| Subject | Date Asked |
|
| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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, ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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, ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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: ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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: ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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: ...
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| 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 ...
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| 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, ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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: ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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: ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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, ...
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| 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 ...
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| 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; ...
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| 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 ...
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| 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 ...
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| 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: ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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