number has been reassigned. A ... | |
| Imaging/doctors office/hospital Summons | 10/26/2011 |
| Q: Miller, I live in Idaho, Earlier tonight my husband and I were served with a debt collections ... A: Throw yourself on the mercy of the hospital. Send them a letter asking them to consider this ... | |
| Account Charged Off | 10/21/2011 |
| Q: I had a credit card that I was paying on a monthly basis. I moved from PR to VA in 2006 and ... A: Wow, what a mess. Send Bank of America a certified letter telling them what you have told me and ... | |
| Collection Laws | 10/20/2011 |
| Q: I had a Comcast account back in Jan of 2010 which was closed Mar. 2010 and ended with them sending ... A: It is not against any law that I know of except the laws of accounting. Send them a certified ... | |
| Lab Bill | 10/19/2011 |
| Q: Mr. Miller My Mother Joined a home health care agency in Tucson Arizona her health ... A: This is a tough one because the lab fees are separate from the doctor. Send the home health agency ... | |
| Refused Payment | 10/19/2011 |
| Q: I spoke with the collection agency several times and had disputed a couple of things that they were ... A: If you do not have anything in writing showing a $50.00 per month payment arrangement, I am afraid ... | |
| Dental Statement. | 10/18/2011 |
| Q: We live in Illinois and received a dental office statement, written on it collection and contact ... A: The main thing that needs to happen is that you resolve the debt. Send the office manager a ... | |
| Oklahoma State Taxes | 10/15/2011 |
| Q: Received letter from agency claiming I owe Oklahoma income tax. No previous notification from state ... A: First, sent them a letter asking for an itemized statement of this account. Without this there is ... | |
| statement | 10/14/2011 |
| Q: I purchased a car in 2006 with my ex husband..we divorced, I made the payments on the car until he ... A: Write them a letter demanding a statement of account. If they do not send one, send them one more ... | |
| Ohio Garnishment | 10/11/2011 |
| Q: I am being garnished by a law firm in Columbus, Ohio. My question is, if the account is more than 6 ... A: Call the original creditor and ask them for the date of last activity or the charge off date then ... | |
| Hard Inquires | 10/8/2011 |
| Q: Mr. Miller I recently received a copy of my credit as i am preparing to buy a home on the report ... A: You can complain to the FCC, citing the FCRA in your complaint. What has happened is the original ... | |
| Capital One and NCO 10 years of silence | 10/7/2011 |
| Q: In May 2005, a bill from March of 2000 for $2K was placed the bureau as CHARGE OFF for extenuating ... A: Here is the FL statute of limitations web site: ... | |
| medical bill after two years | 10/4/2011 |
| Q: I received a bill from Mercy Gilbert in April of 2011 for the hospital stay of my sons birth which ... A: There are statute of limitations for using legal methods to collect a bill but I do not know of a ... | |
| Collection Agency Validation Isn't Proof | 10/4/2011 |
| Q: Early this year I cancelled a DSL account with Qwest. They subsequently sent me a mail label to ... A: If you have a signed delivery receipt, send Quest and the collection agency a copy, along with a ... | |
| Timeshare collection | 9/28/2011 |
| Q: Hope you can help. I had a timeshare that unfortunately turned into getting in collection because i ... A: Unfortunately, I do not know of any way to help you on your credit history other than advising you ... | |
| wrongfully sent to collections | 9/23/2011 |
| Q: I have received a letter from a collection agency for $260.45. The agency is collecting from Century ... A: Call the collection agency and tell them you want to pay the debt but due to the circumstances, you ... | |
| assignment of judgement Maryland | 9/9/2011 |
| Q: I just rec'd an assignment of judgement that was filed in MD. It was entered on 8/2/1988 and just ... A: The statute of limitations in MD is 6 years. Write a letter to them contesting this debt and ... | |
| Collection attempt | 8/26/2011 |
| Q: Ray, About 4 yrs ago a collection company tried to get a judgement against me but had no proof that ... A: This debt has been sold to another collector. Send them a copy of the legal paperwork you have plus ... | |
| Explaning Judgement Proof Status | 8/26/2011 |
| Q: I went to court for my 78 yr. old Mom back in March of this year. She is legally blind, has ... A: They are doing what I call fishing. Seeing who they can scare into borrowing money from the family ... | |
| Explaning Judgement Proof Status | 8/25/2011 |
| Q: I went to court for my 78 yr. old Mom back in March of this year. She is legally blind, has ... A: Get the letter you got stating that she is judgment proof and send a copy to the Attorney/Collection ... | |
| collections | 8/25/2011 |
| Q: I am being hounded by a collection agency that claims they are filing a SL1071 on my behalf whatever ... A: The statute of limitations is 6 years in AZ and the date starts from the date of last activity, ... | |
| Incompetent Credit Union | 8/22/2011 |
| Q: My wife and I took out a personal loan from a local credit union for a teacher certification class ... A: Sorry I am last answering this, I have been ill. Send the bank a letter telling them that if they ... | |
| Credit | 8/22/2011 |
| Q: Early July, I began receiving calls for an unknown number, so I didn't answer. After a few days they ... A: Yes there is something you can do about it. Dispute the bill in writing with the company, the ... | |
| attorney fee judgment | 8/21/2011 |
| Q: I have almost a $11,ooo judgment against my credit since 2004 for a former attorney I hired to fight ... A: After an item has been on your credit for 7 years, it will automatically come off. The part I do ... | |
| Debt passed state's SOL | 8/17/2011 |
| Q: Having researched time barred debts and the Pa. SOL, I have yet to find anything that concurs with ... A: The SOL in PA is 6 years and after researching your question, I can not find where death has ... | |
| Law Suit | 8/17/2011 |
| Q: My wife and I are 56 yrs. of age. We had a credit card loan for $10,000 Dollars 4 years ago. Paying ... A: It sounds like you are pretty much judgment proof. If you do not qualify for their hardship ... | |
| Law Suit | 8/16/2011 |
| Q: My wife and I are 56 yrs. of age. We had a credit card loan for $10,000 Dollars 4 years ago. Paying ... A: Number one, do not offer a monthly payment that you are not sure you can pay. As to what you can ... | |
| Medical Billing/Collections | 8/11/2011 |
| Q: Our facility has received a complaint from a patient that we sent to "collections" - stating that ... A: I have researched this and can not find any reference to the law in question. It would be a good ... | |
| med bill | 8/10/2011 |
| Q: our doctor waited 3.5 yrs to send us a bill for dental work.do we have to pay? he said it was his ... A: According to what I can tell, he can bill you. What I would do is offer him 50% to settle the bill ... | |
| Comcast incorrect balance/collection | 8/9/2011 |
| Q: From the fall of 2006 through the spring of 2007, I had an account with Comcast for cable and ... A: I would suggest that you write them a letter and once again state the facts. In this letter let ... | |
| medical debt | 8/8/2011 |
| Q: I have a hospital bill from 2009 when I had mri's and kidney stones. I have been paying the hospital ... A: I can assure you that the collection agency will not turn down any money that you send (and yes they ... | |
| medical collections lawsuit | 8/4/2011 |
| Q: I live in Omaha, Nebraska & have received a letter from a collections company saying they are going ... A: I am not an attorney, so I can not give legal adivce but I can give you financial adivce. Contact ... | |
| wage garnishment | 8/4/2011 |
| Q: I am in NYS and have received two seperate wage garnishments within a month each for 10% of my gross ... A: New York State garnishment laws are subject to limitations in federal laws established to prevent ... | |
| Post Judgement Interrogatories | 8/3/2011 |
| Q: I have a judgement against me for an uupaid credit card balance. The judgement was in April of ... A: I believe you would have an exemption for your truck. If that is all you own, there is nothing for ... | |
| civil summons | 8/2/2011 |
| Q: we recently received a civil summons regarding a discover account. we have 30 days to respond. i ... A: Your best bet is to contact whoever has the account and try to work out some type of arrangements ... | |
| Hospital Bills | 7/28/2011 |
| Q: I live in San Francisco, and 3 1/2 years ago I fell down some stairs at a club and broke my ankle on ... A: Most hospitals have an inhouse charity program. Call the business office and see if you are in time ... | |
| Collection Agency | 7/20/2011 |
| Q: We received a court summons for a charged off and closed credit card account. We made our court ... A: Unfortunately, as many times as he likes. The next time you go, ask to be heard and explain your ... | |
| small claims summons/money due | 7/14/2011 |
| Q: I am being sued by a collection company for $1200. I have no idea who they are or who they are ... A: You have a right under the Fair Debt Collection Practices Act to validation of any debt that is ... | |
| Money Collection | 7/11/2011 |
| Q: My name is F. I live in Lakeland Florida. I own a small lawn and landscaping business. I have 3 ... A: Your best route is small claims court. You will lose them as customers but if they are not going to ... | |
| Bank sales resulting in duplicate entries | 7/11/2011 |
| Q: What is the dispute terminology when a credit card was issued from Bank A which was sold to Bank B ... A: You should write the 3 major credit reporting agencies explaining that this accont is on your credit ... | |
| Wrongful collections | 7/6/2011 |
| Q: After a visit to a medical clinic for an x-ray on my foot that I had injured I received no bills. ... A: Yes there is. Call the clinic and explain in detail what happened. Asked them to call the ... | |
| What will happen?? | 7/4/2011 |
| Q: I'm 22/female. I attended college in GA from 2008-2010. I became unemployed in July 2010 and I was ... A: They can report this to your credit bureau, turn this over to a collection agency and take you to ... | |
| PHD DIDNOT PRECERTIFY HIMSELF AND ANOTHER DR FILED LATE BOTH DRS NETWORK PROVIDERS | 7/3/2011 |
| Q: MY CASE SETTLED SECTION ALL DRS WERE TOLD TO USE MY PRIVATE INSURANCE THEY FAILED TO SEND ANY ... A: In order to get a judgment, they will have to take you to court and it will be a good idea for you ... | |
| doctors office billing a patient | 7/3/2011 |
| Q: I visited an MD on March 29, 2009. I told them that my insurance was expiring on April 1, 2009. I ... A: I hope this office manager is still working at the doctors office. They may be trying to rebill the ... | |
| medical debt summons | 6/20/2011 |
| Q: Ok so here's a little background info on the situation I'm in. I live in Indiana, I have 2 small ... A: My best advice to you is for you to call the credit bureau and offer them the $700.00 as a down ... | |
| Bank Levy | 6/19/2011 |
| Q: Friday evening when I checked our banking account online there was a 1050.00 charge dated 9/15/2011. ... A: The maximum that can be garnished in Virginia is 25% of your total wages. ... | |
| Collection Agency taking more out of account than owed | 6/17/2011 |
| Q: WE entered into an agreement to pay a debt through a collection agency and they took the money in ... A: No this is not legal. Do you copy of the agreement? That would make things a lot easier. Send the ... | |
| Debt Collectors Calling... | 6/15/2011 |
| Q: I have received numerous calls from DCS regarding a relative who is delinquent on his debt. I have ... A: Send them a letter telling them that you have no contact with this person and demand that AGAIN that ... | |
| arguement over bill | 6/14/2011 |
| Q: I live in Iowa. I ordered some plants from Gurney's about 2 years ago, but when they were received ... A: This is a small bill but, they can turn you over to a collection agency, place this on your credit ... | |
| Court judgement | 6/11/2011 |
| Q: I just completed checking my credit report and found that I have a judgement against me. I was ... A: Yes you can still validate the debt since NCO has started calling on the debt. Demand it in ... | |
| attorney letter for medical bill | 6/2/2011 |
| Q: I got a letter from an attorney for a medical bill. It's for co-insurance and deductibles for bill ... A: No they can not put you in jail for a past due debt. I would not think they would take you to court ... | |
| foreign debt | 5/24/2011 |
| Q: I live in Florida and have done for 10 years but a collection agency from Illinois contacted me ... A: Please realize that I am not an expert in English law but it appears that the statute of limitations ... | |
| credit card collection | 5/23/2011 |
| Q: i live in Oklahoma and i got a card on my door the other day and called the number. it was someone ... A: Your next step is to call or write a letter to the collection agency and see if they will still ... | |
| Medical Bill | 5/23/2011 |
| Q: I live in the Arkansas. I have a medical bill of over $1500 after insurance paid their portion. I ... A: Yes they can sue you. The question is will they. I would start by calling the hospital and getting ... | |
| Late billing from unknown Doctor. | 5/20/2011 |
| Q: Today I received a bill from a medical practice for Inpatient Consultation from a medical group that ... A: As far as I can tell, there is no limit on sending a bill in Texas. If I were you, I would call the ... | |
| can a collector file suit without prior contact on the debt | 5/19/2011 |
| Q: I was just served a law suit by a debt collection attorney representing a collection agency that ... A: According to my understanding of the Fair Debt Collections Practices Act, the law suit can be ... | |
| Garnishment Papers Served | 5/18/2011 |
| Q: I am being sued for a credit card that I could not pay since 2005 - - I was unjustly fired from my ... A: It appears that the SOL in Georgia is 6 years and it starts on the date of last activity. You ... | |
| Lawsuit by creditor | 5/17/2011 |
| Q: If a judgement is entered for non-payment of a credit card debt, what exactly can be taken? I am in ... A: The following web site is very helpful: http://www.washoelegalservices.org/lawsuit.htm#property with ... | |
| collections harassment | 5/10/2011 |
| Q: I have been threatened by a so called legal department for Lease Finance Group. They are out of New ... A: They can sue you but they have to do so in Texas. They have to be successful and get a judgment ... | |
| bill 2 years old | 5/10/2011 |
| Q: In 2009 I ordered a product with a 30 day trial period. The payments were to be taken from my ... A: If this has just been turned over to the agency, it is probably not on your credit yet. Once you ... | |
| Collection law / statute of limitation | 5/2/2011 |
| Q: a little over ten years ago, my wife & I got married. A couple of months prior to that she went ... A: The statute of limations in Ohio is as follows: Ohio Statutes of Limitation Written or oral ... | |
| judgement summons | 4/26/2011 |
| Q: I received a summons on an old Chase account. I am not even sure it's mine. It was not on my credit ... A: According to the FDCPA (Fair Debt Collections Practices Act), the creditor/attorney has 30 days to ... | |
| Judgement | 4/20/2011 |
| Q: Since my wife has a creditor judgement now against her, do you know if it is advisable to change our ... A: That might not be a bad idea because this is an asset protection method. You said your wife is ... | |
| Judgement | 4/20/2011 |
| Q: My wife who became permanently disabled about 3 years ago has recently been sued by a creditor and ... A: You are virtually judgment proof but just in case, if i were you, I would seek the advice of an ... | |
| garnishment | 4/19/2011 |
| Q: I owe several creditors thousands of dollars. My only income is Social Security widowers benefits. ... A: I can not say what would happen if the creditor went ahead and filed a judgment, this would be a ... | |
| garnishment | 4/19/2011 |
| Q: I owe several creditors thousands of dollars. My only income is Social Security widowers benefits. ... A: Social Security benefits can not be garnished, even after you deposit it into your account, by ... | |
| Civil Summons in NC | 4/13/2011 |
| Q: I recently received a Civil Summons in the state of NC, city of Asheville for $7000 on a credit card ... A: First of, there is no wage garnishment for debt collection in NC so you can forget that. They can ... | |
| going to court | 4/10/2011 |
| Q: I have a hospital bill from 6 years ago. I was paying it off with a collections agency, but I ... A: What you can expect in court: the judge will want to know if you owe the money. You have stated ... | |
| Default Judgement & Property Seizure | 4/8/2011 |
| Q: I live in the state of Michigan and I received a judgement against me from a credit card company in ... A: Every thing is fair game if a judge so orders liquidation of assets to cover a civil judgement. If ... | |
| 16 yr old debt | 3/31/2011 |
| Q: I live in Ohio and I have a freeze placed on my husband's and I bank account, without notification ... A: http://www.ehow.com/about_6628073_ohio-law-wage-garnishment.html is a web site you will find helpful ... | |
| Medical Bill after 3 years?! | 3/27/2011 |
| Q: My father-in-law received medical services on 1/23/2008 and received a bill with statement date ... A: Yes they can. It could be that they have been billing your insurance company. If I were you, I ... | |
| warrant in debt for paid medical bill | 3/20/2011 |
| Q: I live in Virginia. In the past 2 years, I have undergone 3 surgeries myself and my daughter had ... A: This would be a question for an attorney but, I believe that since they have already filed the ... | |
| 4500 default judgement from discover card | 3/19/2011 |
| Q: i recieved a default judgement 7 years ago had fallen on hard times finacialy from a injury and was ... A: It appears to me that the statute of limitations has run out on this account and you are not ... | |
| Credit card | 3/18/2011 |
| Q: I sent a payment to my credit card company and in the 'for' line I added "balance paid in full" and ... A: Sorry but unless the amount was agreed upon, simply writing paid in full does not make it so. You ... | |
| timeshare | 3/12/2011 |
| Q: I'm a student and a danish citizen, who bought a timeshare in Las Vegas in july 2009 with my ... A: They will eventually foreclose on the time share and sell it. If it does not bring what is owed on ... | |
| GMAC/ALLIED have stolen my money... | 3/11/2011 |
| Q: I've got a leased Chevy through GMAC, now Ally that is up for return or purchase by the 19th. ... A: This is the best advice I can think of to give: get the transaction numbers from your bank showing ... | |
| Possible Law Suit | 3/9/2011 |
| Q: I received a call this evening, regarding a possible law suit against me. I live in Kentucky now, ... A: If your date of payment was in the late 90s, the statute of limitations has run out and the account ... | |
| What to expect when I go to court | 3/8/2011 |
| Q: I talked to you back on Feb 23 about my 78 yr. old Mother who is blind and has Alzheimer's being ... A: Yes, take the paper work with you as well as proof of income and expences. As far as the plea, ... | |
| Debt Collection Agency vs. Creditor / Possiblity of Suing | 3/8/2011 |
| Q: I obtained a cell phone with this company and had a two year contract. After a year, I added another ... A: I hope you kept your paperwork because the credit bureau can and will return the debt to the ... | |
| Medical Collection | 3/7/2011 |
| Q: My daughter received a bill from the hospital. She owed $137.00, we made two payments of 10 dollars ... A: Unless there is a written payment agreement, the hospital is within it's right to ask for the ... | |
| TXU-what can i do? | 3/5/2011 |
| Q: I received a letter from TXU stating that i owed them for a bill at an old address. The dates for ... A: The first thing to do is to write a letter to the 3 major credit reporting agencies explaining what ... | |
| Rude debt collector? | 3/4/2011 |
| Q: I live in Alabama but went to school at the Art Institute of Atlanta in Atlanta, GA. I was there ... A: There is a collection agency called William and Fudge and there job is to collect the debt in full, ... | |
| Pay Day Loan Collectiions | 3/3/2011 |
| Q: My Grandmother and my girlfriends Mom both received a message on their answering machine yesterday ... A: Since they are first party, they are not covered under the FDCPA. They should not have given out ... | |
| Medical billing delays | 3/2/2011 |
| Q: My wife just received several bills from the Southcoast Hospital Group for medical services that ... A: Any statute of limitations beyond those set by your state would be in the contract between the ... | |
| Medical billing delays | 3/2/2011 |
| Q: My wife just received several bills from the Southcoast Hospital Group for medical services that ... A: Have you contacted your insurance company to see if the provider billed them and if they did, why ... | |
| MCM collections | 3/2/2011 |
| Q: I received a letter from MCM collections for a CIT bank account ive never had nor was aware of ... A: Collection agencies buy past due accounts from banks for pennies on the dollar. The best thing you ... | |
| 78 yr old Mom Being Sued by Collection Agency | 2/23/2011 |
| Q: My mother is 78 yrs old, is legally blind, and has Alzheimer's disease. About 2 weeks ago the ... A: Unless your mother owns property, it sounds as if she is judgment proof. None of her income can be ... | |
| No Documentation | 2/22/2011 |
| Q: We need clarity on an issue in our medical office. When a patient has not signed a form with a ... A: The only thing I can think of at this point is complied consent. If the patient did not tell you to ... | |
| No Documentation | 2/21/2011 |
| Q: We need clarity on an issue in our medical office. When a patient has not signed a form with a ... A: If you have an assignment of benefits on file, you should be able to contact the insurance company ... | |
| Letter of Protection | 2/21/2011 |
| Q: I have requested a letter of protection from our patient's attorney, since his insurance company ... A: The best thing to do at this point is to contact the consumer and tell them what the attorney said ... | |
| Help with a collection agency | 2/20/2011 |
| Q: I am hoping that you can give me some advice. I lost my job in December of 2009 and at that time my ... A: Simply write them and tell them that you will pay $2,000.00 to settle the account if they will ... | |
| Phone Calls | 2/18/2011 |
| Q: I am a cosigner on a second mortgage and my ex is late on the payments frequently. I have repeatedly ... A: As cosigner, you can expect calls when the loan is past due. They are also attempting to collect the ... | |
| Letter of Protection | 2/16/2011 |
| Q: I have requested a letter of protection from our patient's attorney, since his insurance company ... A: It sounds like the attorney talked you out of protecting yourself. I would take whatever steps ... | |
| Debt collection calls | 2/14/2011 |
| Q: Yes i am 24 years old i have roughly 1500 dollars in debt 700 due to capital one. I have been ... A: Since you have not paid any payments, the account will be written off and sold to a recovery agency. ... | |
| medical bills | 2/12/2011 |
| Q: I live in Texas. My employer sold to a corporation and everyone lost all their benefits, including ... A: You need to pressure the people that are making the decision on your medical assistance form for a ... | |
| Collections | 2/12/2011 |
| Q: I am an Ohio resident and am trying to get information on a collections question. About a year and a ... A: First, look up Unifund CCR on Google and see who you are dealing with. You can open another ... | |
| Unemployment garnishment? | 2/11/2011 |
| Q: Can unemployment wages be garnished in Georgia (Dekalb county) on a default judgment? Thanks in ... A: Please check out this website: http://www.answerbag.com/q_view/1953999. The answer there states: ... | |
| Medical Billing | 2/8/2011 |
| Q: In december 2009 I had recieved my annual mammogram. Not once in 2010 did I receive a bill from the ... A: Yes they can and it could be caused by your insurance company. You need to contact this insurance ... | |
| Medical Bills | 2/4/2011 |
| Q: I have medical bills that have gone to a money recovery service. I have been told by many people ... A: I could not find any law referencing a time limit or payment limit on medical bills. As far as I ... | |
| No payment for child care | 2/1/2011 |
| Q: I provide child care out of my home and took on a client 4 months ago. This client was under state ... A: I do not feel it would be worth it under the circumstances to take her to court because she could ... | |
| Attorney letter received for medical bills | 1/20/2011 |
| Q: I live in Florida. I rec'd a letter from an attorney (normal mail delivery), demanding payment for ... A: I wish I had a better answer than my first one but this sounds like it is court house bound. Call ... | |
| Attorney letter received for medical bills | 1/19/2011 |
| Q: I live in Florida. I rec'd a letter from an attorney (normal mail delivery), demanding payment for ... A: I think you are going to need advise from an attorney on this question. If you make the argument as ... | |
| TXU Energy Debt Collection | 1/18/2011 |
| Q: I subscribe to a credit monitoring service, last month I received a notice of activity on my ... A: Since you have disputed it with the credit bureaus, TXU will have to provide verification of the ... | |
| Credit Card Authorized User | 1/14/2011 |
| Q: Until recently, I thought I was a joint card holder for a business credit card. In reality I have ... A: It looks like you have done everything you can to fulfill any moral obligation you may have had. ... | |
| Medical Debt Disputed | 1/14/2011 |
| Q: I am a foreign student living in Virginia. I had an operation in a state hospital in January, 2010. ... A: You may need the advice of an attorney on this one. What I would do is call the Insurance ... | |
| Statutue of Limitations Colorado | 1/13/2011 |
| Q: What is the statute of limitations on credit card debt in Colorado? Some people say it is 3 years ... A: You are correct. This is hard to understand but I am not an attorney either. I did work for a debt ... | |
| Collecting a Judgement ? | 1/12/2011 |
| Q: As a landlord, I was issued a judgement by Magistrate Ct for approx. $2600 against a tenant for ... A: It appears you have run up against a judgement proof consumer. Unless he/she ownes real property ... | |
| Acquiring Refund from Hospital | 1/12/2011 |
| Q: Is there a Georgia law limiting the time that you can acquire a refund of overpayment from a ... A: I am not sure about a time frame in this situation. I think it is 6 years however, if I were you I ... | |
| Medical Bill payment plan was sent to collections because I was 3 weeks late. | 1/6/2011 |
| Q: I had arranged a six month payment plan with a radiology company. They are only available during ... A: Yes they can send your account to a collection agency at 3 weeks late. The thing for you to do now ... | |
| collection agency | 1/1/2011 |
| Q: Chase bank (HELOC loan) charge off the loan after agreeing to a Short Sale w/SunTrust Mtg.(finalized ... A: You should be able to negotiate a settlement with out giving out your life's history but I am sure ... | |
| A bill that went to collections that shouldn't have | 12/28/2010 |
| Q: I had insurence through this company. I called him to cancelled it on July 27th, 2010 and told him ... A: Unless you have a letter or voice recording of the conversation canceling you policy, you are at you ... | |
| Credit Card Debt | 12/9/2010 |
| Q: My mother-in-law recently moved in with us. She has 20,000 dollars in credit card debt that she as ... A: Your mother-in-law is what I would call judgement proof. She owns nothing and SSI can not be ... | |
| Just received a judgment | 12/8/2010 |
| Q: My husband just received a judgment in ... A: The statute of limitations in New York is 6 years. Unless you have been making payments or the ... | |
| repeated calls at work | 12/7/2010 |
| Q: what if after telling a collection agency NOT to call work and they continue to call, what is my ... A: Short answer: sue them. A more reasonable course of action is to send them a letter telling them to ... | |
| Never billed by doctor for over a year | 12/5/2010 |
| Q: I live in IL and was treated by a physician May 2009. I had insurance through my employer who ... A: I am afraid you are not going to like my answer. First I need to ask you a question, why did you ... | |
| Freeze on bank account | 12/3/2010 |
| Q: I was out of work for 4 years but finally got a job. However I fell behind on payments to Discover ... A: I hate to start off an answer by telling you something you already know, but never allow a "law ... | |
| medical collections | 11/21/2010 |
| Q: me and my husband owe our community hospital around 7000 they turned us into collections 3 years ago ... A: The best thing to do is to go to the hearing, see what they have to say and be prepared to show your ... | |
| Collection account on CR after bill has been paid by health insurance | 11/18/2010 |
| Q: Collection account was posted today on my credit report for an amount for which was paid days ... A: Send the creditor a letter explaining that your intent was to get this item removed entirely and not ... | |
| Collection account on CR after bill has been paid by health insurance | 11/13/2010 |
| Q: Collection account was posted today on my credit report for an amount for which was paid days ... A: Ask the original creditor to contact the collection agency and have them remove the item from your ... | |
| Citibank not responding to requests regarding negative report | 10/30/2010 |
| Q: I was surprised back in July of 2010 when I found a negative report on my credit. I pride myself on ... A: You should dispute it but be aware, it becomes he said she said and you may end up paying it. I ... | |
| Citibank not responding to requests regarding negative report | 10/29/2010 |
| Q: I was surprised back in July of 2010 when I found a negative report on my credit. I pride myself on ... A: Dispute the debt and ask for validation again. Copy the letters to the credit bureau, the attorney ... | |
| Collection Agency Question | 10/27/2010 |
| Q: I recently set up payments with a collection agency on my prepaid debit card. On the date of the ... A: They have to send you the following letter: http://www.lawdog.com/states/ma/checks.htm. ... | |
| Collection Agency Question | 10/27/2010 |
| Q: I recently set up payments with a collection agency on my prepaid debit card. On the date of the ... A: In most states, the bad check laws pretrain to checks for a purchase, not for a payment on an ... | |
| Agreed to collection amount, now asking for more... | 10/27/2010 |
| Q: I was past due on annual maintenance fees for 1 of 2 timeshares in FL. The company had a collection ... A: Yes the should stick to the agreement made by the collection agency. Will they? It depends. Do you ... | |
| Collections Threat | 10/26/2010 |
| Q: For the 2008 and 2009 year I kept my horses at a friend’s house. When the said friend offered to let ... A: I believe you are going to need and attorney's help with this one. I believe that before they can ... | |
| Never received a medical bill now sent to collections | 10/16/2010 |
| Q: Late June threw early July my husband was in the hospital off in on. I have received 10 different ... A: Call the original creditor and explain what happened. Ask if they can retract the account and let ... | |
| PayDay loans and collections | 10/12/2010 |
| Q: "I had lost my job back in May, and was in the process of obtaining a new one(which I recently ... A: First, I will state the obvious, you have let these bottom feeders get you into a mess. Call your ... | |
| medical bills | 10/10/2010 |
| Q: We live in wyoming and back in january i had to go to the hospital and we cannot pay the bill which ... A: The best thing to do is call the hospital and work out some type of payment arrangements. If you ... | |
| payday loan scam | 10/10/2010 |
| Q: In 2009 I was searching for online for payday loan lenders. This involved giving info such as name, ... A: Contact your lawyer, your State's Attorney General and Consumer Affairs. Get advice from your ... | |
| 3rd party disclosure | 10/7/2010 |
| Q: My sister's husband co-signed a school loan for my husband. Because the economy is what it is, my ... A: It is possible she was. You will need to know if the account is in 3rd party collections. Then ... | |
| Statute of Limitations on Credit Card Debt | 10/6/2010 |
| Q: I just received a letter from Capital One regarding an alleged credit card debt they say I owe from ... A: The statute is 4 to 5 years. Thank you for your question. I rejected your last question in error. ... | |
| payday loans collections | 10/2/2010 |
| Q: i unfortunately fell into the payday loan pitfall. it started out with one loan, paid off, and took ... A: They can not take any criminal action against you under Florida law. What payday loan company is ... | |
| Statue of Limitations for Repo | 10/1/2010 |
| Q: What is the statue of limitations on a vehicle repo in the state of California? A: From everything I've read the statue of limitations on repossessions runs about 7 to 10 years in ... | |
| debt mediation | 9/29/2010 |
| Q: I am attending a mediation tomorrow for a old medical debt and the company is trying to sue us in a ... A: Unfortunately, it is your responsibility to see to it that your insurance is filed. Who is taking ... | |
| Medical bills | 9/29/2010 |
| Q: I was in the hospital earlier in the year coming home with around $75,000.00. My insurance paid ... A: I am afraid that unless you meet the hospitals terms, there is not much you can do to stop them from ... | |
| Medical Billing | 9/22/2010 |
| Q: My husband had carpel tunnel surgery, trigger release done by an orthopaedic surgeon several months ... A: Does not sound like it should be but it is. I am sure that if you check your paperwork closely you ... | |
| NEVER NOTIFIED OF MEDICAL BILL | 9/22/2010 |
| Q: How do I handled a medical bill that was sold to collect agency/lawyer office;I never received a ... A: Very little that I know of. They are going to tell you that you should have stayed in touch with ... | |
| deductible fulfilled, still getting billed | 9/21/2010 |
| Q: A PA medical provider is billing us for the $500 deductible we would have owed them in 2008 and ... A: If your insurance company says you do not owe the money, have them send the hospital a letter ... | |
| University Collections | 9/14/2010 |
| Q: Miller, I have an outstanding balance with a university and I have been making $25-$30 payments ... A: I would ask for a copy of the agreement you signed to see if you agreed to a collection fee. Mass ... | |
| University Collections | 9/13/2010 |
| Q: Miller, I have an outstanding balance with a university and I have been making $25-$30 payments ... A: In order to add a collection fee, it must be stated in the original contract. Most states forbid ... | |
| University Collections | 9/13/2010 |
| Q: Miller, I have an outstanding balance with a university and I have been making $25-$30 payments ... A: Please send a follow up telling me if this is a university debt or a federal student loan. Also, ... | |
| Credit Validation | 9/11/2010 |
| Q: I am located in Colorado. I recently received a letter from an attorney representing P&B Capital ... A: It does not sound like they have sent you enough information. It also sounds like P&B Capitol is a ... | |
| Balance from Grambling State University | 9/9/2010 |
| Q: I am being advised that I have a balance of $920 from Grambling State University from fall 1998. I ... A: A statute of limitations is a statute, or law, that restricts the period of time, after certain ... | |
| Auto loan cant afford payments | 9/7/2010 |
| Q: My husbands income is way down, mine is down 20% we still make enough to pay the home, heat, lights, ... A: The best thing to do is to try to negotiate a repayment plan that you can afford. Next to doing ... | |
| Medical Bill Debt | 9/6/2010 |
| Q: I had surgery in Panama City, FL. in April 2010. My insurance company paid their portion, the ... A: There is little you can do with out paying the bill or setting up a satisfactory payment ... | |
| friend is using deceased moms credit cards | 9/4/2010 |
| Q: my Friend has been using her deceased mothers credit cards.. They other borther & sister cannot ... A: What she did is commit a crime, fraud. There could be jail time involved. The best thing for her ... | |
| debts | 9/3/2010 |
| Q: I would like to know what recourse hospitals and/or collection agencies have on a disputed bill or ... A: If they have validated the debt, they have the same recourse they would have on an undisputed debt. ... | |
| Osprey E.P Medical- Florida | 9/3/2010 |
| Q: I went to the ER a few months back and have since received notifications that the DR. who evaluated ... A: Short of making suitable payment arrangements with the Doctor or NCO, there is nothing you can do to ... | |
| Sent to Collections But Not Me! | 9/2/2010 |
| Q: I was involved in an auto accident while travelling back in 2004 when I was seen in the emergency ... A: First of all, dispute the debt in writing with the collection agency. Second, file a fraud case ... | |
| Medical Bill sent to Collections | 8/24/2010 |
| Q: ..I'm just looking into any options for our situation. We live in Ohio and my mother had surgery ... A: The best thing to do is to write a letter to the Director of the Business Office, copying the ... | |
| credit card company harrassment | 8/24/2010 |
| Q: Daughter is 32 has been laid off several times the past two years and is behind in owing on credit ... A: Not that I know of. She could offer to settle the debt if she had some cash to make a lump sum ... | |
| Florida Hospital Bill | 8/23/2010 |
| Q: I live in Canada and went to Florida on vacation. My husband ended up coming down with mono and ... A: Yes they can do all of the things you mention. I suspect it will show up on your credit in Canada ... | |
| When customer is unaware of collections status | 8/20/2010 |
| Q: I recently called a plastic surgeon to get information on a new product, when I was shocked to find ... A: They can turn you over to collections without any notice. It is not the normal procedure, but they ... | |
| Threats from old boss | 8/19/2010 |
| Q: Our old boss is threatening to send us to collections for royalties. We talked to a lawyer who ... A: Since you have resigned, you are not using the resources. Also, it seems to me that he would have ... | |
| credit harassment | 8/19/2010 |
| Q: every time i get behind on my credit card bills capital one will call my parents and tell them i ... A: It does not sound like they have released any confidential information so they have not broken any ... | |
| Threats from old boss | 8/19/2010 |
| Q: Our old boss is threatening to send us to collections for royalties. We talked to a lawyer who ... A: He will have to have proof of the debt and be able to validate it. If he does, dispute the debt ... | |
| Statute of Limitations for credit cards in Pa | 8/17/2010 |
| Q: Mr. Miller, Does the last payment on a credit card start the default clock for the Statute of ... A: The statute of limitations starts from the date of last activity, which in this case would be the ... | |
| Fair Credit Billing Act - To whom does it apply? | 8/13/2010 |
| Q: I have a situation where a billing error on the part of a company led them to send an amount not due ... A: As I understand your question, the FBCA applies to consumers such as yourself. The link you ... | |
| violtions by debt coll attny? | 8/11/2010 |
| Q: I have idaho case coming to trial. For some time debt coll attny (jrmlaw.pro johnson mark, ... A: They must have this account marked as disputed if you have indeed disputed it. They are in violation ... | |
| Sued over medical debt | 8/11/2010 |
| Q: Today I received a summons for a lawsuit over a medical bill. The bill is under $400 (plus the fees ... A: The court will not be interested in whether you can pay or not but only if you owe the bill. Your ... | |
| Medical Bills | 8/9/2010 |
| Q: I live in South Carolina and have been paying on a hospital bill for a couple of years. I just ... A: If you do not have a written payment agreement, the hospital has the right to ask for increased ... | |
| Random / Incorrect Colloection Efforts | 8/6/2010 |
| Q: My minor daughter just received a collection call at her summer job employers office from Calvary ... A: They got the number by using a tactic called skiptracing. It is sometimes hit or miss so mistakes ... | |
| refund of medical payment | 8/3/2010 |
| Q: Is there any law in Oklahoma regarding how long a hospital has to refund a patient for overpayment ... A: Not that I know of. This would be left up to hospital policy. If I were you I would send a request ... | |
| Proof of Debt & Harrassment | 8/2/2010 |
| Q: I reside in KY. One collection agency calls repeatedly. I actually did speak to them on a couple of ... A: Send the agency a letter demanding verification of the debt as well as disputing its validity. ... | |
| credit question | 7/26/2010 |
| Q: when a private landlord in Arizona wins a money judgment against a tenant does the judgment ... A: There is no definite answer to this. Some of the CRAs pull this data from the court house so, if ... | |
| Am I legally entitled to an itemized bill in CA? | 7/13/2010 |
| Q: I had multiple procedures at a dentist in CA. My first bill I received and paid in full. Over 1 year ... A: Yes you have a right to an itemized bill. You can probably get one from your insurance company ... | |
| Debt Verification | 3/9/2009 |
| Q: I have been told that a debt collector, if asked by the alleged debtor must provide the original ... A: The easiest way is contact the FTC and the Attorney General in your state. I can promise you when ... | |
| payday loan | 3/9/2009 |
| Q: i received a payday loan in set and had issues with my bank account and made them aware of it, they ... A: Sent a written demand for validation and dispute the debt. According to the FDCPA, they must send ... | |
| Initial Communication | 3/7/2009 |
| Q: What happens when the collector mails the initial communication and it is returned to them by the ... A: If they are able to get your correct address, they should send you another "first" notice. Dispute ... | |
| settle of default judgement | 3/7/2009 |
| Q: Is a settlement of a $1650.00 default judgement for $900.00 a good deal or should I have negociated ... A: At this point I would advise that you take the settlement and run. I doubt you can do much better ... | |
| Emergency room bill went to collection > was never notified | 3/6/2009 |
| Q: Situation: Wife took our daughter to emergency room for care. We paid required $50 copay. We then ... A: If the collection agency has proof they tried to contact you, they can put the on your credit. The ... | |
| rec. collection letter on an 18 year old credit card debt | 3/3/2009 |
| Q: Is there a statue of limitations on a credit card debt?This letter I received wants to settle a ... A: Send them a certified letter and explain that you know the stature of limitations has passed and you ... | |
| COLLECTION AFTER 5 YEARS | 3/2/2009 |
| Q: I moved from Wisconsin to Arizona in March 2004. When I got to AZ I mailed my keys back to my ... A: The statute of limitations in WI is 6 years and items stay on your credit for 7 years from the date ... | |
| Medical bill in collections | 3/1/2009 |
| Q: I have a medical bill that has gone to collections, and on further to a court hearing. I called the ... A: Send them the information they are asking for and explain that you income fluctuates and there may ... | |
| paying a collection agency | 2/7/2009 |
| Q: I live in Colorado and have a debt that is being handled by a collection agency. The debt is valid ... A: The agency is not required to break the balance up into payments. Call or write them (so you will ... | |
| med collections. | 2/6/2009 |
| Q: i have three medical collections in wyoming. one ER visit. tonsillectomy, and x rays. all are ... A: Rachael, No, the accounts will show open but paid with a zero balance which, looks much better to a ... | |
| legal threats | 2/6/2009 |
| Q: I visited a dental office where the manager approved a courtesy discount of 50 if I scheduled with ... A: Belle, I hope you have some of this in writing because otherwise, it is he said, she said. Does ... | |
| check by phone | 2/6/2009 |
| Q: A company wants collect on a debt and they are willing to settle for 1,232.25. My debt is about ... A: Melissa: It is with most agencies. Giving out your checking information is no more dangerous that ... | |
| NC Statute of Limitations Apply? | 2/5/2009 |
| Q: I have been getting collection letters from numerous collection companies that apparently they pass ... A: Anne: The statute of limitations on debt in North Carolina limits the time you can be sued for a ... | |
| debt validation | 2/5/2009 |
| Q: I live in WV. I pulled my credit report and noticed some entries on my report from west asset mgmt ... A: Valarie: They are correct but, playing hard ball. Dispute the debt and ask for validation. They ... | |
| collection scam | 2/5/2009 |
| Q: I keep getting constant calls from a "collection agency" but I think it's a scam. Is it safe to give ... A: Jon I personally do not see anything wrong with giving the last 4 digits. There is nothing I know ... | |
| Hospitals relationship with collection agency | 2/4/2009 |
| Q: I work for a hospital in Maryland, but my question is general. Under what conditions can a hospital ... A: This would be very hard to answer without the contract, but if these actions are going on, that ... | |
| medical collections | 2/4/2009 |
| Q: Ray, My wife recieved a phone call from a collection agency stating that we owed around one hundred ... A: Ron, There are a couple of things I can think of to help you cure this matter. Send a letter to ... | |
| S.O.L | 2/3/2009 |
| Q: I have been reading about the statute of limitations and I have found that many sites have told me ... A: As you said, the SOL prevents you from being sued. Something can stay on your credit for 7 years ... | |
| med collections. | 2/2/2009 |
| Q: i have three medical collections in wyoming. one ER visit. tonsillectomy, and x rays. all are ... A: Yes, they can stay on your credit history for the full 7 years. My advice to you would be for you ... | |
| OFFSET QUESTION? | 1/31/2009 |
| Q: I LIVE IN FLORIDA. MY TAXES ARE OFFSET BECAUSE OF A AAFES/DPP CREDIT CARD I HAD 10 YEARS AGO. IT HAS ... A: The statute of limitations on debt in Florida puts a time limit on the amount of time you can be ... | |
| Hospitals dictating payment amounts | 1/30/2009 |
| Q: My local hospital is very unwilling to make payment arangements that I can afford to take care of my ... A: Yes they can. They provided services and in return expected to be paid. They can do what ever they ... | |
| Handling debt..Possibly becoming debt free | 1/30/2009 |
| Q: Is it true that if I write a certain letter to debt collectors saying "I will not pay this bill and ... A: NO this is not true. You signed a contract and must honor the terms. This would be the same as ... | |
| collections | 1/29/2009 |
| Q: I just found out pud of snohomish has me in collections for 449 dollars. I have not lived in ... A: The statute of limitations on debt in Washington limits the time you can be sued for a debt. Oral ... | |
| all I want is the invoice | 1/28/2009 |
| Q: Shouldn't a collection agency be required to provide me with a copy of the invoice they are trying ... A: Lawrence: Yes they are required to send you verification and validation of the debt by the FDCPA ... | |
| Bill at Collection not correct | 1/27/2009 |
| Q: I have just received a phone call from a "bill collector" regarding a bill that is not correct. I ... A: Larry: If this bill has been turned over to a collection agency, they are required, upon request, ... | |
| a friend in need | 1/27/2009 |
| Q: I have a friend that suffered a stroke last february and is disabled. She has been making payments ... A: Peggy, have you tried the Attorney General? Web site: http://www.oag.state.va.us/ You could also ... | |
| a friend in need | 1/24/2009 |
| Q: I have a friend that suffered a stroke last february and is disabled. She has been making payments ... A: And you are the friend, indeed. I wish I had definite answers for you on this but, I don't. I can ... | |
| CREDIT CARD DEBT | 1/23/2009 |
| Q: CAN A CREDIT CARD COMPANY GARNISH YOUR WAGES? A: If they have a judgment, the state law allows garnishment, then yes they can garnish your wages. ... | |
| FCRA | 1/23/2009 |
| Q: Back in 2004 I had disputed a unknown charge off on my CRA with the original creditor. The creditor ... A: Get notarized statements from your doctor and any public official you know stating that you are not ... | |
| Capital One Attorney | 1/21/2009 |
| Q: I recd. a summons and complaint from an Attorney stating that they were collecting a debt for ... A: Do not stop paying. Instead, dispute the debt and demand validation, in writing. The FDCPA ... | |
| Collection Complaint - Pennsylvania | 1/18/2009 |
| Q: My sister is physically disabled and her sole income is Social Security Diability benefits. Three ... A: I'm sorry--I many have misread the question. Yes, she needs to be there for several different ... | |
| Collection Complaint - Pennsylvania | 1/18/2009 |
| Q: My sister is physically disabled and her sole income is Social Security Diability benefits. Three ... A: Yes!!! If no one shows up, then no testimony can be given on their part. The arbitration board ... | |
| collections | 1/18/2009 |
| Q: My husband and I pay $10,000 a year in health insurance for us and our 2 children. It is now going ... A: Unfortunately and unfairly, yes they can. Your best bet is to sent the same information that you ... | |
| Collection Complaint - Pennsylvania | 1/17/2009 |
| Q: My sister is physically disabled and her sole income is Social Security Diability benefits. Three ... A: According to my research, SSI can not be garnished to pay debts. Tell your sister to use the free ... | |
| Collection Agency has not sent documentation | 1/13/2009 |
| Q: Back in October 2008 I signed up for freecreditreport.com in an attempt to find out my credit score. ... A: Dispute the bill along with the explanation with: Trans Union: http://www.transunion.com/ Equifax: ... | |
| medical bills | 1/9/2009 |
| Q: My minor son had his teeth pulled dec06/jan07 I got a statement from the insurance company about ... A: F, You state that they put this on you but the insurance coverage is supplied by the father. Are ... | |
| Fair collection | 1/8/2009 |
| Q: I was unable to pay an apartment complex the sum of 2,800 dollars after an eviction. It has been ... A: James, For the answer to this question, you will need to read the contract you signed when you ... | |
| collections | 1/8/2009 |
| Q: When I was 18 in 1995 I co signed for a yamaha 4 wheeler for an ex boyfriend for about $5,000. I ... A: I am not trying to put you off, but in what state did you live when the 4 wheeler was purchased? I ... | |
| Medical bills for visiting UK parents | 1/7/2009 |
| Q: My in-laws recently visited us in Texas from the UK (we are resident aliens). While staying with us ... A: "We did not sign or adopt any accountability for the hospital admission," is the most important ... | |
| FDCPA Training | 1/7/2009 |
| Q: You mentioned in a previous answer that you offer training on FDCPA. I live in GA and wonder if ... A: Alan, I would be glad to discuss this with you on my dime if you would not mind giving me your phone ... | |
| student loan debt collections | 1/7/2009 |
| Q: Prior to making all of these payments (many of them medical bills)I went for a period of time where ... A: You may want to check this website concerning the profanity: ... | |
| Collector able to determine balance in my checking account. | 1/6/2009 |
| Q: I have been working with a payday loan company in Ohio re: a default payment I owe. I do owe the ... A: Number one: CLOSE THIS BANK ACCOUNT. It sounds as if someone has a "friend" working there. Number ... | |
| Medical bills to collection agencies | 1/5/2009 |
| Q: I live in Colorado. I received a bill from the pulmonary specialist and when I called the number on ... A: This is very likely true. Being the non trusting type that I am, I would want something in writing ... | |
| medical bills | 1/3/2009 |
| Q: I have unpaid medical bills and I have just recieved notice that they will be garnishing my income ... A: The best answer of course is to pay the bills. If I were you and could not afford to pay the bills, ... | |
| Statue of limitations on credit card debt | 1/2/2009 |
| Q: I have a old credit card debt where the statue of limitations has run out. We have never been ... A: Use this law from Louisiana: Art. 3494. Actions subject to a three-year prescription The ... | |
| Sent to Collection without Notice | 1/2/2009 |
| Q: My husband has a gym membership in Ohio. When we joined bank accounts in October 08, he called and ... A: It should not be but it is. This should be easy to fix if the collection agency and the gym want ... | |
| Old debt question trying to collect... | 12/31/2008 |
| Q: Long story hopefully short. I have this all written down at home, everything that happened, so ... A: Here is what I suggest: Dispute the debt, report the attorney to your states Bar Association, the ... | |
| Here I go again? | 12/31/2008 |
| Q: I was sued by a JDB for a debt that wasn't mine and I won the lawsuit. I disputed with the Credit ... A: You are correct in your assumption that the court case should have stopped this nonsense. Send the ... | |
| judgement | 12/30/2008 |
| Q: I have a company Asset Acceptance that got a judgement against me ,. i never been able to get them ... A: Wow. I need a little more time to answer this one. Please send a followup tomorrow so I can ... | |
| statue of limitations | 12/30/2008 |
| Q: I live in Florida and had cable with a local company here at several different apartments. I just ... A: Please send me a follow up question tomorrow so I can have all day to research. This is a great ... | |
| debt | 12/30/2008 |
| Q: I have a terminal disease. I owe thousands on credit cards. I have only a few hundred dollars ... A: I have never advised anyone not to pay their bills and I am not going to start now. Than being ... | |
| re: garnishment | 12/30/2008 |
| Q: My father just turned 66 and is unable to work anymore he receives a civil service retirement and a ... A: This one is going to take a little time to research properly. Please send me a follow up question ... | |
| auto loan | 12/29/2008 |
| Q: My ex husband and I had an auto loan in 97. I was the primary on the loan. He signed second. We got ... A: Texas Statutes of Limitation The Texas Civil Practice & Remedies Code provides a 4-year ... | |
| Collection law | 12/29/2008 |
| Q: Is there any way to ask to a judge to postpone a court date sent by summons? A: Yes. Simply send a letter to the court, certified, with your case number and explain your need to ... | |
| Collection accounts | 12/28/2008 |
| Q: My ? is that I had service with T-Mobil Wireless over three years ago.In the state of Arizona.I ... A: The SOL only means that three years from the date of delinquency, the creditor is barred from taking ... | |
| Collection accounts | 12/28/2008 |
| Q: My ? is that I had service with T-Mobil Wireless over three years ago.In the state of Arizona.I ... A: The SOL laws in AZ are as follows (as of today): Injury to Person False imprisonment; 1 yr. §12-541; ... | |
| Collection accounts | 12/28/2008 |
| Q: My ? is that I had service with T-Mobil Wireless over three years ago.In the state of Arizona.I ... A: Unfortunately, when you move to a new area, most wireless companies will sign you to a new contract ... | |
| auto loan | 12/27/2008 |
| Q: My ex husband and I had an auto loan in 97. I was the primary on the loan. He signed second. We got ... A: I am sorry. I thought I had already sent information on this one but find that I have not. Please ... | |
| Hospital collection threat | 12/24/2008 |
| Q: A hospital in VA has been accepting monthly payments and today threatened collection (by the way the ... A: Please understand that I am not an attorney, but if you have faithfully paid $150.00 per month, ... | |
| Past Credit Card Debt | 12/20/2008 |
| Q: Miller: Collection Problems: Below I've retyped the letter word-for-word that I received from a ... A: I think I speak for every volunteer here when I say you are welcome for our help. I will have a for ... | |
| Capital One Collection | 12/17/2008 |
| Q: My wife opened a credit account before we were married. I was unaware of this account. She ... A: Mike I am sorry, but you will need an attorney for this. Have your attorney file for an extension ... | |
| Harassing Calls from C G Services | 12/16/2008 |
| Q: My grandmama is receiving continuous calls from a collections agency by the name of C G Services ... A: Amesia: You are certainly welcome in advance. This collection agency is breaking the law and ... | |
| Credit card debt | 12/16/2008 |
| Q: Can I be sued over an unpaid credit card bill? Capital One has already written the debt off as ... A: Dianne, Unfortunately, you can be sued for a credit card debt. Will they? It depends on the size ... | |
| Unpaid medical bills SOL | 12/16/2008 |
| Q: My husband and I recently purchased a house. When our credit report was run, we noticed that there ... A: I tried to research this and came up with 3 to 6 years for the SOL. Your best bet is to ask for ... | |
| pay day loan collection question | 12/15/2008 |
| Q: Is there a law for Pay Day loan companies to not call a customer after a certain time at nite or any ... A: Patricia, I hate these vultures and advise you get as far away from them as soon as you are able. ... | |
| Water company | 12/15/2008 |
| Q: Recently i have acquired my mothers home, yet the utilities bills are still in her name, she had ... A: They should be reported because one's privacy is important and the clerk should know better. By ... | |
| Insurance Pending - still sending me to collections | 12/15/2008 |
| Q: I had my wisdom teeth pulled in July 2008. I paid my estimated portion (around $350) up front. I ... A: I am sorry to tell you that the only ones that can set up a minimum payment would be the Dentist ... | |
| Water company | 12/13/2008 |
| Q: Recently i have acquired my mothers home, yet the utilities bills are still in her name, she had ... A: I am so sorry and am not at the same time; I misread the question and apologize. This certainly is a ... | |
| 19 year old credit card debt | 12/13/2008 |
| Q: A credit card I had between 1978-1989 and was included in bankruptcy I filed in 1990 Capitol One is ... A: Unless this bill has been reduced to a judgment, the statute of limitations has ran out. Report ... | |
| Water company | 12/12/2008 |
| Q: Recently i have acquired my mothers home, yet the utilities bills are still in her name, she had ... A: Since it appears you are the executrix of the estate, no this would not be 3rd party nor a HIPAA ... | |
| Creditor died | 12/12/2008 |
| Q: I was sued back in 1997 or 1998 i never went and a judgement was issued he tried to re affirm the ... A: Yes you do have options. Demand that the collection attorney validate this debt and send you all of ... | |
| Capital One Collection | 12/12/2008 |
| Q: My wife opened a credit account before we were married. I was unaware of this account. She ... A: This is a tough one. I can not find these court cases and believe me, I tried. Dispute with Cap ... | |
| medical debt | 12/10/2008 |
| Q: I live in Michigan. My husband and I are divorced and we have joint physical and legal custody of ... A: My thoughts are that you are both equally and separately responsibility for the medical debts for ... | |
| medical debt | 12/10/2008 |
| Q: My ex-husband took our daughter to the hospital and was unable to pay the bill. Then I started ... A: If you live in a state that has the statute of necessaries, you and your husband are equally and ... | |
| Collection Agency Calling Family Members | 12/9/2008 |
| Q: I'm wondering if it's a violation of the FDCPA if a collection agency calls a third party (my ... A: Write the collection agency and tell them not to call any other number than yours. Then if they ... | |
| Surprise collection notice | 12/9/2008 |
| Q: I was handed a collection notice for my son by his mother (never married, she has primary custody). ... A: Dispute the debt with the collection agency. Call your Divorce Attorney and ask him/her if you are ... | |
| Medical Debt | 12/8/2008 |
| Q: I have outstanding medical bills in the state of Ohio. Is there a statute of limitations for ... A: Sam: XII. Statute of Limitations for Civil Actions An action upon a contract not in writing, ... | |
| Medical & Utility Collections!! | 12/7/2008 |
| Q: first than you for taking the time to read this.I have 2 questions.First my husband & I had our ... A: These are hard questions. I can not say as to what a collection agency will do about payments on a ... | |
| The Key Factors about FDCPA | 12/6/2008 |
| Q: What are the key factors a collector should know or remember about FDCPA? ANSWER: Jamie, There are ... A: The FDCPA is a fairly complicated regulation but, here are some key points: 1. You can not contact ... | |
| The Key Factors about FDCPA | 12/5/2008 |
| Q: What are the key factors a collector should know or remember about FDCPA? A: Jamie, There are many--do you want them all or do you have a specific area you need info on? To ... | |
| Credit Card Debt | 12/4/2008 |
| Q: My husband has a large amount of credit card debt and stopped making payments about a year ago. ... A: Unfortunately, all the judge is going to ask is, "Do you owe the money?" Have you offered the ... | |
| possible lien and or wage garnishment???? | 12/4/2008 |
| Q: My husband received one letter from a collection agency stating that he owes monies from a dental ... A: Miranda, In order to give you real good advice, I would have to see the paperwork that you signed ... | |
| medical collections | 12/3/2008 |
| Q: My son owes $1000 to OU Medical Center, (a teaching hospital)in Oklahoma from 2006. When he ... A: I am afraid they are correct. You can verify this with the Oklahoma Attorney General's office. I ... | |
| payments | 12/3/2008 |
| Q: i have offered to make payments to a creditor, but they state they need half of the payment or they ... A: Unfortunately, you have very few options. If they will not agree to smaller payments and your ... | |
| Power of Attorney | 12/3/2008 |
| Q: If I am working with a debt consolidation company and I have signed a power of attorney. Are the ... A: Not necessary. Unless you are represented by an actual licensed attorney, the collectors can not, by ... | |
| Time Limit for Medical Billing? | 11/7/2008 |
| Q: Are medical providers held to a time limit for submitting claims to an insurance company? I am ... A: Sue, I am sorry it has taken so long to get back to you, my computer is in process of dying and I ... | |
| medical bill | 11/6/2008 |
| Q: i have a medical bill due to a hospital bill due in the state of Florida. i recently moved to ... A: Theresa, I am sorry it took so long for me to get back with you. My home computer is in the ... | |
| removing a fraudulent report | 11/5/2008 |
| Q: I currently have on my report a credit card that was charged off and I will soon be filing ... A: Beverly, The first thing your husband wants to do is dispute this item with the credit reporting ... | |
| Medical Bill related unethical behavior | 11/5/2008 |
| Q: I don't know whether the whole affair is illegal or not but it is certainly unethical. On March ... A: Saasha, I found the following regarding recording calls in Massachusetts: From the Massachusetts ... | |
| medical bill | 11/4/2008 |
| Q: the collection agency refuses to work with me...they have attached my check..and are now trying to ... A: Your best bet at this point would be to check with your states Department of Consumer Affairs and ... | |
| Judgment/Write-off | 10/29/2008 |
| Q: I co-signed on a car with my son 5 years ago. He ended up letting Ford Motor Credit repo the car. I ... A: Check with the people to whom you are making the payments and ask for an accounting of the sale of ... | |
| re: FDCPA collections on harrassment | 10/29/2008 |
| Q: I am a collector located here in Philippines. Our company is an outsource from one of the biggest ... A: I train the FDCPA here at our agency and I have never read or heard of a limit of times you can let ... | |
| CO Signer | 10/28/2008 |
| Q: I co signed for a motorcycle in 2005 in 2006 called customer service, seeing how i wasn't the ... A: Tracy, If the account was indeed closed as you were told, your responsibility as cosigner ended at ... | |
| Small claims suit ---Answer | 10/24/2008 |
| Q: I had to file a small claims damage suit against a tenant I had to evict. Under Texas rules of civil ... A: Long answer short, yes. The person that filed the erroneous answer may even be held in contempt of ... | |
| Business Credit Lines | 10/22/2008 |
| Q: Someone told me that the FDCPA doens't apply for business line of credit. Is that true? What are the ... A: Marcelo, Business to business collections are not covered under the FDCPA because the FDCPA was ... | |
| Emergency Room Costs | 10/22/2008 |
| Q: I was told by the Finance Department at my local Hospital that the Emergency Room Staff are ... A: I do not know of a law preventing the ER staff from telling you costs. I would think that Hospital ... | |
| When to pay deceased credit cards? | 10/21/2008 |
| Q: We are in Ohio and our mother died in March 2008 and an attorney is helping us with the estate. ... A: Ber, In this case, I must defer to your attorney. Be sure to get and keep everything in writing ... | |
| 1099c | 10/21/2008 |
| Q: Please tell me if a collection company/agency can send a 1099c to me, for a debt they have not ... A: Joy, They can but, you need to dispute this, in writing, to the collection agency, the credit ... | |
| fdcpa | 10/18/2008 |
| Q: i have a question regarding fdcpa and statue of limitations. i had a car repossesed in 1994. the ... A: Twila, I would recommend that you contact the Department of Consumer Affairs and report this ... | |
| garnishment | 10/17/2008 |
| Q: how can you go about getting a garnishment reduced? i live in missouri, and the garnishment was ... A: Lisa, I can try to help. You will need to appeal with the court ordering the judgment and prove to ... | |
| Used car loan | 10/16/2008 |
| Q: I put $2000 down on a used car yesterday and they say I sign a P&S agreement. I don't have any such ... A: Priscilla, This is called the right to resend. In order to help you with this, I need to know what ... | |
| Wrong number! | 10/15/2008 |
| Q: I keep getting calls from a company called ER Solutions. They call just this side of legal time in ... A: Stay on them until you get in touch with some one. Go ahead and file your complaint with the FTC ... | |
| medical bills collections | 10/15/2008 |
| Q: I have been paying 100 dollars a month on my medical bill. When I got the bill it was 600 and ... A: Todd, I am afraid that you are not going to like my answer but, it's all I have. The medical ... | |
| Money loans privacy laws | 10/14/2008 |
| Q: Nevada My parents went to a "quick pay" loan type place, and filed for a loan. My mother said that ... A: Lindsey, This is going to take a little work but, it will be worth it to get the calls stopped. ... | |
| breach of contract | 9/27/2008 |
| Q: they made me sign a contract for 2 years,after serving 1year I had to relocate so I resigned, whilst ... A: Please remember that I am not an attorney but, you seem to need legal advise. You need to read the ... | |
| Collection Process in Ohio | 9/27/2008 |
| Q: I live in Ohio, and had an unexpected medical event happen to me in February (unable to walk) where ... A: First of all, try the charity route again. The worst thing they can do is say no. Most medical ... | |
| Collection Process in Ohio | 9/26/2008 |
| Q: I live in Ohio, and had an unexpected medical event happen to me in February (unable to walk) where ... A: Adam, I am very sorry to hear of your circumstances. I, as most, do not recommend bankruptcy. In ... | |
| Removal from credit report strategy... | 9/26/2008 |
| Q: So two irresponsible friends and I leased a home, 3 on one lease, the home suffered damages from a ... A: A general attorney should be able to help you with this. The Credit Reporting Agency, I believe is ... | |
| I am being sued for FDCP violation | 9/26/2008 |
| Q: I am a debt collector for over 25 years. I am being threatened with a lawsuit for violating the ... A: Please remember, I am NOT an attorney and can not give legal advice. I can advise you to seek legal ... | |
| hi | 9/25/2008 |
| Q: are safe deposit boxes seizable? does one have to give their ssn to obtain one? which creditors ... A: Most of these questions can be answered by a brochure at the bank which you are considering getting ... | |
| collections letter received, never notified of money owed | 9/25/2008 |
| Q: I recently received a letter from a collections agency. The letter arrived at my parent's house. I ... A: Carrie: From what I can find out, as long as the original creditor owns the debt, they can place it ... | |
| wage garnishments | 9/23/2008 |
| Q: I work for a small company and my wages are currently being garnished. About the time the judgement ... A: I would think you would be OK because it is an LLC but, to make sure, please check with someone who ... | |
| collections letter received, never notified of money owed | 9/22/2008 |
| Q: I recently received a letter from a collections agency. The letter arrived at my parent's house. I ... A: Carrie: Just an update. I have researched your question every way I know how and have been unable ... | |
| collections letter received, never notified of money owed | 9/22/2008 |
| Q: I recently received a letter from a collections agency. The letter arrived at my parent's house. I ... A: They certainly should at least make the effort. Please tell me state in which you live and how old ... | |
| legal judgement | 9/21/2008 |
| Q: Citibank got a legal judgment against me in 2004 for credit card debt. When I just called them they ... A: I am sorry, I have been ill and had to go to the doctor Friday. These questions need a response so, ... | |
| Collections | 9/21/2008 |
| Q: I had a secured loan with a company and the loan has been charged off and now a collection agency ... A: If you do not have a written agreement with the collection agency, they are not obligated to accept ... | |
| Debt Collection | 9/20/2008 |
| Q: I am being sued for the same debt twice. It turns out the debt was sold multiple times and now ... A: Send a letter to both parties trying to collect the debt and demand validation on the debts and ... | |
| billing laws | 9/20/2008 |
| Q: I am divorced, my ex-wife has custody, i carry the insurance policy on my daughter. My wife take my ... A: You need to contact your divorce attorney. If the divorce decree says you pay the insurance and she ... | |
| Collections | 9/20/2008 |
| Q: I had a secured loan with a company and the loan has been charged off and now a collection agency ... A: File a complaint to the FTC (http://www.ftc.gov/) and file a complaint containing all of the above ... | |
| legal judgement | 9/19/2008 |
| Q: Citibank got a legal judgment against me in 2004 for credit card debt. When I just called them they ... A: I have to assume that this means they have sold the debt to NCO. I have heard a lot of negative ... | |
| 13 year old alleged debt | 9/19/2008 |
| Q: a debt collector started to call me and say that i owe 48.00 from 1995. i still go to the same ... A: I would suggest to them that the statute of limitations has passed and since neither of you are ... | |
| Collection Proof | 9/18/2008 |
| Q: What exactly does collection proof mean? If I'm determined to be collection proof does the debt ... A: Collection proof is similar to judgment proof and garnishment proof. They all mean that if you were ... | |
| Help Needed Quickly | 9/18/2008 |
| Q: I am being sued for a collection account that is not mine. I had it validated with Experian and as ... A: Send dispute and validation letters to both collectors and to the company which originated the ... | |
| Judgement | 9/17/2008 |
| Q: After going through a rough spot, I have been working very hard to re-establish my credit. I have ... A: If I were you, I would try to settle this matter myself. An attorney can not do anything you can't ... | |
| Help Needed Quickly | 9/17/2008 |
| Q: I am being sued for a collection account that is not mine. I had it validated with Experian and as ... A: Dispute the debt with the attorney firm and demand validation of the debt. Sooner or later they are ... | |
| Warrant in Debt | 9/16/2008 |
| Q: I reside in VA and i was served a warrant for cc debt. The law firm that is suing me has never ... A: DISPUTE THE DEBT and demand that they validate the debt with a copy of all of the paperwork they ... | |
| credit card lawsuit | 9/16/2008 |
| Q: I have been sued by a credit card company in CALIFORNIA, for a debt that is over 4 yrs old. Do I ... A: Yes you can answer this and you should be able to get free professional help. First, let me ask, ... | |
| credit card lawsuit | 9/15/2008 |
| Q: I have been sued by a credit card company in CALIFORNIA, for a debt that is over 4 yrs old. Do I ... A: Yes and yes, IF the charge off date is four years or less. If it is more than fours years, the ... | |
| grace period on payday loans | 9/15/2008 |
| Q: on my payday loan contrat it clearly states that 'Any payment not paid in full on or before the 10th ... A: The way I understand the way this works, they want you to keep indebted to them by refinancing the ... | |
| Defaulting on credit card debt | 9/15/2008 |
| Q: Greetings, I just found out that my Mom, widowed & age 68, has incurred close to $35,000 in credit ... A: First, you will not have to take over the debt. Her estate will be hit with the bill after final ... | |
| Credit Card Default | 9/15/2008 |
| Q: I have a Bank of America credit card in default. It had a limit of $2000 and I charged around ... A: I do not know if they will wait until February for the payment; that will be something you will have ... | |
| debt collection | 9/14/2008 |
| Q: About 5.5 years ago, I defaulted on an MBNA credit card. I was later contacted by a collection ... A: Send the letter to the collectors and copies of the letters you send to the agencies, along with it. ... | |
| civil action for credit card debt | 9/13/2008 |
| Q: I received a civil action hearing notice for a credit card debt. I believe the original debt may be ... A: I would offer the settlement to them and they should accept it but, before I sent a dime, I would ... | |
| debt collection | 9/12/2008 |
| Q: About 5.5 years ago, I defaulted on an MBNA credit card. I was later contacted by a collection ... A: Send the letter, as you stated above, demanding validation and dispute the debt. Send the letter ... | |
| Payroll Loan | 9/11/2008 |
| Q: I have a payroll loan that I defaulted on and I am pretty sure the company is another company. They ... A: To the best of my knowledge, no one can have you locked up for not paying a bill. You do not say ... | |
| Two Collections Agencies claiming same debt | 9/10/2008 |
| Q: I entered into a payment agreement with Collection Agency A. One week after making my first payment ... A: Write both collection agencies and the original creditor, by certified mail, and demand that they ... | |
| harrassment | 9/10/2008 |
| Q: Mr.Miller;I have many debt collectors calling me.I am disabled and on s.s.disibility only.I have no ... A: That has so many factors involved in the decision to attach assets, I could not begin to guess. The ... | |
| Cash Advance collections | 9/9/2008 |
| Q: We live in Florida . . . My mom took out a cash advance online and now they are threatening to file ... A: She is going to need legal help with getting help with the charges that have been paid by her bank. ... | |
| Student Loans | 9/9/2008 |
| Q: #1 I owe student loans in the US, but I now live in Canada. I have no US property, investments, or ... A: I am sorry, I can not help with the student loans. With this, you will need advice from an ... | |
| Car Loan | 9/9/2008 |
| Q: I have a Ford Explorer in my name that I offered to my son to take over payments. The agreement was ... A: To the best of my knowledge, as long as the title is still in your name, it is still your car. With ... | |
| volunteer surrender a vehicle | 9/9/2008 |
| Q: How does a volunteer surrender of a vehicle affect your credit? A: It is almost as bad as the "real thing." It does look to most prospective lenders, in the future, ... | |
| Judgment | 9/8/2008 |
| Q: I have a judgement and there was an agreement to settle for $900 in 3 installments. The last ... A: I am sorry, but the only help I can be to you is to suggest that you get an attorney and protect ... | |
| Harassment | 9/8/2008 |
| Q: Miller, I am concerned that I am being Harassed by a debt collector. They said theyhave a award ... A: If you were there to have your case heard by a judge, she had NO business discussing this outside of ... | |
| Waiting for CA to respond to DV letter - Will they sue me? | 9/7/2008 |
| Q: Recently I received a standard collection letter from Tate & Kirlin Associates regarding an ... A: You should try to stay out of court as long as you can but, do no ignore this. Being from SC ... | |
| Plaintiff's motion for summary final Judgement | 9/7/2008 |
| Q: In Oct 06, I received a summons from Palisades Collection Agency. from what I recall we went to a ... A: Yes, you can file for a dismissal. To make it even better, request validation AND dispute this debt ... | |
| How do I answer a summons? | 9/7/2008 |
| Q: My husband was served a summons for unpaid debt on Monday September 1st. I understand I need to ... A: Good, then my original advice stands. Contact the Clerk of Courts office and let them guide you in ... | |
| Credit card Debt from deceased Spouse | 9/7/2008 |
| Q: I live in Florida and my wife passed away recently. She had a credit card that only had her name on ... A: First, let me offer my condolences for the loss of your wife. I am pretty sure you can not be held ... | |
| Credit Card cancled payments | 9/7/2008 |
| Q: I set up payments on a credit card and had a confirmation number. Four hours later a supervisor ... A: I am afraid I have never heard of this type situation. I would send the company that purchased the ... | |
| amex debt/ hearing for summary judgement | 9/6/2008 |
| Q: I have $60,000 in amex cards(2) debt. Obtaining many debts prior to my divorce. we owned a company ... A: Certainly you can. Send a certified letter explaining exactly what is going on with your side of ... | |
| False Collection Record on Credit Report | 9/6/2008 |
| Q: Mr. Miller I have had perfect credit my entire life. I have never been late for payments on any ... A: It sounds like you may be the victim of a minor identify theft and as such, you should report this ... | |
| Capital One - Suing me | 9/5/2008 |
| Q: I live in Michigan and someone just tried to serve me this morning -- I wasn't at home but at work. ... A: According to the FDCPA, a collection agency has to respond to a request for verification of a debt ... | |
| harrassment | 9/5/2008 |
| Q: Mr.Miller;I have many debt collectors calling me.I am disabled and on s.s.disibility only.I have no ... A: One letter per account. One shot, one kill but you will have to send a letter on any new accounts ... | |
| How do I answer a summons? | 9/5/2008 |
| Q: My husband was served a summons for unpaid debt on Monday September 1st. I understand I need to ... A: You did not tell me what type of debt this was nor where you live but, you may need an attorney to ... | |
| summons from a collection agency/law firm | 9/4/2008 |
| Q: I recieved a summons for credit card debt in new york state. It gave no court date to appear just ... A: No problem. Send a letter to the court addressing all pertinent information and explain your side ... | |
| Collection Agency | 9/4/2008 |
| Q: I am trying to pay off an account with Nationwide Credit, Inc. I called them today to see if they ... A: Send the collection agency a letter disputing the debt and asking for validation. Do not let ... | |
| amex debt/ hearing for summary judgement | 9/4/2008 |
| Q: I have $60,000 in amex cards(2) debt. Obtaining many debts prior to my divorce. we owned a company ... A: Short of bankruptcy, I do not know what to tell you. I certainly would seek the advice of an ... | |
| summons from a collection agency/law firm | 9/4/2008 |
| 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 ... | |
| summons from a collection agency/law firm | 9/4/2008 |
| 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 ... | |
| Car finance | 9/3/2008 |
| 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 ... | |
| Unathourized ACH | 9/3/2008 |
| Q: We have an account with Wachoivia Dealer services. We have always paid them by check, never ... A: Contact Wachovia Dealer Services and Wachovia Bank, by certified mail, and insist they reimburse the ... | |
| A Deceased Spouses Credit Debt | 9/3/2008 |
| Q: My mother died in December 2007, leaving three credit cards, all in collections, for a total of ... A: He needs to send cease and desist letters to the collection agencies and/or collectors and also ... | |
| Bill Collection | 9/3/2008 |
| Q: I received a letter from CMS today saying i owe them for a Citifinancial bill of $3785.93. So i ... A: Send them a certified letter requesting verification of this debt and dispute the fact that you owe ... | |
| Answer filed in response to debt suit, what now? | 9/2/2008 |
| Q: I've filed an answer in response to a suit on an old debt. In CT - the SOL is 6 years. The suit ... A: Absolutely move for a dismissal. Even if the court does not grant it, they will have to tell you ... | |
| Child's Medical Bill | 9/2/2008 |
| Q: I reside in New York. I hope you can guide me in the right direction. In December. 2005, while ... A: If "state provided" means medicaid, then the hospital should be able to contact Florida Medicaid and ... | |
| harrassment | 9/1/2008 |
| 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 ... | |
| What if a collection refuse to answer | 8/31/2008 |
| 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 ... | |
| Im completely condfused and need help regarding the FDCPA | 8/30/2008 |
| 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 ... | |
| Minor | 8/30/2008 |
| 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: ... | |
| Paying off a Judgement | 8/29/2008 |
| 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 ... | |
| We asked the Collections agency to stop drafting our bank account | 8/29/2008 |
| 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 ... | |
| repossession | 8/29/2008 |
| 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 ... | |
| What if a collection refuse to answer | 8/28/2008 |
| 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. ... | |
| Debt | 8/28/2008 |
| 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 ... | |
| Credit Card | 8/28/2008 |
| 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 ... | |
| t mobile fee | 8/27/2008 |
| 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: ... | |
| Collection rights | 8/27/2008 |
| Q: I have about 1,800 in medical bills that have been in a collection agency for a while now. I have ... A: The part that really upsets me is when the clerk laughed at your offer of $20 per month. That was ... | |
| Collection Agency Calls | 8/26/2008 |
| Q: For over a year, I have been getting phone calls from credit agencies (either 866 number or UNKNOWN ... A: This is a tough spot "Tanisha" has put you in. As long as she keeps giving out your number, there ... | |
| Mom responable for deceased husbands debts | 8/26/2008 |
| Q: I'm hoping someone can help me, help my mom. My stepdad just passed away from a recurring cancer and ... A: This is a tough situation and you may want to consult an attorney. If your mother is going to have ... | |
| Unifund CCR | 8/26/2008 |
| Q: I just received a summons from Unifund CCR and I don't know what to do. I am working with a credit ... A: I would need to know in which state you reside to give goon information on the SOL. If you do ... | |
| removing name from a credit card | 8/25/2008 |
| Q: I am in the process of a divorce. My "ex" has 3 gas cards charged to the max. I am listed on a ... A: I am married but have a credit card that is in my name only, which I have recently defaulted on. ... | |
| Collection Agency Acknowledgement | 8/25/2008 |
| Q: I received a voice mail from a collection agency.I have not spoken to them and know that this is in ... A: I am afraid they can. An overpayment can be look upon as monies that are due the insurance company ... | |
| hoa attorney Fair Debt Collection Practices Act | 8/24/2008 |
| Q: Are homeowner association attorneys required to comply with the Federal Debt Collection Practices ... A: That does not sound right and you may need to contact an attorney to help protect your rights. ... | |
| Dentist Bill | 8/22/2008 |
| Q: I had dental work done in 2007 and the part that my insurance did not cover, my dentist said I could ... A: Yes, they can send it to a collection agency at anytime they want unless you have a signed contract ... | |
| hoa attorney Fair Debt Collection Practices Act | 8/22/2008 |
| Q: Are homeowner association attorneys required to comply with the Federal Debt Collection Practices ... A: Please check the following web site: ... | |
| Payment of contract debt | 8/22/2008 |
| Q: I am my father's power of attorney. He was receiving home health care from an agency. He was unable ... A: You should go to the court date and explain to the judge that you disagree with the amount being ... | |
| collection call about a four year old debt | 8/22/2008 |
| Q: I received a collections call this evening. The creditor is American Medical Response. This debt is ... A: Good afternoon: First, you need to contact your health insurance carrier and see what, in anything, ... | |
| Florida small claim but live in NY | 8/22/2008 |
| Q: Miller- I received a summons to appear in court in Florida for small claims ($1095). But I live in ... A: You should definitely contact the attorney and the court. There is a good chance they will try to ... | |
| removing name from a credit card | 8/21/2008 |
| Q: I am in the process of a divorce. My "ex" has 3 gas cards charged to the max. I am listed on a ... A: Dispute these items on your credit history and send a letter to them as well as the card grantors ... | |
| Help | 8/21/2008 |
| Q: have Williams and Fudge on my tail telling me I owe Cadek Conservatory (a University music ... A: To the best of my knowledge, you must be 18 years of age to enter into a contract in any state in ... | |
| Help | 8/21/2008 |
| Q: have Williams and Fudge on my tail telling me I owe Cadek Conservatory (a University music ... A: OK--Please let me know what state in which you reside so I can do further research. Age does matter ... | |
| collection call about a four year old debt | 8/21/2008 |
| Q: I received a collections call this evening. The creditor is American Medical Response. This debt is ... A: I am sure I can help you with this but, I need to know what state you live in now and when the ... | |
| defaulted payday loan | 8/20/2008 |
| Q: my husband had a payday loan that he defaulted on in april in florida we have since moved to new ... A: I have researched this and advise that you check this web site: ... | |
| AMEX Debt Collection Atty | 8/20/2008 |
| Q: I live in Arizona. In May 2008 I was contacted by a Debt Collection Atty for AMEX. I received a ... A: Winning favor with the court is almost and impossibility. Send the letter asking for validation and ... | |
| bad check | 8/20/2008 |
| Q: I say this is in the state of PA. I recently had several checks out wich in not uncommon, during ... A: You should report the Internet fraud to the FTC as soon as possible. Your bank should be notified ... | |
| AMEX Debt Collection Atty | 8/19/2008 |
| Q: I live in Arizona. In May 2008 I was contacted by a Debt Collection Atty for AMEX. I received a ... A: You can ask for validation and dispute the debt at any time. Send your letter to them certified and ... | |
| bounced check | 8/19/2008 |
| Q: I had a customer that is a famous professional boxer. he purchased jewelry from me and wrote me a ... A: http://www.ckfraud.org/penalties.html Please see the above web site. In your case, the check was ... | |
| Help | 8/19/2008 |
| Q: have Williams and Fudge on my tail telling me I owe Cadek Conservatory (a University music ... A: Your mother is responsible. Dispute this debt and demand validation of it from William and Fudge. ... | |
| bounced check | 8/19/2008 |
| Q: I had a customer that is a famous professional boxer. he purchased jewelry from me and wrote me a ... A: Please tell me what state in which you reside. Just about every state has different laws governing ... | |
| Hospital Bills | 8/18/2008 |
| Q: Like anybody else ...my Health Insurance didn't covered my delivery. So I have a total due of ... A: Are you saying that they called your home at 9:27 on a Sunday night? According to the FDCPA, this ... | |
| debt | 8/18/2008 |
| Q: My mother has a bad debt and only receives social security and pension can they take any of her ... A: http://www.lloydmc.com/articles/in_collection_law_review.shtml You may find the above web site ... | |
| Capitol One | 8/18/2008 |
| Q: In 2005 I rented a car from Hertz and used my COne card for the initial 'hold'. My maximum credit ... A: Cap One has several different type cards and with each card, a different set of "rules". To make ... | |
| Doctor agrees to a physical now wants to... | 8/17/2008 |
| Q: My doctor agreed to bill an appointment on June 30, 08 as a free physical as required by my company ... A: I need just a little more information: do you have anything in writing, such as a discharge slip ... | |
| student loan from 1988 | 8/16/2008 |
| Q: In 1988, I had a student loan out in NJ, and moved out of state (I am in FL). It is appearing as ... A: You should absolutely dispute this with the credit bureaus as well as the creditor. To the best of ... | |
| Notice of right to cure default letter | 8/15/2008 |
| Q: Miller! In 2004 I purchased some furniture from Raymour and Flanagan. I was able to get instant ... A: A right to cure letter explains what your rights are to "cure" a past due debt or in other words pay ... | |
| WI repossession garish wage laws | 8/15/2008 |
| Q: 2007 and in May 2008 the engine blew. I tried to contact the dealer and they relocated and cannot be ... A: Yes, they can garnish your wages at 20%, but the must have a judgement first. Without the ... | |
| filing a lien | 8/14/2008 |
| Q: I paid a company in Missouri to make a pet toy/item. They had a fire and lost everything. Their ... A: In most all situations, the suit has to be filed in the defendant's home state. Here are the web ... | |
| Collections | 8/14/2008 |
| Q: I received a call to day from a company that purchased an old account of mine from HSBC. They asked ... A: You recourse is to send the purchasing company a certified letter informing them that you dispute ... | |
| Civil Action Court Summons | 8/13/2008 |
| Q: On August 3rd, I received a summons with no attorney name listed. Does a attorney name need to be ... A: I do not think you need anyone to help and I am not sure anyone on this web site can charge. I ... | |
| judgement | 8/13/2008 |
| Q: i had a truck reposed in 1982 or 84 not sure ford filed a judgement, i now owe them over 19 thousand ... A: I need a little more information: What state do you live in? How long have your wages been ... | |
| Civil Action Court Summons | 8/12/2008 |
| Q: On August 3rd, I received a summons with no attorney name listed. Does a attorney name need to be ... A: You do not have to hire anyone to get the information you need. All you have to do is sent the ... | |
| garnish wages | 8/12/2008 |
| Q: About 5 years ago, my fiance acquired a personal loan with a loan co in NC. About a year ago, they ... A: If you fiance works in VA or another garnishment state, it is possible that they could garnish. If ... | |
| Pay Day Loans | 8/11/2008 |
| Q: I have just found out that unless a payday company is registered with the State of Texas and abided ... A: I think I can help you with this. Contact the Texas Department of Consumer Affairs at: ... | |
| CA | 8/11/2008 |
| Q: My college sent my unpaid bill to a CA. I set up a monthly payment with the CA. Now I find out that ... A: Only if the College informs them to do so. Most agencies will remove the entry once they close an ... | |
| Intrest | 8/10/2008 |
| Q: When I was in the millitary, I opened a Military Star Cresit card. she used it till it maxed and I ... A: Florida Collection Agency Laws Following is some important information on Florida debt recovery ... | |
| Insane Repossesion as a plan... | 8/10/2008 |
| Q: I am concerned that a close friend of mine who has recently purchased a property (owned it just a ... A: My employment positions have been that way for years, including FBI background checks due to being ... | |
| JUDGEMENT I WON | 8/10/2008 |
| Q: QUESTION ,I WON A JUDGEMENT FROM A FAMILY MEMBER IN DEL. I WANTED TO KNOW IF I HAVE TO FILE IT IN A ... A: Ok, now that I know the state, give me until tomorrow to research this. I am sure I can find some ... | |
| Statute Of Limitations | 8/9/2008 |
| Q: 8-9-08 I just received a bill from a collections bureau from my divorce in 1990. It is from The ... A: You do not tell me what state you live in and I have to assume you got a bill from a collection ... | |
| Repo in 2000 | 8/8/2008 |
| Q: My husband had a car repossessed in 2000. It took about two years, but the account was paid in full ... A: I am not sure because you do not say what state you live in but, I can tell you that if this is the ... | |
| Insane Repossesion as a plan... | 8/8/2008 |
| Q: I am concerned that a close friend of mine who has recently purchased a property (owned it just a ... A: I picked this question up out of the pool and will try to help. You are correct; a repossession, ... | |
| Intrest | 8/7/2008 |
| Q: When I was in the millitary, I opened a Military Star Cresit card. she used it till it maxed and I ... A: I will be happy to try to help you with this but, I need a little more information. I assume the ... | |
| Enforcing rights of FDCPA | 8/6/2008 |
| Q: I sent a fax to a collection agency advising all correspondence must be done in writing. I know ... A: A faxed letter should serve as notice since the FDCPA states that your request has to be in writing; ... | |
| collection | 8/6/2008 |
| Q: I have great credit and purchased my own home three years ago, and have had numerous auto and credit ... A: The statute of limitations for civil actions in Colorado is three years and the longest something ... | |
| JUDGEMENT I WON | 8/5/2008 |
| Q: QUESTION ,I WON A JUDGEMENT FROM A FAMILY MEMBER IN DEL. I WANTED TO KNOW IF I HAVE TO FILE IT IN A ... A: Dennis: Yours is a bit of a confusing matter but at the same time simple. The judgement should be ... | |
| Civil Action on credit card | 8/5/2008 |
| Q: I live in Pennsylvania. I received a letter from the District Magistrate yesterday informing me ... A: Good Morning: According to the Pennsylvania garnishment laws, I located the following information: ... | |
| judgment filed against me, I didnt respond and the have the wrong person | 8/5/2008 |
| Q: A judgment was filed and I was served and didn't respond. I called and told them they had the wrong ... A: Yes they can. In order to defend yourself, you have to be at the judgement hearing. It may be ... | |
| Questions on New York Judgements | 8/4/2008 |
| Q: i presently have a judgement against me in New York for a credit debt i owe. Plus about 3 others who ... A: Mr. Gill: I have researched your situation and as far as I can tell, your primary mode of ... | |
| collections | 8/4/2008 |
| Q: hi my ex skipped country over 4 years ago and owed alot of bills and credit cards in his own name am ... A: That depends on if you were co-owner of the card or an authorized user. If your name was not on the ... | |
| Medical - Collections | 8/4/2008 |
| Q: I was told that it is illegal for medical claims to reported on your credit file by a collection ... A: To the best of my knowledge, if the debt is in your name, it can be placed on your credit history. ... | |
| Questions on New York Judgements | 8/4/2008 |
| Q: i presently have a judgement against me in New York for a credit debt i owe. Plus about 3 others who ... A: I am still researching your issue. If you would be so kind as to give me one more bit of ... | |
| Weekend Collection | 8/3/2008 |
| Q: Can a bill collector call on weekends after they have been asked not to do so? A: The only real way to stop calls from a collection agency is to put it in writing and explain that ... | |
| Questions on New York Judgements | 8/3/2008 |
| Q: i presently have a judgement against me in New York for a credit debt i owe. Plus about 3 others who ... A: I would need further information to fully answer your question but, unless you have more than one ... | |
| Negociating with Collection Agencies... | 8/1/2008 |
| Q: I am currently trying to clean up my credit report. It has some little stuff any where from 96 on up ... A: I found this question in the pool and will try to assist you since I work for an agency. The agency ... | |
| collections on medical bill | 7/22/2008 |
| Q: My fiance and I clean for two very dear friends of ours, Martha and Arnold. They are on a fixed ... A: I picked up this question out of the pool and will try to help. You do not say what state you are ... | |
Collections Law
Answers by Expert:
Ray A Miller
Top Expert on this page
Expertise
I am qualified to answer questions on the following subjects: FDCPA, FCRA and HIPAA as well as medical collections, general collections and collection agency related issues. I trained these subjects at a nationwide collection agency and customer service call center and audited around 150 representatives for compliance to the laws. I have been in the Collections Industry for over 30 years. I feel that everyone deserves to be treated fairly and with compassion and that is the way I trained collectors. Even though I worked for a Collection Agency, I get great satisfaction in helping those who have been mistreated or in need of help with these confusing issues.
Experience
I was the Compliance Administrator with a nationwide collection agency and customer service call center-I have trained hundreds of collectors on the above referenced topics. I have been in the medical collections industry for over twenty years and research these topics on a daily basis.
Organizations
ACA International
Education/Credentials
Some college
ACA Certified Collection Specialist
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