| Subject | Date Asked |
|
| being sued by LVNV | 11/20/2009 |
Q: I have a credit card debt that has been sold to LVNV and I have received a summons to appear in ...
A: Rich: You can't go to jail under ANY circumstance unless you committed a crime. The only possible ...
|
| Transfer auto loan to a collector | 11/20/2009 |
Q: I received a letter from ACC finance that my loan was given to a collection agency was not late on ...
A: I'm not sure. It depends on exactly what happened. If the creditor is just using a third-party to ...
|
| Repo | 11/19/2009 |
Q: I purchased a car in Florida that I can no longer afford. I recently registered it in Texas (where ...
A: I'm sorry you are in this situation and they won't negotiate further. You really don't have a lot ...
|
| double "negative" reporting on credit report | 11/18/2009 |
Q: I had a collection on my report from 2003 which was due to come off in February 2010. About 5 months ...
A: If it is truly a debt with the date of first delinquency in 2003, it should fall off 7 - 7.5 years ...
|
| garnishment | 11/17/2009 |
Q: Two Questions: 1- I just recently won a case for a judgement. How do I place a judgement on a ...
A: You, personally, cannot place the judgement on a consumer's credit report. However, it will likely ...
|
| unsecured credit | 11/17/2009 |
Q: The last question that I have is how can an unsecured line of credit such as a credit carding win a ...
A: You are confusing secured credit with a court ordered judgement. Secured credit is for things like ...
|
| Telephone harassment by creditor | 11/16/2009 |
Q: I would like to know what to do about this: For more than 3 months (as long as I've had my new ...
A: This kind of falls under the category "I know it's annoying but not big enough to do anything ...
|
| Letter of Protection/Collections | 11/16/2009 |
Q: My wife was involved in a car accident in which the other driver was cited. She had injuries and was ...
A: This really depends on what you are calling a "Letter of Protection." This term has kind of grown ...
|
| exemptions from garnishment | 11/14/2009 |
Q: I live in Florida and am currently unemployed and collecting unemployment.I have approximately ...
A: Certain things are at risk. You can claim up to $1,000 in personal property, primary place of ...
|
| Loan Sent To Collections After Bike Was Reported Stolen | 11/13/2009 |
Q: I had a 2007 Kawasaki ZX6R motorcycle. I had purchased it from a dealer "new" in California. I had ...
A: For the record, they are under no legal obligation to delete accurate information - which it sounds ...
|
| Judgment I won against a corporation | 11/13/2009 |
Q: I have a judgment I won against a corporation located in FL. I'm in MD and this is where the ...
A: I believe you have options to avoid re-trying the case, however they are not guaranteed to work. It ...
|
| no notice | 11/13/2009 |
Q: My wife and I left our apartment complex in July and moved. We gave a forwarding address to the ...
A: If it is as you say, it appears your landlord is in error and you should be entitled to a complete ...
|
| credit | 11/11/2009 |
Q: I discovered my ex husband took out several credit cards in my name solely without my knowledge ...
A: Again, this is one of the more complicated areas of divorce law and this is not the best forum to ...
|
| credit | 11/11/2009 |
Q: I discovered my ex husband took out several credit cards in my name solely without my knowledge ...
A: Well, I do not see her question but we have a different menu to answer questions than you. ...
|
| credit | 11/10/2009 |
Q: I discovered my ex husband took out several credit cards in my name solely without my knowledge ...
A: I don't live in Indiana but I am not aware of any law in the country where fraud and forgery are ...
|
| motion to vacate | 11/10/2009 |
Q: if one has no actual knowledge that a judgment was filed (in 2004) would that be sufficient to file ...
A: That is a very common reason for trying to vacate the judgement. Your success depends on the court. ...
|
| Judgement | 11/9/2009 |
Q: I have been served a judgment order from a credit card company. I have been unemployed for 1 1/2 ...
A: In theory, the creditor can petition the court to make a ruling on the account. In that case, you ...
|
| seize land for credit card debt | 11/8/2009 |
Q: We owe $115,000- in credit card debt. We used our cards for an addition to our home. we planned to ...
A: This is a state law issue so I cannot say for certain. I am only aware of real estate being able to ...
|
| Collections Law | 11/8/2009 |
Q: I ignored a number of collection letters from an agency. They filed a lawsuit against me. The day ...
A: Resetting the clock depends on the state you are in. In these states the statute of limitations ...
|
| Doctors Bill Judgement | 11/7/2009 |
Q: Back in September of 2008, my son had surgery for a staph infection that had gone really bad. Long ...
A: You are not going to like my answers. Sorry :( I'll answer them one-by-one by copy and paste: ...
|
| Judgement | 11/7/2009 |
Q: I have been served a judgment order from a credit card company. I have been unemployed for 1 1/2 ...
A: Yes they can if a judgement is formally in place. You can place it into a business name but if you ...
|
| Answering a judgement | 11/6/2009 |
Q: I was served a summons for an Amex debt that I have already reached a settlement on with the ...
A: If you have a written and negotiated settlement that you are comfortable with, just answer it ...
|
| Repo | 11/6/2009 |
Q: I purchased a car in Florida that I can no longer afford. I recently registered it in Texas (where ...
A: Any contract can be re-negotiated or changed if BOTH parties agree to it. It also has to be a ...
|
| summons | 11/6/2009 |
Q: I recieved a summons from a finacial comp that had bout a credit card debt i had when i was ...
A: First, if you have not done so, you need to get your name off or close any account you do not have ...
|
| Repo | 11/5/2009 |
Q: I purchased a car in Florida that I can no longer afford. I recently registered it in Texas (where ...
A: The advantage to "voluntarily" surrendering it is to keep the repossession costs down, therefore ...
|
| Is there jail time in my future? :o( | 11/5/2009 |
Q: :-) I really appreciate it. Please allow me to preface the following with a bit of necessary ...
A: I am sorry for your situation. Bankruptcy would stop the collection of this debt including the ...
|
| Response to a Motion for Dismissal Without Prejudice | 11/5/2009 |
Q: Back in May of this year I was summoned to court by a company who was suing myself and grandmother ...
A: I want to say up front that this specific issue of student loans and bankruptcy is not my primary ...
|
| Pa. joint home ownership question | 11/5/2009 |
Q: My wife and I live in Pa. and fell behind on 2 credit card accounts. Her card is in her name only, ...
A: Yes. This is a formal procedure where they are asking you for information. Similar, but not ...
|
| Help! I've been served... | 11/5/2009 |
Q: In 2006 I had a small business (an LLC) in Colorado with a business credit card. I was out of ...
A: OK, so I don't quite get this. Did you sign as a personal guarantor on the credit card or was it ...
|
| Pa. joint home ownership question | 11/5/2009 |
Q: My wife and I live in Pa. and fell behind on 2 credit card accounts. Her card is in her name only, ...
A: The actual process varies by state. Usually they either get a court to issue the order to the bank ...
|
| Pa. joint home ownership question | 11/5/2009 |
Q: My wife and I live in Pa. and fell behind on 2 credit card accounts. Her card is in her name only, ...
A: In general, what you are saying about the personal property is correct in your state. However, ...
|
| Paying off- Charged off Credit Card Debt without being contacted first | 11/4/2009 |
Q: I went through a divorce back in 2005. I had a car loan, and Credit cards that have all gone in to ...
A: There are several issues at play in your case. First, proper credit repair takes a minimum of 6 ...
|
| old medical debts | 11/4/2009 |
Q: My new wife and I just discovered some old medical debts from 2002 on her credit report. After all ...
A: You are likely not responsible for these because they are likely beyond Idaho's statute of ...
|
| collection against Estate | 11/3/2009 |
Q: A credit collector filed claim against my mother-in-laws estate in Ga.. We sent a Cert. letter ...
A: You can. Is it a legitimate claim? I mean do you think it is actually owed? If it is, you run the ...
|
| credit application with my bank for visa | 11/3/2009 |
Q: I received in the mail an offer to apply for a credit card from my bank. It says "You have been ...
A: It is the case whether or not you are approved. The action of the hard inquiry is the process that ...
|
| Garnishment in State of Iowa | 11/2/2009 |
Q: I have a creditor that has already garnished and collected over $2000.00 from my wages in this ...
A: No, although your amounts appear to be slightly off. From what I see in your range, it's $1,500 for ...
|
| Billing Collections | 11/2/2009 |
Q: I live in Florida and had several hospital bills all at one time. These bills all added up to ...
A: It is legal for them to go to a collection agency if you have not met their payment terms or ...
|
| credit application with my bank for visa | 10/31/2009 |
Q: I received in the mail an offer to apply for a credit card from my bank. It says "You have been ...
A: There are two types of credit inquiries: a hard inquiry and soft inquiry. A hard inquiry is the ...
|
| Medical Debt Collections | 10/31/2009 |
Q: My wife and I live in West Virginia she has several medical bills that are adding up but the main ...
A: She cannot be arrested for not paying debts unless the debts are related to fraud, which is really ...
|
| Charge off now sueing | 10/30/2009 |
Q: In 1995 I had a automobile loan through Wells Fargo. My girlfriend was the primary borrower and I ...
A: It's obviously a HUGE difference! They can now still sue you legally and get a judgement. Your ...
|
| Repo question | 10/30/2009 |
Q: My Fiance was buying a car through Mc Curdy Motor Co Inc, in Hutchinson, KS. She couldn't make her ...
A: Jeez, that's awful. There are several factors at play. In general, it's not illegal for them to ...
|
| Charge off now sueing | 10/29/2009 |
Q: In 1995 I had a automobile loan through Wells Fargo. My girlfriend was the primary borrower and I ...
A: I don't understand why you are dealing with this at all. 1995? And why would this is still within ...
|
| loan payment | 10/29/2009 |
Q: i owe over $6000 with a creditor. My questions is what is the least amount you can advise I can ...
A: VERY difficult to answer because it depends on so many variables. So I can only answer in general ...
|
| my nephew the soldier who will not pay his debts | 10/29/2009 |
Q: "my nephew came to live at my home in 2006 and did not even have a drivers license then. my common ...
A: I am not aware of any of the three major credit bureaus accepting private accounts from consumers ...
|
| credit | 10/29/2009 |
Q: i have been in a debt settlement program for a year now, and have settled my largest and smallest ...
A: Let me start by saying congratulations on the attitude and determination to get this fixed and your ...
|
| Debt Collection Lawsuit | 10/28/2009 |
Q: I was sued by my Medical Center for 4 unpaid bills. I have proof of payment of all, filed an answer ...
A: Often doesn't seem fair, does it? You main rights are when they are in violation of the Fair Credit ...
|
| my nephew the soldier who will not pay his debts | 10/28/2009 |
Q: "my nephew came to live at my home in 2006 and did not even have a drivers license then. my common ...
A: You are not going to like my answers. This goes under the case of "no good deed goes unpunished." ...
|
| federal ID # | 10/28/2009 |
Q: I need to obtain the federal ID # and the state business ID # on a corporation in my state in a ...
A: Richard: Most of this is public record but I guess it depends on the state. In Florida for ...
|
| credit card debt | 10/28/2009 |
Q: I have an old credit card debt from around 1998-1999 of $8,000. Didn't hear much of anything until a ...
A: I'm sorry that you made the mistakes you did. If it means anything, you are not alone in not ...
|
| verizon account collections | 10/27/2009 |
Q: Ok so let me start with I made the mistake of letting my mother use my name for her Verizon account. ...
A: There are different thoughts on this. OPTION 2: You can try to negotiate a better deal. Send a ...
|
| i owe to ssi & are buying land | 10/27/2009 |
Q: a few months later they sent me something saying they over paid me and i need to pay them back. i ...
A: I'm a little confused about the status of your situation - judgement/liens already in place? - so ...
|
| Collecting lawsuit money from SSI recipient | 10/26/2009 |
Q: State of Ohio: I've recently won my civil lawsuit for $1,500 against my nephew, who is on SSI. He ...
A: If there is no real estate, bank accounts, or income other than SSI your only possible route is ...
|
| default on payday loan | 10/26/2009 |
Q: I owe an old payday loan from 2005 I am unable to pay it at this time a person called Identifying ...
A: There are many things that could be considered fraud or false pretenses. Examples would be lying on ...
|
| Subpoena Duces Tecum for Deposition in aid of Execution | 10/25/2009 |
Q: Greetings, in 2004 I lost my job and subsequently had my car repossessed and I was of course left ...
A: Renee: I am guessing you received a judgement debtor's examination. This is a very serious issue. ...
|
| Life after Judgement | 10/25/2009 |
Q: a few years ago, my wife had a Banks of America credit card of which I was an authorize user of, ...
A: Daniel: I am not dead set against bankruptcy but it has to be in the right situations. Too often ...
|
| medical bills minimum payment | 10/24/2009 |
Q: I was told you can make a minimum payment on ANY medical bill of $5.00 per month and make the ...
A: No. I don't live in California but have a decent amount of clients over there. Never heard of it ...
|
| 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: I'm not trying to avoid or overly complicate your question but that's kind of like asking ...
|
| 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 are NOT obligated to remove it and it can stay on for the seven - actually 7.5 - ...
|
| credit app | 10/24/2009 |
Q: I semi-retired and have a very small part-time job, so in applying for a credit card, my annual ...
A: It can help a little. Especially with smaller banks or credit unions. However, the days of the ...
|
| sick & tired of being tired!!! | 10/23/2009 |
Q: My husband has a judgement against him for a (18,000.00 but was originally a $15,000 Personal loan), ...
A: You are correct. It benefits you that you are in South Carolina, one of the more difficult states ...
|
| Disclosure Hearing question | 10/23/2009 |
Q: I was scheduled for a disclosure hearing and called the attorney for the creditor. I asked to see ...
A: This is actually a very complicated question with lots of issues that can complicate it, so I want ...
|
| sick & tired of being tired!!! | 10/23/2009 |
Q: My husband has a judgement against him for a (18,000.00 but was originally a $15,000 Personal loan), ...
A: I'm sorry you are in this position. You are not alone. The issue of collecting on a judgement ...
|
| default on payday loan | 10/23/2009 |
Q: I owe an old payday loan from 2005 I am unable to pay it at this time a person called Identifying ...
A: The company or collection agency cannot. If you violated a law, they could REFER you to the ...
|
| help | 10/22/2009 |
Q: My biological mother took out a chase mastercard out and put me down as an authorized user..or so I ...
A: You can start by sending it to the applicable address on the statement. If not, call the number you ...
|
| help | 10/22/2009 |
Q: My biological mother took out a chase mastercard out and put me down as an authorized user..or so I ...
A: Is it reporting on your credit reports? You can get a free copy once a year at ...
|
| medical bill collection | 10/21/2009 |
Q: I had to have an emergency surgery and I have a very high deductible. I now have a few thousand ...
A: It is unlikely the hospital reports to the credit bureau directly. What they do is collect what ...
|
| Repossession | 10/21/2009 |
Q: I was late on my car payment and my car was repossessed. I have never been late before. The company ...
A: I'm sorry you are in this position. I want to say up front that I do not live in Ohio, so this ...
|
| Dad's credit card | 10/18/2009 |
Q: Last week I told the actually very nice lady in collections whose own father is currently living ...
A: I don't think you are obligated to give them the attorney's name. You are the executor, you should ...
|
| Credit Card collection on estate time period | 10/17/2009 |
Q: Deceased Dad's credit card used by my brothers to charge their airfare to funeral prior to death. ...
A: Betty: Thank you for the kind words. Technically, yes on that life insurance thing. I think it ...
|
| Credit Card collection on estate time period | 10/17/2009 |
Q: Deceased Dad's credit card used by my brothers to charge their airfare to funeral prior to death. ...
A: Technically, they could collect from the sale of the house. I think it is unlikely. They would ...
|
| Can I sue a agency for garnishing my money? | 10/17/2009 |
Q: I recently wrote to the credit reporting agencies about judgments that dated back to 1996. I asked ...
A: I'm a little confused about exactly what you are saying the problem is, so I hope I answer it ...
|
| Cambece Law | 10/16/2009 |
Q: In May of 2009 I made my last payment to Cambece Law after years of harrassment. Two days ago I ...
A: The short answer is if you have paperwork showing an agreement to basically settle the account for ...
|
| collection of a debt | 10/16/2009 |
Q: I have had a lot of trouble lately with paying my bills as my husband is out of work on disability ...
A: Rebecca: You need to send a letter to the collection agency asking for validation under the Fair ...
|
| Credit Card collection on estate time period | 10/16/2009 |
Q: Deceased Dad's credit card used by my brothers to charge their airfare to funeral prior to death. ...
A: ) Unfortunately, I can't give you a definitive answer to your question. It really comes down to a ...
|
| credit card debt and collections | 10/15/2009 |
Q: I have been laid off from my previous job now for several months when the recession got really bad. ...
A: Sam: I'm sorry for your situation. You are not alone. You have a few options. What you were ...
|
| Owed 1/2 of consolidation loan from ex | 10/15/2009 |
Q: The loan company will not split the bill in half but my ex is not paying his half per the divorce ...
A: You are in a tough situation. The loan company has no obligation to honor your divorce decree. ...
|
| Summons to Appear With Wrong First Names | 10/15/2009 |
Q: I am preparing to file bankruptcy in Illinois, but a lawyers firm has prepared and served a summons ...
A: Russell: It is possible, but I ask to what end? They will just amend or re-file the case. The ...
|
| Civil Summons | 10/14/2009 |
Q: Had above served from an attorney representing Unifund CCR Partners. We are residents in NC. Only ...
A: There are a lot of factors here and you probably need more information or need to confirm a few ...
|
| been served | 10/14/2009 |
Q: like many people these days I ran into hard times and stopped paying some credit cards.Now sears and ...
A: Ken: I would not ignore it. If you ignore it, you will get a judgement against you. Once a ...
|
| judgement | 10/13/2009 |
Q: I recently received a letter from my local sheriff dept. stating a judgement has been filed and an ...
A: It can. Like all states you have to qualify for the bankruptcy. If the underlying debt qualifies ...
|
| Expired Sister's Debts | 10/13/2009 |
Q: I hired an attorney to deal with my expired sister's debts in October of 2007. There were 5 ...
A: Up front, you are talking about you sister's ESTATE, correct? I hope you are not paying these ...
|
| Title Loan | 10/13/2009 |
Q: I have been getting title loans from specific title loan company for over two years now. I have ...
A: Racheal: The answer is absolutely "yes" they can sue you. However, the method of what happens ...
|
| judgments | 10/12/2009 |
Q: what is the statute of limitations in Ohio for judgments. The case was filed on 7/23/03 and one of ...
A: Upfront: I am NOT an Ohio attorney or resident. Although I think my information below is sound, I ...
|
| judgement | 10/11/2009 |
Q: I recently received a letter from my local sheriff dept. stating a judgement has been filed and an ...
A: The simple answer is "likely yes" they can show up to take personal property. Your recourse depends ...
|
| debt collector home transfer | 10/9/2009 |
Q: transferred my home to my sister. Week later I receive a credit card summons, abritatratiion no ...
A: Ken: Which came first; the transfer or the court/judgement date? Obviously better if the transfer ...
|
| Civil suit by creditor | 10/8/2009 |
Q: I a, being sued for past credit card debt (sold to collection agent) for an account that I have had ...
A: I assumed the credit card was closed, thereby enforcing it as a written contract. I think it's a ...
|
| Doctor bill | 10/8/2009 |
Q: My daughter went to the doctor back in May. She was almost 20 at the time and lived on her own. She ...
A: Well, I would seek additional opinions. Also, much of this will vary by state laws, so it's always ...
|
| Civil suit by creditor | 10/7/2009 |
Q: I a, being sued for past credit card debt (sold to collection agent) for an account that I have had ...
A: Ken: First of all, I think the statute of limitations in both those states is SIX years but I would ...
|
| Debt Negotiators | 10/7/2009 |
Q: We hired this firm in our state, Florida to negotiate our credit card debt. The owner of this firm ...
A: I'm sorry to tell you that I belive you are the victim of a scam. This will not work, unless your ...
|
| Collection Question | 10/7/2009 |
Q: I live in OH, I filed a Chapter 13 plan in 2004, and am now out of the plan. My question is as ...
A: If they were notified and included in the plan, it is not only unethical, but illegal. ...
|
| Doctor bill | 10/6/2009 |
Q: My daughter went to the doctor back in May. She was almost 20 at the time and lived on her own. She ...
A: This comes down to an issue of if you signed, authorized, or otherwise gave legal indication that ...
|
| Debt Collection | 10/6/2009 |
Q: I have 2 past due credit card accounts with Chase and MBNA. I have been unable to keep up with my ...
A: Whether or not they choose to sue is not likely going to be based on if you asked for validation or ...
|
| sued by collection agency | 10/6/2009 |
Q: A collection agency is trying to sue me for a old credit card debt from 2003. They have tried to ...
A: : I just copied and pasted your questions and wrote my answers beneath them for simplicity. * ...
|
| Wrongful Judgement | 10/5/2009 |
Q: My ex-husband defaulted on a lease, which I never signed and never lived in the house.I knew nothing ...
A: If it is as you stated, yes you can and should sue them for the money and removal of the judgement. ...
|
| sued by collection agency | 10/5/2009 |
Q: A collection agency is trying to sue me for a old credit card debt from 2003. They have tried to ...
A: Yes, they can still sue you. Providian was a creditor that issued a LOT of credit cards. They were ...
|
| spousal credit card debit | 10/5/2009 |
Q: I recently found out that my husband has opened a credit card account(not a joint account)without my ...
A: I'm sorry, I don't quite understand. Are you wanting to buy a house together or alone (marital ...
|
| sued by collection agency | 10/3/2009 |
Q: A collection agency is trying to sue me for a old credit card debt from 2003. They have tried to ...
A: Whether or not you need to be formally served or not varies by state. Some states, such as ...
|
| Judgement Collection | 10/3/2009 |
Q: IN SC in I am sued in civil court and they say the money I obtained was done fraudulently, what can ...
A: South Carolina is one of the states that has a lot of exemption and restrictions on what can be ...
|
| Debt Collection | 10/3/2009 |
Q: I have 2 past due credit card accounts with Chase and MBNA. I have been unable to keep up with my ...
A: First of all it is critical that the letter your received from the collector with the 30 day ...
|
| Re: Creditors freezing bank accounts | 10/2/2009 |
Q: I live in Virginia and I am currently unemployed and have been for about a month. A couple of days ...
A: No, but this is a difficult area. Typically, you have the burden of proof to show the bank, ...
|
| 5 year old medical bill | 10/2/2009 |
Q: I went to the hospital in May 2004 for a check-up with my new doctor for my first pregnancy. I had ...
A: They will go after your mother. They cannot enter into an agreement with a minor. The legal ...
|
| Credit Card Debt Delima | 10/2/2009 |
Q: Due to a back injury, followed by multiple medical conditions I have been disabled and unable to ...
A: I am very sorry you are in this situation! I honestly know it must be difficult. You have options ...
|
| awarded judgement, debtor not paying | 10/2/2009 |
Q: I have an ongoing situation with regard to a motorcycle titled in both my ex-boyfriend and my name. ...
A: It's a tough situation you are in. I will try and answer your questions specifically. * My first ...
|
| 8 YO dental debt | 10/1/2009 |
Q: as an 18 year old in 2001 i received dental services and was covered under my father's dental plan. ...
A: I would NOT pay a penny on this debt! In fact, I would threaten to sue the collection agencies ...
|
| 5 year old medical bill | 10/1/2009 |
Q: I went to the hospital in May 2004 for a check-up with my new doctor for my first pregnancy. I had ...
A: If you received a letter from the collection agency with a statement such as "if you do not notify ...
|
| credit report | 10/1/2009 |
Q: I see when I request my credit report from annualcreditreport.com they say they may share my ...
A: Jesse: It has been a while since I pulled my own credit through that site, so like you have done, ...
|
| Charged off auto loan | 9/30/2009 |
Q: I started a chapter 13 bk to try and save my home. I never completed the process and the case was ...
A: I don't understand. Do you still have the car? I guessing you still have the car, want the car, ...
|
| Reaging debt | 9/29/2009 |
Q: My question is this. Can a company sell my debt to a collection agency right before my 7 years is ...
A: First of all, don't talk to them on the phone unless it is LEGALLY advantageous to you :) To answer ...
|
| judgment | 9/28/2009 |
Q: In 2000, a company I owned and still own entered into a contract for demolition and trash hauling. ...
A: Richard: Thank you for the kind words in feedback. You are exactly right and on top of this. ...
|
| judgment | 9/26/2009 |
Q: In 2000, a company I owned and still own entered into a contract for demolition and trash hauling. ...
A: Short of trying to re-open it and fight it again - sounds like that is not what you want to do - you ...
|
| Credit Question | 9/26/2009 |
Q: Unfortunately, I am having a judgement put on me my for an old "credit card". I do owe the money and ...
A: I'm so sorry you are in this position. I want to say up front that I think you should also contact ...
|
| third party disclosure | 9/25/2009 |
Q: I had called my finance company requesting a deferral/extension on a payment. The rep said she ...
A: I don't think you have much of a case. Since you work in collections, the reason you cannot leave ...
|
| BANKRUPCTY AND DEBT COLLECTION | 9/24/2009 |
Q: I am in the middle of a "pro se" bankruptcy action. I just couldn't afford an attorney. I have ...
A: No, they are not allowed to treat you that way. The Fair Debt Collection Practices Act (FDCPA) ...
|
| collecting on debt | 9/23/2009 |
Q: A friend of mine has been over and over about collecting a debt that was part of a divorce decree. ...
A: Creditors are not obligated to abide by a divorce decree. If there is a joint account that she put ...
|
| Charges for reading a CT Scan from an unknown party | 9/23/2009 |
Q: I've been going rounds with various medical entities about some charges appearing on my credit ...
A: Sounds like you have the right idea. If the complaints don't work, file them again or file them ...
|
| Civil Summons in District Court with Midland Funding LLC | 9/22/2009 |
Q: Can I represent my mom who is 88 yrs old in court, she is in poor health and I have power of ...
A: I'm sorry you are in this position. If you have power of attorney, you can represent her. You will ...
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| Charges for reading a CT Scan from an unknown party | 9/22/2009 |
Q: I've been going rounds with various medical entities about some charges appearing on my credit ...
A: This is a complex issue. Playing devil's advocate, it is possible (likely?) that you gave ...
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| medical bills collections | 9/22/2009 |
Q: My question is I know in Utah the providers have 1 year in which to bill the Insurance. How long ...
A: It's a complex issue with medical collections. Per your request, feel free to call me or send your ...
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| Collections on a Corporation | 9/22/2009 |
Q: I got a call today from a collection agency about an old bill(2006) incurred by my company. We are ...
A: This is a VERY complicated question FULL of variables. Please be sure to get additional opinions ...
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| medical bills collections | 9/22/2009 |
Q: My question is I know in Utah the providers have 1 year in which to bill the Insurance. How long ...
A: Technically, I am not aware of anything that keeps the original creditor from billing you for ...
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| wachovia | 9/21/2009 |
Q: hey Regan!!just wanted to follow up on the question i ask you about wachovia.you were right,they ...
A: Social security income is exempt from being garnished or collected, even if there is a judgement in ...
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| wachovia | 9/21/2009 |
Q: hey Regan!!just wanted to follow up on the question i ask you about wachovia.you were right,they ...
A: Yes, I hope others with any type of social security, SSI, disability or similar income read your ...
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| social security disability and collections | 9/19/2009 |
Q: i have a bank account with wachovia.i also have a equity line with wachovia.they know that my social ...
A: I feel so sorry for you to be in this position! I must say, I have read mixed opinions on if they ...
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| erroneous info from medical provider | 9/18/2009 |
Q: As I have an HSA, I was "shopping" for a colonoscopy. I had previously called my insurance company ...
A: You are on track with your thinking on this. The key is the verbal conversation. The simple answer ...
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| Collection over 7 years old | 9/18/2009 |
Q: I have a debt from 2000 that I recently got a letter from Calvary Portfolio and the Court. I now ...
A: When you say it is "from" 2000, do you mean the date of last activity on the account was in 2000? ...
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| Debit Consolidation Firm | 9/18/2009 |
Q: In 2004 I contracted with EDR for debit consolidation. Since that time, 1/2 of all funds paid to EDR ...
A: I'm not sure I fully understand your case. Are you saying EDR has disappeared on you or gone out of ...
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| car repo | 9/18/2009 |
Q: I just had a car repossessed. I am buying a car from a buy here pay here lot. Have been a little ...
A: I have spent the past hour trying to get a definitive answer for you. I don't live in Kentucky so I ...
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| Collection Law | 9/18/2009 |
Q: My husbands ex took their daughter to a psychotherapists for the past 4 months without any payment. ...
A: You're welcome. At the very least, if the medical office was sending statements to her mother's ...
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| Collection Law | 9/17/2009 |
Q: My husbands ex took their daughter to a psychotherapists for the past 4 months without any payment. ...
A: Is there any court order of custody outlining medical care? Child support documents? If so, those ...
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| Collection Law | 9/17/2009 |
Q: My husbands ex took their daughter to a psychotherapists for the past 4 months without any payment. ...
A: There are a couple factors at play here. The first is to confirm what is in the divorce decree. ...
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| collecting a judgement | 9/16/2009 |
Q: I have a judgement from Small claims court against my landlord. Their property in the county where ...
A: In general, yes you can get a lien on that property. Basically you need to get a Transcript of ...
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| judgement lien | 9/16/2009 |
Q: We have a judgement in the amount 30,000 on a rental we own but have sold on lease option. We ...
A: First all, anything SPECIFICALLY written in the contract and that is otherwise legal, will take ...
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| colleciton...can I say | 9/15/2009 |
Q: I am a collector. I want to know if I can legally use this phrase: Scenario: Collecting from a Dr., ...
A: I am not aware of any specific instance where this has been adjudicated on this issue alone. ...
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| sued over old credit card | 9/11/2009 |
Q: i am being sued over an old credit card the account has been closed for about 3 or 4 years I am ...
A: Stacy: You did not send this question to me, but I see that no one has answered it. It was sent to ...
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| Collections | 8/29/2009 |
Q: I hired a lawyer 3 years ago to help me with a case. I gave them $2000 up front but since my DA had ...
A: You did not send this question to me, but I see that no one has answered it. (It was sent to the ...
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