| Subject | Date Asked |
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| Allied Interstate Collection Abuse, Robert Paisola Responds | 4/5/2008 |
Q: I am a 23 year old medical student. I have acquired debt putting myself through college but never ...
A: Amelia, I want you to buy a digital recorder and to record these people going off on you. If they ...
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| old debt with possible judgement- Out of Statute- GO TO HELL- Robert Paisola Responds | 4/4/2008 |
Q: Recently I started receiving early-morning calls that appeared on my caller ID as simply ...
A: Sheila, This is a very short and to the poing answer. This debt is out of statute and if they have ...
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| CBCS collection on a debt that is 10 years old, Robert Paisola Responds | 3/27/2008 |
Q: Recently I received a letter from CBCS for a $92.00 debt owed to Sprint from 1998. Sprint has no ...
A: Colby, This is a very easy question for me. Tell this collection agency to GO TO HELL and that ...
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| "Cure a Default" Demand Letter from Debt Collector, Robert Paisola Responds | 3/26/2008 |
Q: I received a letter from a debt collector, with a "Notice of Right to Cure Default." The amount in ...
A: Here is what is happening here.. The collector is attempting to make you believe that you are in ...
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| Tell Calvary Portfolio to Go to Hell- Robert Paisola Investigates | 2/29/2008 |
Q: I ahve a debt on a pickup, that has ran the seven year on the credit report, then i get this a ...
A: Easy question. Calvary is a Bottom Feeder. They buy your claim for 1-2 cents on the dollar and try ...
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| Served by the Sherrif- Unsecured Credit Card- Robert Paisola Responds | 2/28/2008 |
Q: I received a summons today from the county sheriff for a citibank credit card. I used the ...
A: Good Evening Mr. Burns, Thank you for writing to me. I am writing to you from Cancun Mexico, where ...
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| Disputed Medical Bill- Robert Paisola Investigates | 2/27/2008 |
Q: I received a bill from a physical therapist who performed no work on me. I sent them a letter ...
A: Michelle, Thank you for writing to me about your issue with your doctor. What I would do if I ...
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| LVNV Funding Files Suit- Robert Paisola Responds | 1/23/2008 |
Q: I have 2 summons for 2 different debts. I have answered to one (contesting) and have approx. 20 days ...
A: Michael, Thanks for taking the time to write to me on this matter. Let me tell you that having ...
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| Tax lien to collect small claims judgement? Robert Paisola Responds | 1/22/2008 |
Q: I was recently awarded a $2500 judgment which the other party refuses to pay and is known to switch ...
A: Good Evening Ed! This is a great question and one that makes rfect sence. However, as far as I ...
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| Military Servicewoman Screwed by Collection Agency- Robert Paisola Responds | 1/20/2008 |
Q: About a year ago, before we were married, my wife had to have an emergency hysterectomy; there was ...
A: I have been unable to answer a lot of questions for the past few months, as I have been doing my ...
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| Cell Phone Bill Goes from FREE TRIAL to THREATS- Robert Paisola Responds | 1/5/2008 |
Q: About 4 years ago, I ran into some trouble with a cell phone company. They sent me a huge bill made ...
A: Here is what I see. You are a foreign student in the country. You get an offer for a free cell phone ...
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| Never Ever PAY money to a collection agency-Robert Paiola Responds | 12/14/2007 |
Q: A credit collection agency has contacted me to collect on a debt. I am not disputing the fact that I ...
A: There is only one way that I would pay this. That is if you have an agreement with the original ...
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| Credit Solutions Screw Job- Robert Paisola Responds | 12/13/2007 |
Q: i was served a paper to respond to by the sheriff by a debt collector law firm. it states that they ...
A: I want you to know that the paper that you received simply states that if you fail to respond, that ...
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| Timeshare Dispute- Westgate Resorts Scam Strikes Again- Robert Paisola Responds | 12/12/2007 |
Q: We are UK citizens,on holiday in Florida we were wrongly informed and feel we were pressurized into ...
A: Emma Thank you for writing to me about the Westgate Resorts Issue that you read about so often in ...
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| Collection Lawsuit- Robert Paisola Responds | 12/10/2007 |
Q: I'm selling my house via a short sale and have an offer. The junior lender is HFC. We have been ...
A: Great question, and smart advice! That is a great idea, just demand validation of the debt pursuant ...
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| I'm Being sued for $35k on a old credit card,-Robert Paisola Responds | 12/9/2007 |
Q: I had some financial difficulity a little over a year ago and could not pay Chase Bank the $35k i ...
A: I want to take a moment to thank you for writing to me on your Chase Bank Account Lawsuit. I am ...
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| Perkins Loan- Robert Paisola Responds | 11/24/2007 |
Q: I have been out of school for more than 15 years and have been contacted as to repayment of a ...
A: I wanted to take a moment to write to you personally and tell you that I apologize for the delay in ...
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| credit card levy-Robert Paisola Responds | 11/20/2007 |
Q: I was wondering do you have to be notified if a credit card company is going to put a bank levy on ...
A: I wanted to take a moment to write to you personally and tell you that I apologize for the delay in ...
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| Aparment Rental Refusal- Robert Paisola Responds | 10/31/2007 |
Q: Me and my boyfriend are looking to move out of our current apartment..We went apartment shopping, ...
A: Janeth, Here is the bottom line. If your credit report shows another property that is reporting you ...
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| Wells Fargo and Mattress Warehouse Incompetent- Robert Paisola Responds | 10/30/2007 |
Q: Mr. Paisola, Two years ago, we purchased a mattress at Mattess Giant and put it on store credit ...
A: I know all about this matter, and the people involved at Wells Fargo have been terminated. The ...
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| Single mom gets Fake Summons- Robert Paisola is Pissed | 10/29/2007 |
Q: About 3 weeks ago I recieved a letter in the mail from a New York law firm. The letter is reads ...
A: Debra, First of all, please forgive the delay for getting back to you. I am getting hundreds of ...
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| One account - Two agencies- Robert Paisola Responds | 10/28/2007 |
Q: What should/could be done if one account (ie same account numbers and original creditor) has ...
A: First of all, pursuant to the FCRA, the same account can not be listed more than once on a consumer ...
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| JA Cambece Lawsuit Scam- Robert Paisola Responds | 10/27/2007 |
Q: I just received a summons from a local attorney representing CACV of Colorado for debt they ...
A: Here is what I see. Chase made a workout agreement with you to repay this debt. You agreed to the ...
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| Medical Bill- Pays for 2 Years- Then Forced to Pay 500 per month or court- Robert Paisola Gets Involved. | 10/26/2007 |
Q: I had to have heart surgery 2 years ago and have been paying 40-50 dollars a month on the bill I ...
A: Holly, Here is the bottom line. Your account has been kept in house by the hospital or they have ...
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| Getting sued By Chase Bank- Screwed Up Arbitration- Robert Paisola Responds | 10/25/2007 |
Q: I have no job, or assets, other than two cars that I'm still paying on, but I'm getting sued from ...
A: I know that you must be stressed as hell because of the Chase Bank arbitration award. Let me tell ...
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| Overdue Library Books... Serving Our Country in the Military- Robert Paisola Responds | 10/24/2007 |
Q: My question concerns overdue library book fees being put on my credit report when I was under the ...
A: Riley, Thank you for writing to me, and I appreciate the trust that you have in me and my team to ...
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| Summons for past credit card debt-UNIFUND SCREWS UP AGAIN- Robert Paisola Responds! | 10/23/2007 |
Q: Today I recieved a summons at my old address (my parent's house) for a credit card that I last paid ...
A: Megan, First of all, I want you to relax and realize that you are dealing with one of the most ...
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| Auto Repossession- Robert Paisola Responds | 10/22/2007 |
Q: Is a finacial institution required to make notification prior to vehicle repossession? I live in ...
A: Here is the problem. When you buy a car there is a six feet stack of papers that you are required ...
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| Bank Levy issued on 67 yr old- Robert Paisola Responds | 10/16/2007 |
Q: My name is Jay Wortham. My mom had a similar situation to one the clients listed on your survey of ...
A: I can not even answer this question in writing. I just called Jay at 9:30 PM on a Sunday night and I ...
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| Threat of judgement from Auto Repo- Robert Paisola Responds | 10/9/2007 |
Q: Robert, I live in Texas and co-signed for a car (ex-boyfriend) that was repossessed in 2004. There ...
A: First of all, thanks for writing me. I am getting hundreds of messages and I personally handle each ...
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| Pay Day loan SCAM in Florida- Robert Paisola Responds | 10/8/2007 |
Q: I have a payday loan thatI took out and haven't paid it off as yet. I reside in the state of Florida ...
A: Let me tell you this PAYDAY LOANS ARE A SCAM AND SHOULD NEVER EVER BE USED. Now, since you have ...
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| Medical Dept Sent To Collection Agency- Robert Paisola Gets Involved | 10/6/2007 |
Q: Oregon. The paramedics took him to the hospital where he incurred roughly $20,000 in debt and may ...
A: Good Morning Rachel, Great to hear from you again. Sorry for the delay in getting back, but I was ...
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| Payday Loan- Threatened by Police- Go to Hell- Robert Paisola Responds | 10/5/2007 |
Q: I live in Texas and in May I received an online Payday Loan. After the loan I ran into financial ...
A: Consuelo, Here is the magic question. Was the checking account that you gave them open prior to ...
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| Mortgage in my name-property in ex's name Robert Paisola Responds | 10/4/2007 |
Q: A few years ago I did what I see now as a VERY foolish thing: When I got divorced in 2004 (we even ...
A: Good Afternoon Brian, Thank you for writing to me about the home that you left in your ex wifes ...
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| FIRST RESOLUTION INVESTMENT CORP and BLITT AND GAINES, TRIES TO SCREW OLD MAN- ROBERT PAISOLA GETS PISSED...AND INVOLVED | 10/3/2007 |
Q: I live in Illinois and went on disability in 06. I have not worked sense 03. I have a credit card ...
A: Here is the bottom line. The debt has been through 6 agencies. The "Law Firm" that you refer to ...
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| FRANKLIN COLLECTION AGENCY IN TUPELO MISSISSIPPI SCREWS A CLIENT, By Robert Paisola | 10/2/2007 |
Q: ..I purchased my credit reports/scores through My FICO on June 10, 2007...my scores were 745, 727, ...
A: Lynn, Here is the answer. Send this letter to the collection agency. Dear Collection Manager: My ...
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| Payday collection Loan-- Robert Paisola Responds | 9/28/2007 |
Q: I took out a pay day loan several years -- several at once. I paid pack all but one--i thought I ...
A: This is a bunch of crap. The payday loan company is in Costa Rica and you are in Texas. Tell them ...
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| Medical Dept Sent To Collection Agency- Robert Paisola Gets Involved | 9/27/2007 |
Q: Oregon. The paramedics took him to the hospital where he incurred roughly $20,000 in debt and may ...
A: Katrina, This is the kind of shit that keeps me doing this type of work for free. This is ...
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| Has credit card judgement- Cease and Desisit Collection Agencies- Robert Paisola Responds | 9/24/2007 |
Q: I live in Volusia county Florida and I recently had a credit card judgement against me for $1200 by ...
A: Let me first state that your husband has no obligation to fulfill on yout premarital ...
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| hiding car from repossession- Robert Paisola Responds | 9/23/2007 |
Q: My son and his companion are purposefully hiding a car from repossession behind my garage. Am I ...
A: Cecilia, Your son most likely did not make his payments as agreed to the bank. Tell him to get the ...
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| IRS-bank levy on business account- Robert Paisola Responds | 9/22/2007 |
Q: I hired a firm to make payment arrangements with the IRS regarding non-disputed owed taxes(very ...
A: Let me tell you that during my career of assisting businesses turnaround to become profitable , like ...
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| Need help, do we do a voluntary reposession? | 9/21/2007 |
Q: We have a 2004 F-150 and owe $18,000 on it still. We have been having motor issues, and after paying ...
A: Stephanie, Thank you for taking the time to write to me about the car that you bought that does not ...
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| Hospital received payment -sent account to collection agency- Robert Paisola Responds | 9/20/2007 |
Q: In the State of California, can a hospital receive a payment on an account, credit it to the account ...
A: This looks like a clerical error to me. It as as though the day that they received the payment at ...
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| Pay Day Loan - HELP - ASAP- Robert Paisola Responds | 9/18/2007 |
Q: I am asking the question for a family member. He obtained a payday loan which he has not had the ...
A: First of all RELAX, the person that called you was simply a debt collector that crossed the line. ...
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| Asset Acceptance Scam-- Elder Beerman- Robert Paisola Responds | 9/4/2007 |
Q: "I received a summons by certified mail today This summons his rather confusing it states the ...
A: The bottom line is that you are being sued by Asset Acceptance for the Elder Beerman Account. I ...
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| Medical Bills sent to collections- 1999 Bills- Robert Paisola Responds | 9/3/2007 |
Q: Back in 1999, I was 20 years old and was injured on the jobsite while in the employ of a relative. I ...
A: Jeremy, Thanks for taking the time to write to me about the bills that were created from a medical ...
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| 17 year Signs Promissory Note- Valid? Robert Paisola Responds | 8/30/2007 |
Q: I live in Illinois. Can my 17yr. old daughter be held to a promissory note that she signed, or is ...
A: John, You are very lucky. She is not at the age of accountability, therefore she is unable to be ...
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| Filing for Bankruptcy- Levy Filed- Robert Paisola Responds | 8/29/2007 |
Q: My husband is in the process of filing for bankruptcy ... in the meantime a bank levy was put on our ...
A: This really is an easy fix, as the trustee will be reviewing all of the financial transactions that ...
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| Collection Agency is charging interest-Robert Paisola Responds | 8/28/2007 |
Q: I had a medical bill that I had been making payments. However, I missed a few months so they sent ...
A: Since this is a medical bill, more than likely, you signed an agreement in the famous "patient info ...
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| Capital One On Abusive Path AGAIN against Senior Citizen- Robert Paisola Responds AGGRESSIVELY! | 8/27/2007 |
Q: I'm a 67 year old lady on social security which is my only income. Resently I was served with papers ...
A: I am honored that you chose me to ask this most serious question to regarding the Big Bad Wolf, ...
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| medical bills- Collection Agency Has Judgment- Robert Paisola Responds | 8/26/2007 |
Q: Can a company add interest to a medical bill judgement after the judgement the judgement is for ...
A: In each State there is what is called a default interest rate on a debt that is protected by a ...
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| I Live in Texas- Collection Agency wants deficiency judgement on Auto- Robert Paisola Responds | 8/24/2007 |
Q: Good Evening, 3 years ago we financed a 2004 Caravan which we surrendered due to the fact we ...
A: Congratulations on living in Texas. There are MANY collection agencies that will not accept files ...
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| Credit card reporting- Account Pulled and Demand Instantly Made?- Robert Paisola Responds | 8/22/2007 |
Q: I recently pulled up my credit report, I'm in Iowa. Within 10 days of pulling the report, I ...
A: and that is proactive monitoring of a cardholders credit profile DURING the time the card is ...
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| Received a Subpoena on a Creit Card- Can Pay 200.00 per Month - Robert Paisola Responds | 8/20/2007 |
Q: I just got a summons for court by a county cop due to court in the first week of november I owed ...
A: First of all, do not use debt cleanup services. 99 percent of them just take your money and the ...
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| Suttel & Associates - Garnishes Wrong Person- Single Mom- Robert Paisola Responds | 8/18/2007 |
Q: I would like to find out if what happened to me is legal. As well as find out if there is anything I ...
A: Amy, Thank you so much for taking the time to write to me about your issue with Suttell and ...
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| deceased mother/medical bills- Has home- Robert Paisola Responds | 7/29/2007 |
Q: My mother recently passed away leaving at least 25,000 in medical bills. She left 1000 in checking ...
A: The bottom line is that YES, the creditors CAN TRY to come after the home, however, it is extremely ...
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| Collection Agency calling- CBSC- Robert Paisola Responds | 7/28/2007 |
Q: I got my credit report and noticed that there was a collection agency listed on it. I have no ...
A: Here is the good news. CBCS can not get the backup to support the debt. That came right from their ...
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| Midland Credit Management Collects for FCNB But their is NO MEDIA!- Robert Paisola Responds | 7/26/2007 |
Q: MCM hired a lawyer to collect for a FCNB credit card - FCNB bankrupt in 2003 (the only document ...
A: I am so happy to see that Midland Credit has to collect on this pile of crap. Now, You have the ...
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| NCO STRIKES AGAIN ON 10 YEAR OLD DEBT- GO TO HELL- Robert Paisola Responds | 7/24/2007 |
Q: I hope you can help with this one. In the mail today, I received a letter from NCO Financial ...
A: Anna and the entire world who reads this post. NCO is a SCAM. They are being fined in state after ...
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| Suttel and Associates Strikes Again- Robert Paisola Responds | 7/23/2007 |
Q: I received notice (Summons, etc.) served on my household twice (2 times). Both times, I responded ...
A: Mary, I am so sick of dealing with this company that I am ready to issue an international press ...
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| Credit Card Collection- Statute of Limitations Runs in 30 Days- Stall and Delay - Robert Paisola Responds | 7/20/2007 |
Q: I filed bankruptcy and was discharged 2 years ago, all of which are CC debts. My wife received a ...
A: Amazing, you took the words out of my mouth. Do just that and you should be great! I am so glad to ...
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| Credit Card Debt- Assets in Trust- Robert Paisola Responds | 7/18/2007 |
Q: my aunt recently passed away and I am the second successor trustee on her revocable living trust. ...
A: Looking at your issue it appears that someone has done a great job of setting up an asset protection ...
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| Payday Loans- NEVER USE A PAYDAY LOAN COMPANY- ROBERT PAISOLA RESPONDS | 7/17/2007 |
Q: I got several payday loans and was paying them thru my checking account until one of the payday ...
A: First of all, you got screwed by the payday loan company because they deposited the entire amount ...
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| being sued- 16 Credit Cards Behind- Robert Paisola Responds | 7/16/2007 |
Q: I live in North carolina, I have 16 credit cards that are 10mths behind was wondering if they all ...
A: Wow, I bet that your phone has been ringing off of the hook. Here is what I need you to do. Go to ...
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| lien on house, but not on credit-Robert Paisola Responds | 7/14/2007 |
Q: so i had this judgement on my credit when i bought my house it was on my credit, but its not now. ...
A: Rhonda, The judgment can expire off of your credit report, however can still be attached via a ...
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| Medical collections- Ex Wife Signed Name- Robert Paisola Responds | 7/12/2007 |
Q: I am just now finding out about medical bill collections that are in my name because my ex-wife took ...
A: Ok, this is a messy situation where we are going to have to dig into this matter. we need to ...
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| Medical Procedure done in wrong place- Insurance company will not pay- Robert Paisola Responds | 7/11/2007 |
Q: I recently had an MRI ordered from my family doctor who I had to beg for months to order in the ...
A: Good Morning Amber, Wow, what a story! It seems like you have been through hell and back in trying ...
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| Disability, Mobile Home, Car siezure- Robert Paisola Responds | 7/10/2007 |
Q: My name is Mark I am single no dependants. I am being sued by a CC company. Can they garnish my ...
A: I am sad to see that you are being surd by Capital One or one of its collection agencies. Have you ...
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| AMEX-Nationwide & United Recovery- SCAMS FROM HELL- Robert Paisola Responds | 7/8/2007 |
Q: Do companies tend to switch collection agencies when it seems their first choice isn't getting the ...
A: Every one of the companies that you mentioned, we have dealt with for VIP Clients. They know who we ...
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| Contingency Settlement Language in Letter- Robert Paisola Responds | 7/7/2007 |
Q: A couple of months ago, I got a letter from a collection agency about a dept that I didn’t know ...
A: That small print basically means that as long as the check clears you are ok and the letter ...
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| I am in a Diabetic Coma- Grandfather Passed Away- Wachovia threatens Client- Robert Paisola Responds | 7/6/2007 |
Q: Here's the situation. I've had a car for two years...the past year, i was under the impression my ...
A: Paul, I am answering your question out of order because I can feel your stress and pain. Here is ...
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| 11 Year Old Debt- Debtor TAPE RECORDS CONVERSATION- YES YES YES! Robert Paisola Responds | 7/5/2007 |
Q: Robert, First thanks for your strong answers, no bull attitude. I received a collection notice ...
A: Star, The first thing that I want to tell you is you are absolutely AWESOME for following my advice ...
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| Medical Bill- Asked a Psycholigical Question- Billed for Service- Robert Paisola Responds | 7/2/2007 |
Q: I recently visited a doctor of mine for a yearly check- up. I have been going to this doctor for ...
A: Cynthia, Thanks for writing to me about the incident with your Medical Doctor and the 60.00 charge ...
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| bad credit- Eight Years have Passed- wants to Pay Everyone- Robert Paisola Responds | 7/1/2007 |
Q: and didn't pay anybody close to 27k in credit cards only in 1999 up to know i didn't pay 8 years . ...
A: Ernesto, Listen to me clearly. Your idea is a great one. In a perfect world that would be a great ...
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| CREDIT LAW- Bank Refuses to follow Visa Guidelines- Robert Paisola Responds | 6/28/2007 |
Q: I am being sued by GE CREDIT for a credit card purchase that was never fulfilled by the Retailer/ ...
A: It sounds to me like you are doing the right things so far. There is an entire set of Visa- ...
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| College Debt - Goes to Collection Agency- Debtor Pays- Get It off My Report! - Robert Paisola Responds | 6/27/2007 |
Q: A year after leaving a school believing my tuition to be properly taken care of my the VA, I ...
A: First of all, I want to thank you for writing to me on this issue that you seem to be having with ...
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| Medical Bill- Statute of Limitations- Robert Paisola Responds | 6/26/2007 |
Q: I just received a phone call from a collection agent today from a hospital bill from 2001 the same ...
A: My main focus is to be assured that you are ok, and I pray that you are doing well. A diagnoss like ...
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| Can a Doctor add Collection Fees- Robert Paisola Responds | 6/25/2007 |
Q: I am the office manager for a single physician medical office...we have several accounts which we ...
A: In a matter like this, the answer will be determined by the language in your contract. If it says ...
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| Unifund Partners- Robert Paisola Goes to War | 6/18/2007 |
Q: Paisola: I am trying to help my parents. My step-father is a disabled veteran and had a Mastercard ...
A: Kim, Go to my site at www.mycollector.com and click on the Unifund Class Action lettering at the ...
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| Collection Agency Garnishes 5300.00 from Bank Account- Robert Paisola Responds | 6/17/2007 |
Q: I JUST FOUND OUT AFTER MY BANK ACCOUNT GOT FROZEN THAT I WAS TAKEN TO COURT LAST SUMMER FOR AN OLD ...
A: Margie, If there is a garnishment against your account, we have to act fast. So, cutting through ...
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| Door to Door Tool Guy Takes All Tools- Even ones not bought from him- No Court Order- Robert Paisola Responds | 6/16/2007 |
Q: ok i had my tool cart take from my work by the tool dealer because i owed him money 297.00 is the ...
A: Hey Matthew! Let me tell you this. This guy needs to be nailed. Who in the hell has the right to ...
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| civil suit- Capital One- Robert Paisola Responds | 6/15/2007 |
Q: I live in Texas and was just served with a suit by Capital One through a law firm. I am unsure what ...
A: The attorney is working for a collection agency. DO NOT DO ANYTHING until we negotiate and I see the ...
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| Judgment on Student Loan- Expires after 20 years- Can they Collect- Robert Paisola Responds | 6/13/2007 |
Q: I had a student loan in the 1970's but due to lack of working full time I could never pay off ...
A: Eugene, One of my students sent me an email on this issue after I had answered your question. It ...
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| Will my attempt to enter the U.S. be affected if sued by credit collection agency-Robert Paisola Responds | 6/12/2007 |
Q: "Hello Robert, You guys are doing a great service to those who are mentally and monitarily maxed ...
A: Hasini, In Americam, we donot have debtors prisons, otherwise half of the population would be ...
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| Payday loan nightmare- Robert Paisola Responds | 6/11/2007 |
Q: Someone please help! I now have 5 payday loans outstanding. I got in way over my head trying to ...
A: I never recommend that you use a payday loan center to get money, but since you have done so, it is ...
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| Medical bills- Paying Collection Agency- Robert Paisola Responds | 6/10/2007 |
Q: I have bills from an ER visit and a surgery following. I realized after the bills started coming in ...
A: You are doing the right thing by making payment arrangements with all of the creditors. Sometimes, ...
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| Sending a deceased to Collections- Robert Paisola Responds | 6/9/2007 |
Q: I work for a large medical management company that also does the billing for our physicians. I have ...
A: Carlos, Thanks for taking the time to write to me on the issue of sending a deceased person to a ...
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| Asset Acceptance Refuses to Produce Media- Robert Paisola Responds ! | 6/8/2007 |
Q: Can a company that purchased an account over a year ago, bill DOS: 2002 AT&T bill, seek a judgement ...
A: Latrina, Thanks for writing to me on this matter. I have dealt with ASSET ACCEPTANCE many times ...
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| Mom Died- House was in her name- Creditors Flock Like Birds- Robert Paisola Responds | 6/5/2007 |
Q: My mother just paased away. I have read that the kids are not resposible for credit card debit but ...
A: I am sorry to hear of the passing of your mother. Since she has already passed away, then the issue ...
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| Judgment on Student Loan- Expires after 20 years- Can they Collect- Robert Paisola Responds | 6/4/2007 |
Q: I had a student loan in the 1970's but due to lack of working full time I could never pay off ...
A: This is a big problem in America today, and I am asked all the time "What is one of the best ways to ...
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| Client Diagnosed with Cancer- 40K In Bills- Screw Them! Take Care of YOU! Robert Paisola Responds | 6/2/2007 |
Q: I live in the state of Florida. I was diagnosed with cancer. And accrued over $40,000.00 worth of ...
A: I want you to know that I am truly sorry that you have been diagnosed with cancer. I recently lost a ...
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| NC Statute of Limitations toll while out of state- Robert Paiosla Responds | 6/1/2007 |
Q: Robert, In mid of 2002 I had some unforeseen circumstances that resulted in my having some debt(15K ...
A: Rule 40 or not, the Statute is Running! Three years is 4 years. That is the reason he NC ...
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| Suttel and Associates Strikes Again- Robert Paisola Responds | 5/30/2007 |
Q: My husband had a credit card through Montgomery wards. When they closed went out of business, they ...
A: We are getting more and more complaints on them and this does not surprise me at all. Here is what ...
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| lien on home- Robert Paisola Resounds | 5/29/2007 |
Q: If you have a lien can you be forced to sell? Is there a certain dollar amount that you can be ...
A: In theory, a lien for one dollar could force your home into foreclosure, if the liening party had ...
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| I Got A Payday Loan- Got in a Car Crash- Closed Checking Account- Can go to Jail?- Robert Paisola Responds! | 5/27/2007 |
Q: I'm in financial struggle. I took out couple times payday loans from same lenders. All of my ...
A: Listen to me closely, YOU WERE IN AN AUTO ACCIDENT! YOU ARE NOT GOING TO GO TO JAIL BECAUSE YOU ...
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| being sued by Discover Bank- Robert Paisola Responds | 5/25/2007 |
Q: Hey Robert, my name is Wendy & I live in KY, i'm being sued by Discover Bank on a credit card debt ...
A: First of all let me tell you that the collector from Discover Card that threatened to take all of ...
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| Collection Agency Demands Payment in Full- Client Can only pay Partial Payment- Robert Paisola Responds | 5/24/2007 |
Q: I got a call from a collection agent and he said if i didn't give them 670.00 bye next month they ...
A: Tell them to go to hell! (Just kidding... I think!) No, really, just send them what you can afford. ...
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| Client Sends Bank of America Cease and Desist- BOA Places account with Collection Agency- Robert Paisola Responds | 5/22/2007 |
Q: i sent Asset a cease letter they reviced it 14 may. i check credit report may 16 all BOA had was ...
A: Ok here is what I see in this. It looks like you sent the cease and desist to the original creditor, ...
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| levy of LLC Bank Account- Robert Paisola Responds | 5/21/2007 |
Q: I received a notice to levy my bank acct. from a loan from a small business LLC. what can i do to ...
A: Good Morning Mr. Bell: Thanks for writing to me. If the levy on your account was only on the LLC, ...
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| Breach of Contract- Robert Paisola Responds | 5/19/2007 |
Q: My ex has borrowed money from me over the years. She says she doesn't have the money to repay me, ...
A: Cuco, Hello again my friend. In collecting debt, a judgment is only as good as the paper it is ...
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| Co-Signed for debt- 3000 Due- Robert Paisola Responds | 5/17/2007 |
Q: I just got a phone call tonight that i owe someone $3000 from a co sign i did years ago when i was ...
A: Anthony, In order to assist you, it will be necessary to go through all of the documents. If you ...
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| Collections - Pinnacle Financial Group-Robert Paisola Responds | 5/16/2007 |
Q: My husband was attending Kaplan University "on-line" in 2002. He signed up for classes as usual but ...
A: First, let me tell you that we have NEVER had an issue come up with Kaplan University. That is the ...
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| Car is Refinanced- Loan is Booked Wrong- Client gets Title in Mail- Robert Paisola Responds! | 5/15/2007 |
Q: I recently refinanced my truck (through the same bank). Two weeks later they send me the title, ...
A: Good morning April, Thanks for taking the time to write to me about the refinance on your truck. ...
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| Citibank collection attorney not responding- Robert Paisola Responds | 5/14/2007 |
Q: In Sept. 2006 I received a letter from a collection attorney representing Citibank stating I owed ...
A: Jennifer, Thank you for taking the time to write to me on your matter with Citibank and its ...
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| Collection Agency Screws Single Mom- Robert Paisola Gets Involved! | 5/13/2007 |
Q: This past week I decided that it is time I take care of my fiscal future. First thing I needed to do ...
A: Ms. Adamson, This is complete crap. You are a single mother who is doing all that she can to deal ...
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| Debt on Credit card and paying- Robert Paisola Gets Involved! | 5/12/2007 |
Q: I ran into some trouble with my job a few years back. I recently have a better job and have set up ...
A: First, let me say that I NEVER RECOMMEND that my clients give a collection agency access to their ...
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| Breach of Contract- Robert Paisola Responds | 5/11/2007 |
Q: My ex has borrowed money from me over the years. She says she doesn't have the money to repay me, ...
A: THAT is the document that will be the basis of the small claims action against your former partner. ...
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| breaking a lease- Robert Paisola Responds! | 5/10/2007 |
Q: we live in florida. My husband & I broke a lease for a trailer park about 8 months ago. It was a ...
A: Hey Trudy! You are being screwed. I want you to do the following. I want you to go to the trailer ...
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| Car Repair - Got my car back a Year later! and bill was larger than estimate- Robert Paisola Responds | 5/9/2007 |
Q: I have a "long story" here is a letter I've drafted but am afraid to send. I'm just not sure if it ...
A: I looked at the letter and looked into the statutes in Colorado that you reference. This is a good ...
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| Defaulting on timeshare payments- Out of Country Residence- Robert Paisola Responds! | 5/8/2007 |
Q: I am a New Zealand citizen and my wife is Canadian. We were residing in Canada a year ago when we ...
A: First of all, thanks for taking your valuable time to write to me. Next, lets look at the facts. ...
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| old car loan wrote off- Asset Acceptance- Robert Paisola Responds | 5/7/2007 |
Q: i got a letter from Asset Acceptance LLC.stating they bought my account from Bank of America. i am ...
A: Leo, If I received a letter from Asset Acceptance, I would DEMAND that they provide verification ...
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| Identity theft- Robert Paisola responds | 5/5/2007 |
Q: To make a long story short, someone opened a credit card in my name, charged $4500 worth of farm ...
A: I have thought about your issue and here is what I want you to do: 1. Call the local police ...
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| Breach of Contract- Robert Paisola Responds | 5/4/2007 |
Q: My ex has borrowed money from me over the years. She says she doesn't have the money to repay me, ...
A: Cuco, Let me be direct. If you loaned a former girlfriend a substantial sum "Over The Years" I ...
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| vehicle/garnishment- CoSigned for a Car- Robert Paisola Responds | 5/3/2007 |
Q: I helped a neighbor to get a car; actually was to be the co-signer and it ended in my name only. ...
A: Maureen, Listen to me closely. Never Ever CO SIGN for a friend again. By doing so, you put ...
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| Unifund CCR Partners- Robert Paisola Responds | 4/22/2007 |
Q: My mother received a summons in December from Unifund CCR Partners ( who retained a lawyer) giving ...
A: I have reviewed your question, and if you have read any of my previous postings, or my site, ...
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| Auto Reposession- Robert Paisola Responds | 4/21/2007 |
Q: My fiance's car was repossed March 4, 2007. I called the company to try to arrange a ...
A: Your question is one that I hear all the time. This is a situation where the finance company does ...
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| When does interest begin to accrue on retroactive child support order? | 4/20/2007 |
Q: I almost decided against asking this of you, until I read the number of varied topics you address. ...
A: My Friend, You have this issue down. The order of the court is the date and time that the interest ...
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| collection agency | 4/19/2007 |
Q: I just found out 4-17-07 that Suttell and Associates got a order of default judgement against mein ...
A: Katherine Suttell and Associates is a VERY DIFFICULT COMPANY to work with. The document that you ...
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| Grandmother served with papers- Capital One Screws 78 Year old- Robert Paisola Responds | 4/17/2007 |
Q: To whom it may concern, Hello, my name is Tyler. I live Golden, Colorado with my Grandma who's 78. ...
A: OK.. this pisses me offf. You are telling me that your grandmother who is 78 years old is being ...
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| CIVIL ACTION AGAINST ME FOR "PARTIAL PAYMENT" FOR WORK DONE BY AN INDEPENDENT CONTRACTOR | 3/29/2007 |
Q: I AM BEING SUED BY A LOCAL PAINTER WHO HAS GOTTEN AN ATTORNEY TO FILE A SUIT AGAINST ME. I PAID HIM ...
A: It is a great coincidence that I have a private client that owns a large paint company. We had one ...
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| Can they do that: Robert Paisola Responds | 3/28/2007 |
Q: I made a payment arrangement with a hospital for a medical bill. After missing a payment they sent ...
A: Bradi: Thank you for taking the time to write to me about the additional fee that the collection ...
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| State of Ohio: Auto Repo: Statute of Limitations: Robert Paisola Responds | 3/27/2007 |
Q: My husband bought a car when we lived in Ohio and had it repoed in march of 03 after we moved to ...
A: Cathy, Thanks for writing to me about the Automobile Repossession that you experienced. Since I do ...
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| Creditor REFUSES to Validate Debt: DEBT Collection from AFNI /Verizon: Robert Paisola Responds | 3/27/2007 |
Q: Please advice. I recieved a letter in the mail yesterday from AFNI saying i owed for a Verizon ...
A: Rohini, Thanks for writing. You have the right to receive ALL OF THE MEDIA (Backup) to validate ...
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| Court Suit Ex Husbands Debt,Forged Signature | 3/26/2007 |
Q: You said the debt was irrelevant because the finance company thinks both our signature were valid. ...
A: Sharon, Tell them to go ahead and sue you. Go to my site at www.MyCollector.com and pay the ...
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| Motion to Confirm and Enforce Arbitration Award | 3/26/2007 |
Q: Long story short...I'm being sued by Chase for $12,000 (Principle of $10,000) on the basis of an ...
A: Marie: Thank you for the compliment regarding our web site at www.MyCollector.com We get a lot of ...
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| Paying Chase for Years: Outside the SOL: Robert Paisola Responds | 3/25/2007 |
Q: I am confused regarding the sol and the date allowed for filing a suit. I just recently found that ...
A: Here is my advice. Quit paying. Do not pay another dime until you receive a full accounting of the ...
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| Unpaid Medical Bill | 3/23/2007 |
Q: I am in Wisconsin. I have a $900.00 medical bill that was submitted to a collections agency. I was ...
A: Lynne, This is an issue that I believe will require a come to jesus meeting with this collector. ...
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| Has a Truck Loan: Payments Refused: Robert Paisola Responds | 3/23/2007 |
Q: I bought a new truck and had the loan thought on it the bank refused my last 3 payments stating they ...
A: Your situation is unique in that the bank does not usually have an interest in getting the vehicle. ...
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| unresolved issues after death: Debt Collectors Want Money: Robert Paisola Responds | 3/20/2007 |
Q: My name is Vivian and I live in Texas. My dad passed away in November and left a will designating my ...
A: Here is how I am going to answer this question. 1. Your father is dead 2. Your sister is the ...
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| Court Suit Ex Husbands Debt/forged signature: Robert Paisola Responds | 3/19/2007 |
Q: My ex husband took out a loan with Best Finance for air purifiers in 6/05.Our divorce was final ...
A: This issue deserves special consideration because YOU are getting screwed. The finance company ...
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| UNIFUND MEDIATION; THEY LIE; ROBERT PAIOSOLA RESPONDS | 3/2/2007 |
Q: I've been in mediation with Unifund 3 times, every time i ask them a question they cannot answer ...
A: Sylvia: Here is the solution. Go to my site at www.Collectionindustrylive.com and join the VIP ...
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| Credit Report | 3/1/2007 |
Q: I recently aquired 2 of 3 credit reports and found discrepencies on both. I found on 1 that ...
A: I read your letter and this is a difficult issue as this is your minor child. I am not sure what ...
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| Collection fees for a incorrect medical bill | 3/1/2007 |
Q: Paisola, A Virginia Family Practice Doctors office submitted a bill to collections when TRICARE, my ...
A: Joe, This is a serious matter, as this 16.00 can and will affect your security clearance. Give me ...
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| Paid Debt Collector: Receives Garnishment Order AFTER payment: Robert Paisola Responds | 2/28/2007 |
Q: Out of the blue I received a letter of garnishment 9 days before it was suppose to be in effect. It ...
A: I really appreciate the ability to assist you! I am doing a seminar in Honolulu Hawaii this ...
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| Civil Suit Filed: No Answer Given by Defendant: Robert Paisola Resoponds | 2/28/2007 |
Q: unfortunately, i was too late on this too. a judgement has now been entered against me. i don't ...
A: Carla, Call me at my office at 1-877-517-9555 in the morning and we will talk about this. I want ...
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| car | 2/26/2007 |
Q: I had bought a car through JD byrider in 2004, the car is a 1995 pontiac grand am, I got in to some ...
A: Bonnie: This is what I would do. I would take (or tow the car) to the Finance Company and deliver ...
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| Hospital Bill: Pays Debt Collector: No More Bill: Robert Paisola Responds | 2/23/2007 |
Q: I WOULD LIKE TO KNOW WHY YOU GUYS DID NOT ANSWER MY QUESTION??? MY PREVIOUSAround four years ago i ...
A: I am a volunteer for four categories on Allexperts.com and I have almost 30-50 pending questions at ...
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| Debt Collection: Can they Take SSI ir Disabiliy: Robert Paisola Responds | 2/22/2007 |
Q: i want to know if c c debtors can take my ss disability. i was doing good paying my pymts.,then when ...
A: Let me tell you that in all of the years that I have been in the Debt Collection Business, I have ...
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| Collection agency suit | 2/21/2007 |
Q: Today I received a summons stating that I am being sued for $1716(this includes attorneys fees as ...
A: Good Afternoon Zelda: Dealing with Providian is a mess. 99% of the portfolio is a mess, and that is ...
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| Buying A Car: Cant Make Payments: Private Contract: Default: Robert Paisola Responds | 2/21/2007 |
Q: I have a friend who signed a contract to make payments and take care of the car, in Texas and now is ...
A: Good Afternoon Charles: Thanks for taking the time to write to me about the third party transfer of ...
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| Civil Proceesings Against Doctor: Assets Seized: Signature DEMANDED: Robert Paisola Responds | 2/20/2007 |
Q: There was a judgement against me in 2004 for 35k and recently a collection attorney filed an order ...
A: I have read your question with great interest. This is a matter that we must discuss in person. I ...
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| Debt Collections Case: Adding Attorney and Collection Fees: Robert Paisola Responds | 2/17/2007 |
Q: can an agency charge you an attorney/collection cost on top of what i owe if we not have been to ...
A: Great question! If the contract calls for the allowance of collection fees, then you can be ...
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| Another Unifund Lawsuit: Mastercard: Robert Paisola Responds | 2/16/2007 |
Q: 00 I let go when I was younger. I made arrangements to pay monthly payments and we didn't end up ...
A: First off, if you have not gone to our site on the Unifund Class Action, Go Here: ...
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| Civil Suit Filed: No Answer Given by Defendant: Robert Paisola Resoponds | 2/16/2007 |
Q: i contacted you a while ago about being sued by Capital One. I live in california. I did not ...
A: It ia great to hear from you again. I am sad that you were not able to file the answer with the ...
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| Former Military: Student Loan: Collection Agency: Robert Paisola Responds | 2/14/2007 |
Q: I am having a terrible time finding a way out of this predicament. I took out a small student loan ...
A: Brett: Thank you for serving our country. You are a good man and I admire what you are doing in ...
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| good faith payment | 2/13/2007 |
Q: I want to know about the "Good Faith Payment" with creditors and how it works. From my ...
A: This is done under the assumption that if you make any type of payment on your account, that there ...
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| paying off debt | 2/12/2007 |
Q: i am writing to you today regarding a personal debt . last june i made a payment plan with this ...
A: Looking at your question, it appears that you and the collector at the attorneys office are not ...
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| Collections question | 2/12/2007 |
Q: What is the statue of limitations on a phone bill collection. This bill is at least 12 years old.
A: The statute of limitations varies from State to State depending on where the account with the phone ...
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| SOL in Ohio for credit card | 2/8/2007 |
Q: I read your information on credit card SOL in Ohio being 4 not 6. I have been told that it is 15 as ...
A: In an issue like this where the data that is presented via our research team, I always recommend ...
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| Extra charges without disclosure | 2/6/2007 |
Q: I visited a foot doctor, it was the second time I had used my insurance. There was a $30 visit fee ...
A: Here is the problem. I am sure that you signed a medical authorization form when you went to the ...
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| Garnishment | 2/2/2007 |
Q: Ok, so this is a dumb question that I already know the answer to but curiosity killed the cat... I ...
A: First of all your question is not dumb. The only question that is dumb is the question that you do ...
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| can hospital collect on bills over 7 years old | 2/1/2007 |
Q: I have a judgement against me for unpaid medical bills. A few months ago, I was suppose to receive a ...
A: There is a huge debate right now in the Debt Collection Industry and in Congress about the ethics ...
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| GARNISHMENT | 1/31/2007 |
Q: I cosigned with my mother about 6 or 7 years ago on a car loan. Now the creditor is garnishing my ...
A: Good Afternoon John, Thank you for writing to me about your issue regarding the co-signing that you ...
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| credit card | 1/31/2007 |
Q: I received a summons from a State Trooper (NY) today stating I need to come to court regarding a 7 ...
A: Good Afternoon Heidi, Thank you for taking the time to write to me about the issue that you are ...
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| student debt collection issue | 1/15/2007 |
Q: I attended a college several years ago and I have an outstanding balance of $3339.00 in tuition ...
A: Alex... You are being played. Go to my site at www.MyCollector.com and join the VIP Program. It ...
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| Sunday | 1/15/2007 |
Q: can bill collectors call on sunday, whsat do i do if they want a post dated check for payment and ...
A: Doug, Yes, they can call under the FDCPA on Sunday, however most agencies do NOT CALL ON SUNDAY, as ...
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| reposession | 1/14/2007 |
Q: I financed a blazer for 6 years for $24,000 two years ago. I did a voluntary reposession on the ...
A: Anita, First of all, thanks for writing to me about the 24K blazer. That is a lot of cash for that ...
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| Illinois law re, SOL-credit card past 7 yrs | 1/13/2007 |
Q: Please tell me where or how I can find proof of SOL for repayment enforcement on credit card debt. I ...
A: I did some research for you and it looks like this is the breakdown: Personal Injury: 2 years. ...
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| Judgement liens | 1/12/2007 |
Q: My mother has about $100,000 in credit card debt. She was diagnosed with cancer last year and was ...
A: Noelle, Thanks for writing to me on your moms issue. First of all, let me say that the fact that ...
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| Collection Calls | 1/12/2007 |
Q: My sister has been off work since October due to an illness resulting in an amputation. She does not ...
A: Good Evening Dana, Thanks for taking the time to write to me about your sister and her issues that ...
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| Collections and Judgements | 12/27/2006 |
Q: I have a collection agency provide me with a summons to appear in court. I called the agency ...
A: Sheila, Thanks for spending the time to write me about your bill with DTE. This is an issue that I ...
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| consent judgement stipulation | 12/26/2006 |
Q: I agreed to a settlement amount with a debt collection agency, thus averting a court hearing, and ...
A: Karl, Do not sigh that document. I am not sending you legal advise, but if you are going to PAY, ...
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| Being sued by Unifund CCR Partners | 12/21/2006 |
Q: I got an early Christmas present this year: a summons from Unifund CCR Partners. I read some of ...
A: Eric, I respect that you are the custodial parent of four children. That really shows your ...
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| Judgments & Collections | 12/20/2006 |
Q: I have 6 credit cards with Collection Agencies and 2 Judgments in MN. I stopped paying them back ...
A: My initial feeling is that due to the fact that there is so much money in play and due to the fact ...
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| SOL in PA on Credit Cards Law | 12/19/2006 |
Q: Mr Paisola Other then paying an attorney would you know where I could go to get a copy ...
A: I hope that you are having a great holiday season! I took some time and looked up some information ...
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| Post Judgment Interest on School Loan | 12/18/2006 |
Q: I would really appreciate it if you would answer just a few questions. I had a school loan from ...
A: Happy Holidays and thanks for taking the time to write to me about your school loan from 1981. What ...
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| Collections | 12/16/2006 |
Q: I have an account in collections with Asset Acceptance, LLC and have had a hard time paying them ...
A: Tom, I have a conflict with Asset Acceptance Corp. If you want to join the VIP Program, It will ...
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| Car repo legal action questions | 12/16/2006 |
Q: I had bought a car with my boyfriend. We had seperated and we had written an informal agreement that ...
A: Merry Christmas Charlene, Thanks for taking the time to write to me about your car repo and the ...
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| ohio SOL | 12/15/2006 |
Q: The SOL in Ohio for credit card (open-end) debt is 4 years, not 6. The SOL is governed by 1302.98 -- ...
A: Our readers will surely appreciate all of research that you have done to resolve this issue for our ...
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| Sued for a debt | 12/14/2006 |
Q: I am being sued for a credit card debt for Capital One for roughly 4300.00. I joined with a debt ...
A: Mike, Merry Christmas and I am glad that you have taken the time to write to me on this very ...
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| Credit Card | 12/14/2006 |
Q: I have an old credit card that i never paid from 2001. I had a creditor call me yesterday and said ...
A: Good Morning Leah! Thank you for writing to me about your issue from 2001 and the court date that ...
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| satisfied judgement lien | 12/13/2006 |
Q: Mr.Paisola, I satisfied a lien against my WA. home in April of this year but the collection agency ...
A: Dan, If you paid the claim to the agency, then the proof that you will need to provide to the title ...
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| Had a question about banks and fraud... | 12/12/2006 |
Q: I heard about a person who had a great deal of money taken out of her personal bank account by ...
A: First of all, it is important that you realize that there are billions of financial transactions ...
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| collection agencies | 12/11/2006 |
Q: I have had three cards that have been charged off about 6 years ago. Recently, I checked my credit ...
A: You have been wronged and wronged in a serious way. Here is what happened. The accounts have a ...
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| American General Finance Judgment | 12/10/2006 |
Q: My husband & I have had this judgment for quiet some time. When my husband was in the Army we had ...
A: Deborah, Thank you for taking the time out of your day to write to me about the issue with ...
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| Judgement after Settling | 12/10/2006 |
Q: I recently settled my charged-off accounts through the collection agencies. I actually called the ...
A: The way that I look at this is that you acted in GOOD FAITH as you settled these obligations. It is ...
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| LIABILITY AND CLAIMS COLLECTION UNDER DUI | 12/9/2006 |
Q: About 2-3 years ago I was in a DUI accident! I hit my rental car into the rear wheel of a parked ...
A: I appreciate the opportunity that you have provided me to answer your question. Ok. I understand ...
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| Consumer Protection Laws | 12/9/2006 |
Q: To be brief, I have a friend that submitted her insurance to a hospital but the facility submitted ...
A: Good Evening Tenille, Thank you for writing to me about your insurance issue. If the issue is as ...
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| Car repossession- Good News- No Debtors Prison by Paisola | 12/5/2006 |
Q: I have over exstended myself,and cannot afford my car payment. I am considering to turn the car in ...
A: Randall, Thank God that we do not have debtors prisons anymore! I am glad to assist you and want ...
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| Attempted collection of unrecognized debt | 12/4/2006 |
Q: My husband received a letter dated 11/28/06 from Boudreau & Associates, LLC of Salem, NH regarding a ...
A: Boudreau & Associates, LLC of Salem, NH is one of the companies that we have investigated at ...
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| Amex Judgement | 12/4/2006 |
Q: I have a judgement from Amex (original debt $11K + fees now is $22K). The judgement was filed in ...
A: Able, I deal with American Express everyday for my VIP Clients. There is a strict protocol at AMEX ...
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| Car Repo and judgement against | 11/30/2006 |
Q: A little over ten years ago I defaulted on a car loan to Ford Motor Credit. Unfortunately the Ohio ...
A: There is a section on our site where we go against GMAC, for the same thing. I want you to listen ...
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| arbitration notice | 11/29/2006 |
Q: Arbitration notice from NCO Financial in Maryland. I live in SC.MBNA card of $5500, now amount up to ...
A: Deborah, Here is the bottom line. NCO is having a lot of legal issues around the country at this ...
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| Collection agency final payment | 11/29/2006 |
Q: I am in need of some advice concerning a collection agency in Portland, Oregon. I have been paying ...
A: Your idea is exactly correct in that by sending back the money order, they are avoiding the ...
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| FDCPA violation dollar amount | 11/28/2006 |
Q: Robert, I enjoy reading your answers here. One point of confusion: I keep reading from you that ...
A: The FDCPA violation "recipie" calls for 1,000 per violation. That is the OFFICIAL sanction. ...
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| death and credit cards | 11/28/2006 |
Q: my mom passed away in July and now the credit cards that she was not able to pay on for a long while ...
A: Good News... Tell all the creditors to go to hell. There is no estate and your mom is dead. There ...
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| Judgement granted against me without my knowledge | 11/27/2006 |
Q: I just recently checked my credit report and found a judgement granted against me from Ohio....I ...
A: Here is the deal. You are dealing with Asset Acceptance Corporation, and I can help you, because I ...
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| What are my options, repossed car | 11/25/2006 |
Q: I had purchased a $23,000.00 2001 GMC Yukon with my ex-fiancee in April of 2003. I was making ...
A: Good Evening Mike, Thank you for taking the time to write to me regarding your issue with the 2001 ...
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| medical bills | 11/25/2006 |
Q: I am receiving collection letters for medical bills incurred by my ex-wife. We've been divorced for ...
A: Good Evening Gary, This is a quick answer! Get a copy of the letters demanding payment. Contact the ...
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| Debt Collection | 11/15/2006 |
Q: I was sued for debt in Misssouri in 1997 and my wages were garnished. I moved to Maryland in 1999 ...
A: Let me first tell you that I am not the moral police. There are many people on these boards that ...
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| Timeshare | 11/14/2006 |
Q: We did something really stupid over 2 years ago and purchased a timeshare at St Thomas with ...
A: OK here is what I see, you entered into a contract to purchase the unit with Fairfield. I have ...
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| UNIFUND CCR Partners & summons | 11/14/2006 |
Q: I was served a summons and have to appear in court this Thursday (11-16-06) for an old credit card ...
A: Patti, We are in the middle of a large Class Action Lawsuit against Unifund for this very reason. ...
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| judgements | 11/12/2006 |
Q: My husband and I have a judegment against us and I have been paying on it for about two years. We ...
A: Carolyn.. First of all, DO NOT FILL OUT THOSE PAPERS. THAT IS JUST A METHOD OF SCARING YOU AND ...
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| Statute of Limitations/ charge off collections | 11/12/2006 |
Q: I live in Washington State. I am trying to determine the point in time when the Statute of ...
A: Good Evening Dan from South Africa! First and foremost, I want to thank you for writing to me! ...
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| Lawsuit in illinois | 11/11/2006 |
Q: this is what happen, the wife and i defualted on some credit cards, because we just can't pay on ...
A: Walter, Please excuse the delay in getting back to you so late, however I am writing you from South ...
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| Judgement | 11/10/2006 |
Q: Robert, I hope you can help me. I had a discover card back in 1995 in which i defaulted on. It was ...
A: The net down here is a real mess, so I am writing to you via an extensive network of satelite ...
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| I have credit card debt in my mothers name | 11/9/2006 |
Q: Mr Paisola, Thank you for taking the time to read my question. To start with Im in NC. This began ...
A: The internet down here is difficult, so I am being patched through our NYC office to assist you! ...
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| Capitol One, Suttell & Associates and NCO Financial | 11/9/2006 |
Q: I have a question regarding a debt I have settled. I had a Capital One card that went from $300 to ...
A: First of all you are dealing with NCO (watch the video from CBS News on my site at Mycollector.com) ...
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| served summons | 11/8/2006 |
Q: a summons was served regarding my unpaid capital one credit card account. they served my mother, ...
A: I am going to get right to the point. If you live at your mothers address then you were served. If ...
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| added fees and interest | 11/8/2006 |
Q: ..i have a few credit card debts that are in collection...i settled a 6000.00 debt for 2500.00 with ...
A: Capital One is a very difficult company to deal with and the fact that you were able to settle with ...
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| Legal Charge Off? | 11/7/2006 |
Q: I bought a new car in July 2005, Shortly after I was in an accident and the car was a complete loss. ...
A: Here is the deal. You need to go to my site at www.mycollector.com and sign up for the VIP Program. ...
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| Medical Bill Paid | 11/6/2006 |
Q: On August 11, 2006, I took care of a medical bill that was $5,000. The hospital offered me a 30% ...
A: Jennifer, Here is the deal. There is a big mess at the hospital's level and in a lot of ways, this ...
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| Summons for 20 days | 11/4/2006 |
Q: Got a summons from a plaintiff which is the collection agency and asking me to pay $3,000 of ...
A: I want to thank you for writint to me about your issue. I am currently in South Africa and the ...
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| Paying collections | 11/3/2006 |
Q: I have a vendor debt of $35K. I have been told by the collector, If I do not pay, I will have 1 foot ...
A: Davis, Call me now. This is SERIOUS. Robert Paisola 801-619-4700 Robert Paisola Chief Executive ...
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| Garnishment | 10/31/2006 |
Q: I co-signed a loan in 2001 from American General Finance with my ex. When we split, I didn't ...
A: Unfortunately when you co-sign (WHICH I NEVER PERMIT MY CLIENTS TO DO) you are held liable for the ...
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| Medical debt | 10/30/2006 |
Q: I live in Iowa. I received a medical bill 09/01 saying I owed $12.40 and estimated insurance payment ...
A: Here is what is going to have to happen to clear this up. I need to call the hospital and push them ...
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| Collection from estate of Credit card debt | 10/29/2006 |
Q: Mr Paisola, Thank you for taking the time to help with my question. friends of our family are in ...
A: Mike, Thanks for taking the time to write to me. Look, I am not paid to be a moral save the wales ...
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| Bankruptcy Dismissal | 10/28/2006 |
Q: I am in a tricky situation. I filed for chapter 13 in October 1998. I paid $67 a week. The term ...
A: You are right, most lawyers will not answer this question because they are REQUIRED to mimic what ...
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| Credit Solutions not the Solution | 10/27/2006 |
Q: A few months ago I referred 3 past due (as a result of paying other priorities/death in the family) ...
A: Frankie, There are two issues here. First of all you got screwed by this company and we need to ...
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| "intent to sue" letter | 10/27/2006 |
Q: Wolpoff & Abramson has sent me a letter that says that they have made the decision to initiate ...
A: First of all, thanks for writing to me. I appreciate your patience, as I am writing you from a ...
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| Boudreau & Associates | 10/26/2006 |
Q: I was doing a cut & paste and lost some of my email, so I am resending it. I had filed a BK13 about ...
A: John, I just sent you a formal reply, please post positive feedback. We will beat these bastards. ...
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| judgement | 10/24/2006 |
Q: My wife is being persued for a judgement on a credit card account, the account was established ...
A: You do not have to pay your wifes credit card debt that was incurred prior to the marriage. She is ...
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| Medical Bill Payment | 10/24/2006 |
Q: I have a court day this week for a hospital bill for $2600.00, which I agreed to pay. they wanted ...
A: In my opinion, the fact that you have been making consistent payments will prove to the Court that ...
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| 2 liens | 10/23/2006 |
Q: I have several judgements against me. I have a lien against my house but I have worked out an ...
A: The first question is that DID WOLPOFF AND ABRAMSAN SUE YOU? If you have not been to court, or ...
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| collection agency | 10/22/2006 |
Q: I have setup monthly payments with a lawyer collection agency for a charged off credit card. I ...
A: I am in London England and just got to the hotel! Here is the bottom line... NEVER EVER GIVE YOUR ...
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| Paying debt collector | 10/20/2006 |
Q: Mr. Paisola, Back in July 06, I voluntarily turned in my 02 Escape to Capital One Auto Finance, they ...
A: Linda, the collection agency is trying to collect what is called a deficiency balance from you on ...
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| Debt collector: Creditors interchange | 10/19/2006 |
Q: Paisola, Today in the mail I received a letter from the 'Creditors Interchange'. They said I ...
A: Here is what I want you to do. If you had a conversation like this with a representative from ...
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| Inappropriate credit report access | 10/19/2006 |
Q: Robert - I am in a situation that I could use a little guidance in. My ex-spouse has remarried to ...
A: Let me first tell you that this is a VERY SERIOUS issue. Access to Personal Credit Data is highly ...
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| Credit card debt reinstatement | 10/18/2006 |
Q: I contacted a collection agency after they sent me a letter about a $391.00 debt. I could not recall ...
A: They can NOT do that. If they do, I would love to see them try. If you have an extra 200.00 and ...
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| Judgement - husband's debt | 10/18/2006 |
Q: Paisola, I received a call yesterday evening from a collections agency regarding a previous debt my ...
A: It appears to me as though they violated the third party disclosure provision by even talking to ...
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| Redating claims by collection agency | 10/17/2006 |
Q: In 1998 I was subjected to "slamming and cramming" bills on my phone bill. The local phone company ...
A: David, Thanks for writing. The bottom line is that you are being screwed and what the collection ...
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| collection calls | 10/17/2006 |
Q: I have a pretty common name and I constantly recieve collection calls looking for someone with the ...
A: Good Evening Bob from London, I am glad that you have taken the time to write to me about your ...
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| Ex-Apartment Complex Sending Me Crazy Bills | 10/12/2006 |
Q: First, I want to thank you and all of the other experts on this site for all you your help. I live ...
A: Good News, I am from Ohio and attended Ohio State University for a short period. I lived on Lane ...
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| estate debt | 10/11/2006 |
Q: My mother in law (MMR) passed away 1/05. She had been using husbands (JVR) credit cards since his ...
A: Good Evening Vicky, Here is the good news. The money is in trust for the creditor and most ...
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| Sent to collections after disputed invoice | 10/10/2006 |
Q: Pasiola. I've documented everything thus far, and I have every confidence that I could win a civil ...
A: Great to talk with you again. I do not see where there is a legal (not giving legal advice!) ...
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| Leasecomm Collection | 10/10/2006 |
Q: I live in Florida & have an old account with Leasecomm (Microfinancial) from approx. 1998-2000 for ...
A: Let me tell you about this company called LeaseComm. They ended up having to cancel over 24 Million ...
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| Judgement Terminology | 10/9/2006 |
Q: I learned the hard way to get everything in writing concerning landlords. When they refused it ...
A: It sounds like you had a default judgement entered against you and the plaintiff asked for the ...
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| Sent to collections after disputed invoice | 10/9/2006 |
Q: I have been contacted by a collection agency over a disputed invoice from one of my (former) repair ...
A: Mike, Commercial Firms have robotic policies, that simply move paper through a process of how to ...
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| Sent to collections after disputed invoice | 10/8/2006 |
Q: I have been contacted by a collection agency over a disputed invoice from one of my (former) repair ...
A: It sounds to me like this is a commercial claim. This goes hand in hand with our business ...
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| Providian Lawsute | 10/6/2006 |
Q: Robert, I read your article regarding the unfair practices of Providian Bank. Providian is ...
A: Let me tell you that I have been involved in numerous disputes with Providian for clients, and if it ...
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| merchant/consumer lawsuits, etc. | 10/6/2006 |
Q: Can a merchant file a lawsuit against a consumer, or refer to a collections agency, for retail of ...
A: Good evening Mr. Berger: Thanks for writing to me about the chargeback policies and procedured that ...
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| Credit affected by Collection Agency | 10/4/2006 |
Q: Question - I have a situation where my ex girlfriend ran up my Cingular Wireless account to ...
A: Charles, I have been thinking about this question for 2 days, and I think that we need to make a ...
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| Co-signing liability | 10/4/2006 |
Q: I co-signed a rental agreement for my Mom in Feb 2003. The 12-mo. lease was not renewed. The lease ...
A: Would you please take a second to leave positive feedback on the allexperts.com site for me! Thanks! ...
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| Credit Card Collections Civil Action | 10/2/2006 |
Q: My wife and I have a rental house we are selling. The closing Attorney found two liens against the ...
A: Would you please take a second to leave positive feedback on the allexperts.com site for me! Thanks! ...
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| Collection Reporting for NSF Collections | 9/30/2006 |
Q: My wife wrote a bad check on an account she opened before we were married. I was later added to that ...
A: Would you please take a second to leave positive feedback on the allexperts.com site for me! Thanks! ...
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| Statute of Limitation on Credit Card Debt | 9/30/2006 |
Q: Paisola's Perhaps you can answer a very simple one regarding the statue of limitations on credit ...
A: Good Morning Steve: This again is one of the stupid things that is happening all over the country ...
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| question about length of time on credit report | 9/29/2006 |
Q: I had an account with Sears and my last payment was July 9 1999. I believe it was turned into ...
A: First of all, SEARS is one of the worst credit providers when it comes to reporting correct credit ...
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| want to sell home but have lien | 9/28/2006 |
Q: We were recently informed that a judgement lien was placed against our home for an old credit card ...
A: Kim, That is a perfect solution. I would make sure that you pull a full and complete title report ...
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| Can a significant other be held responsible for a debit owed | 9/27/2006 |
Q: 3 separate colections have been added to my husbands Credit Report. Non of which were his. I have ...
A: Christina, Thank you for writing me about your issue. The bottom line is that you were not ...
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| Double Collection Entry | 9/27/2006 |
Q: My wife wrote a check that bounced and was turned over to collections. Unknown to us at the time, ...
A: The bottom line is that an account can only be reported on your credit report ONCE and that can only ...
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| false collection. Advice | 9/26/2006 |
Q: I had a self storage unit for couple of months. 7 months after i moved out i got a letter from ...
A: I am glad to hear from you again! Did you ever post positive feedback? Ok- lets take a look at ...
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| Charge off | 9/25/2006 |
Q: Sorry I guess I didnt make myself more clear. I would be refinancing the car loan and putting it in ...
A: .. The big change to my answer is based upon the fact that you are refinancing the auto NOW, ...
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| threat of lawsuit by debt collector | 9/25/2006 |
Q: I saw your response to someone online and have a question for you. I live in Texas. I was recently ...
A: Michelle, Thanks for writing to me. The good news is that you live in Texas. Today is Wednesday. ...
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| Charge off | 9/24/2006 |
Q: I had a credit card account that was charged off just a few years ago and now a collection agency ...
A: Good Morning Michelle, Thank you for taking the time to write to me regarding your problem with ...
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| Sutell and Associates | 9/24/2006 |
Q: Robert this is the letter I have typed up and sent to Suttell and Associates. Now I am getting ...
A: Good morning James, Thanks for taking the time to write to me about your case. The first thing we ...
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| Debt collection statute of limitations | 9/22/2006 |
Q: I have a debt that I went delinquent on around January of 2006 and I have a consumer attorney ...
A: Jeff, Would you please provide feedback on the allexperts site! Thanks Rob Jeff, Thanks for ...
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| statute of limitations on debt collection | 9/22/2006 |
Q: I received a call from a collection agency recently attempting to collect a debt from the ...
A: Today I am writing you from the Country of Mexico, where we are doing a large event. I just got ...
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| Dentist missed appointment fee with procedure endangerment | 9/21/2006 |
Q: I live in Clarksville, TN. Back in December of last year, I was trying to lump my dental procedures ...
A: Will, Would you please provide feedback on the allexperts site! Thanks : ) Rob ...
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| my boss gave me a check to cash | 9/21/2006 |
Q: One day after work , my boss was running late and it was payday.My boss therefore asked me to cash a ...
A: Eve, Would you please provide feedback on the allexperts site! Thanks : ) Rob ...
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| collections and statue of limitations | 9/20/2006 |
Q: I am trying to buy a house and ran my credit report. Found a collection on it for an old T-mobile ...
A: Today I am writing you from the Country of Mexico, where we are doing a large event. I just got ...
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| Vehicle propoerty tax collection...after 5 years. | 9/19/2006 |
Q: I moved out of Connecticut over 5 years ago. When I moved, I had not received the bill for my ...
A: Today I am writing you from the Country of Mexico, where we are doing a large event. I just got ...
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| Medical bill sent to collections when I was fully coverd | 9/19/2006 |
Q: What I am I doing wrong? I'am pasting a copy of a letter that I sent to all the credit reporting ...
A: Jody, Would you please provide feedback on the allexperts site! Thanks : ) Rob ...
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| Huge debt, | 9/18/2006 |
Q: My ex agreed to pay all the joint cc balances off. He didn't and moved overseas. Now I'm stuck with ...
A: Marylee, Thanks for writing to me about your issue. It looks like you really got screwed by this ...
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| collecting on a debt | 9/18/2006 |
Q: I loaned a friend 25,000, and a promissory note was written. It stated I would be paid 75,000 in ...
A: The issue of usury laws is individual with your state and you will need to check with a local ...
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| Debt owing in Uk | 9/17/2006 |
Q: I live in Canada but have a debt owing in the UK (1200 pounds). What kind of action can a collection ...
A: This is a really strait forward question. For the small amount of money that you owe, there is a ...
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| attorney's collection letter | 9/17/2006 |
Q: I had a credit account with Chase bank that went delinquent in October 2004. It was sold to ...
A: Good Morning Ashley, from Southern Mexico! Thank you for writing to me on this phantom legal case ...
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| Garnishment of wages | 9/16/2006 |
Q: A Kansas creditor was paid garnished wages from my Texas payroll. The creditor realized that I was ...
A: Do this and you will be ok. Send a certified letter to the collection agency demanding that they ...
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| Lien | 9/16/2006 |
Q: my grandmother who is in her 90's just received a summons from a collection agency stating that she ...
A: Good Morning Kristi from Southern Mexico! First of all I want to thank you for taking the time to ...
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| A debt that has never shown up on my credit report | 9/15/2006 |
Q: If I were to pay a debt that has never shown up on my credit report, would it affect my credit in ...
A: Ok- Lets think about this. You created an overdraft with the bank over 2 years ago. If you have ...
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| credit default penalties | 9/15/2006 |
Q: After filing bankruptcy 5 years ago,my friend has once again charged up cards to where she can't pay ...
A: Hey Jeff, This is one of the biggest problems that we see as collectors. People essentially get a ...
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| Liens against property | 9/14/2006 |
Q: We took my wife's name off our house mortgage several years ago because of credit card debt she ...
A: Mike, Would you please provide feedback on the allexperts site! Thanks : ) Rob ...
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| collection agency files a lawsuit | 9/14/2006 |
Q: i live in the state of tex. a collection agency sent me a letter by a courier service from the ...
A: This is a very difficult situation for me to review without the full documents. You have 2 things ...
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| being sued by law firm for unifund/ccr | 9/13/2006 |
Q: after being served a summoms that i was being sued by a law firm in tuscon arizona for unifund for a ...
A: Here is the deal. You have been sued by a very bad company that has routinely failed to obey the ...
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| old debt | 9/13/2006 |
Q: I have old debt that is on my credit report. Most of it is listed as charge offs and no contact with ...
A: Good Evening Todd: Thanks for writing to me on your matter. In a situation like this you basically ...
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| Collection of Medical bills upon the death of parent | 9/12/2006 |
Q: My mother passed away in May of this year and I am the only surviving child. She was very sick and ...
A: Good Evening Mike: Thank you very much for taking the time to write to me about the estate of your ...
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| Nationwide Credit Inc. | 9/12/2006 |
Q: Robert, I recieved a call today from Nationwide Credit inc. They said that they are working directly ...
A: First of all, remember, Nationwide is in the business of collecting accounts. I know that they do ...
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| Collection of debt statute of limitations has expired | 9/11/2006 |
Q: "I am in desperate need of some help. On or about July 14, 2006 I came across a "order for ...
A: You are a very smart student! I am glad that you realize the importance of not making a "good ...
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| Recv'd Summons...Can I Pay to Avoid Judgement | 9/9/2006 |
| Q: I am in AZ. I received a summons today for a 10+ year old credit card debt. Unfort |
