| Subject | Date Asked |
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| Ohio debt collection | 11/20/2009 |
Q: I lost my job and subsequently my home foreclosed (I'm single, no dependents). I'd taken out a loan ...
A: Deborah: All they can do is sue you. You seem judgment proof insofar as you have no assets. In ...
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| False swearing on a lien | 11/19/2009 |
Q: In general, what is the disposition of courts when it can be demonstrated that a person, having ...
A: Richard: The lien would be removed and the person committing perjury may be prosecuted unless he ...
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| Loan Collections | 11/12/2009 |
Q: I took out a loan for $2000 in 1994 in California, and carried on paying the monthly payments and ...
A: Claire: The statute of limitations has ran on this debt insofar as they would get a lawsuit ...
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| DEBT OCCURED BY SPOUSE | 11/2/2009 |
Q: I RECEIVED A SUMMONS TO APPEAR IN COURT ON JAN 11, 2010 FOR A RING MY SPOUSE PURCHASED AND GAVE ME 2 ...
A: Terri: You need to file an Answer to the Warrant in Debt. From what you've conveyed you are not ...
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| Collection Fees | 10/25/2009 |
Q: I am a TN resident. I can't find a TN statute that states what is the legal amount a collection ...
A: Stacy: What you're thinking of is "usuary" limits. It can only be used as an offset if the debt ...
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| Collections | 10/24/2009 |
Q: If you pay off the money you owe a collection agency will they remove it from your credit report or ...
A: Russell: They aren't obligated to remove it simply because you paid it. However, you can dispute ...
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| I just received a summons - What do I do now? | 10/21/2009 |
Q: I just received a civil warrant for a debt I know I owe. I was paying on it, but evidently not fast ...
A: Deanna: Yes, I would advise you to retain counsel insofar as a good consumer attorney can attack ...
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| statuteof limitations for Tennessee | 10/20/2009 |
Q: Sir, what is legaly the last date of activity on a credit report? I am confused! Is it the last ...
A: Jerry: Maybe, it would either be ten years under the statute of limitations for written contracts ...
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| Student loans | 10/19/2009 |
Q: I have about $25000 in student loans with Sallie Mae. I am having trouble making my payments, but I ...
A: Jessica: My inclination is that sooner rather than later they will either: 1) sell the note to a ...
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| Notification of Lawsuit | 10/18/2009 |
Q: Jason, I have a lawsuit filed against me in the Davidson County Circuit Court (Nashville) for a ...
A: Adam: They must serve you in 120 days from the date which the Complaint was filed. We would be ...
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| Utility billing | 10/14/2009 |
Q: I received an invoice from a utility provider on July 1 stating that I had a balance of 176.11. Soon ...
A: Robert: A utility provider can turn over a debt at any time. However, I think you may have ...
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| payday lender/ internet | 9/25/2009 |
Q: Jason I live in the state of Oregon, I made the mistake of taking out an internet loan, my question ...
A: David: Send them a letter telling them not to call you any further or you will report their ...
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| Debt collector qustion | 9/25/2009 |
Q: Can the debt collector file as if it was a bad check and have you arrested and thrown in jail.Please ...
A: James: Yes and no. If you issue a worthless check to anyone they can turn it over to the ...
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| Un-paid medical Bills | 9/24/2009 |
Q: I just got a call from a collection agency regarding an un-paid medical bill in the amount of ...
A: Danielle: Since it isn't on your credit reports (from what I understand) I would not run the risk ...
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| Defense against judgement | 9/22/2009 |
Q: Over a year ago, a debt collection agency presented me with a bill for a credit card that I had ...
A: Alan: Simply put, yes. An attorney can assert defenses and perhaps counter-claims that the lay ...
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| validation | 9/22/2009 |
Q: Asked HSBC to verify an old account and all they told me that they had was a payment that was made ...
A: Ken: Originally creditors are not bound by the FDCPA and accordingly, they don't have to "validate" ...
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| payday lender/ internet | 9/17/2009 |
Q: Jason I live in the state of Oregon, I made the mistake of taking out an internet loan, my question ...
A: David: If you choose not to pay them it seems they would have little recourse. I can't advise you ...
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| judgement in another state | 9/17/2009 |
Q: Recently, I received a letter from an attorney in HI (former residence) that a judgement had been ...
A: D. Marie: I wouldn't be in too big of a rush to pay this insofar as you already have purchased a ...
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| credit card debts after death | 9/9/2009 |
Q: I am seriously ill. My husband and I own a home together. We have paid off most of his credit card ...
A: Adrianna: The obligation for your credit card debt and student loans will not be transferred to ...
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| Confession of Judgement | 9/8/2009 |
Q: I have a possible short sale in SC that might have the lender wanting to do a confession of ...
A: Jeff: Yes, a confession of judgment is enforceable in Tennessee however, I would advise against it. ...
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| Date of last activity | 9/8/2009 |
Q: Sir, what is legaly the last date of activity on a credit report? I am confused! Is it the last ...
A: Jerry: Pursuant to the FCRA, a furnisher of information and likewise, the credit reporting ...
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| Payday Collections Harassment | 9/7/2009 |
Q: I had a person call me regarding a payday loan that I defaulted on a couple of years ago. They ...
A: Kelly: This is a rather egregious violation of the FDCPA. I would consult with a consumer attorney ...
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| COURT SUMMONS | 9/4/2009 |
Q: I HAD A CREDIT CARD WITH CAPITAL ONE BANK. AN ANNUAL FEE WAS ASSESSED AND THIS CAUSED MY ACCOUNT TO ...
A: Missy: Option one would be to check your state's statute of limitations. Option two would be to ...
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| COURT SUMMONS | 9/3/2009 |
Q: I HAD A CREDIT CARD WITH CAPITAL ONE BANK. AN ANNUAL FEE WAS ASSESSED AND THIS CAUSED MY ACCOUNT TO ...
A: Missy: You must file an answer to their Complaint or at the very least make an appearance. I would ...
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| Property Lein | 8/31/2009 |
Q: Several years ago my father purchased a mobile home and the land on which it is set up for my ...
A: Gina: Unfortunately, this is a complex legal matter that would require an attorney. However, there ...
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| Cohen & Slamowizt | 8/27/2009 |
Q: I sent C&S all my documentation showing that the bill is paid in full. Today I received a letter ...
A: E: Consult a consumer protection attorney in your jurisdiction. If you reside in Tennessee, we ...
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| Collection agencys calling families work | 8/25/2009 |
Q: I have recently applied for a job at a place I was temporarily employed at last year. Cambece Law ...
A: Wendy: Under the FDCPA, a debt collector can call a family member once in an attempt to locate a ...
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| Credit report | 8/24/2009 |
Q: Can a third party debt collector send a account to the Credit Bureau if the account has had returned ...
A: Margaret: Unfortunately, a furnisher of information need have only very basic information in order ...
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| Collection Laws/regulations | 8/24/2009 |
Q: I have a collection company listing a collection on my credit report. I have contacted them and the ...
A: James: You can dispute the collection tradeline directly through the credit reporting agencies. I ...
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| Sued by Creditor | 8/18/2009 |
Q: A judgment was entered against me by a creditor because I did not respond to a summons. I instead ...
A: Jaqueline: You should be able to apply the doctrine of accord and satisfaction within either the ...
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