| Subject | Date Asked |
|
| Judge dismissed debt collectors' case against husband | 8/5/2008 |
Q: Last September, my husband was taken to small claims court by a debt collection agency (Asset ...
A: Edie, Sounds like your husband did a great job of fighting back against the debt buyer Asset ...
|
| Credit collector | 6/25/2008 |
Q: I am from Georgia. After a divorce in 1999 I was forced to return a mobile home financed by Green ...
A: Joe, Is your mother on the account as a co-borrower or co-signer? What are the callers discussing ...
|
| Default Judgment | 6/13/2008 |
Q: I was issued a summons on the 4th of October, 2007. I made the mistake of not answering and waited ...
A: Robert, I don't know what the time limit will be in your state and in front of this particular ...
|
| 10 Year Old Collection Debt | 6/12/2008 |
Q: I have received two letters from the collection agency stating, they begin an immediate ...
A: Vivian, You need to have a consumer lawyer look over this in your state. It may be the statute of ...
|
| Received a Writ of Garnishment from collection company | 5/15/2008 |
Q: Greetings, I have received a certified letter from a debt collection company stating a Writ of ...
A: David, Why don't you contact a consumer lawyer - here is one in your state - ...
|
| papers served to Mom | 5/13/2008 |
Q: Yesterday, my widowed Mom was served papers from sherif for a delinquent credit card dept($12.000 is ...
A: Vera, First thing is to make sure she answers the complaint. Never let a default judgment happen. ...
|
| Collectors threaten employment and jail time | 5/12/2008 |
Q: Ok, my husband and I got into a little trouble when our first child was born with a few credit ...
A: Trisha, This is illegal conduct. ...
|
| credit collection | 5/10/2008 |
Q: I have a credit collections company threatening to sue me however, the debt no longer appears on my ...
A: Marlana, A debt does not have to be on a credit report in order for the company that owns it to sue ...
|
| hi | 5/6/2008 |
Q: a friend of mine has bad credit she has below avg intelligence and related to me that a man ahd ...
A: This looks very illegal to me - I would not have any part of this. The proper way to improve your ...
|
| FORECLOSURE FINANCIAL NIGHTMARE | 5/1/2008 |
Q: John, My wife and I reside in Ohio. We have 3 properties in Ohio, 2 properties in Florida and 1 ...
A: Kevin, I'm on vacation - sorry for delay in responding. I think you need to consult with a ...
|
| hospital bills not mine! | 4/26/2008 |
Q: recently checked my credit report to find medical bills from my estranged husband on it. I called ...
A: Valerie, Depending on where you live, you probably are not responsible for your husband's bills ...
|
| debt collectors telling others of my debt | 4/25/2008 |
Q: I have a $300 debt to a victorias secret card, the amount is now $500 something due to fees, I ...
A: Janalee, If it is the original creditor calling then you might have state law claims against them. ...
|
| unkown collection agency | 4/22/2008 |
Q: After viewing my credit report, I found an unpaid medical bill but I don't who it's from and how to ...
A: Leslie, You can dispute with Experian (and check your other two reports - Equifax and Trans Union). ...
|
| garnishment SSD SSI | 4/20/2008 |
Q: I am on SSD and SSI and I got sued and could not make the court date due to being in a bad car ...
A: Kelly, If the collection lawyer lied to you about "not taking the case to court" then you may have ...
|
| suing for a collection | 4/19/2008 |
Q: My mother-in-law is being sued for a debt. from 2002 here in NE. There isn't a SOL in this state for ...
A: Leo, Make sure you do NOT allow a default judgment to be taken. We talk about this on our website ...
|
| NCO Financial fraud? | 4/18/2008 |
Q: My fiance is in the military and he is deployed at this time.He got a letter in the mail from NCO ...
A: Crystal, We have had to sue NCO before so this does not shock me. What state do you live in? ...
|
| Harrassing and Threatening | 4/13/2008 |
Q: I recently received a call for my wife. The person provided his name, but did not provide his ...
A: Michael, Your instincts are right. This is not proper to do. To threaten a lawsuit when the ...
|
| Bill from over 10 yrs ago | 8/26/2007 |
Q: I received a bill from verizon new york today in 08/2007. I lived in new york 10 yrs ago. I moved ...
A: DeVon, It is probably too late for them to put on credit report. This is called "re-aging" and is ...
|
| medical bills & collection agencies | 8/13/2007 |
Q: Will unpaid / slow paying medical bills be reflected on a credit report?
A: Kim, If the medical provider sends it out to collection it can show up. (Actually a medical ...
|
| Credit Card Spousal Debt Issued to The Estate Of | 8/12/2007 |
Q: My grandmother is asking me to help her with a credit debt that was in my recently deceased ...
A: Lori, Thanks. Normally (but I can't speak for NY) collectors, etc. will submit claims against the ...
|
| Debt Collectors Contacting Spouse | 8/11/2007 |
Q: I recently got married and have decided to take my husband's last name. I have to go through ...
A: Caroline, Typically collectors can contact spouses. I don't know whether spouses in California are ...
|
| Summons for debt which is not mine. | 8/9/2007 |
Q: I received a summons from Mel S. Harris and Associates for a debt which is not mine. The collection ...
A: Henry, Has a default judgment been entered against you? I would go hire a lawyer where you live to ...
|
| Credit Card Spousal Debt Issued to The Estate Of | 8/6/2007 |
Q: My grandmother is asking me to help her with a credit debt that was in my recently deceased ...
A: Lori, My thought is if your grandmother has her name on the account then she is liable. Now, if ...
|
| SOL ON CAR REPO | 8/2/2007 |
Q: I LIVE IN FLORIDA...MY CAR WAS REPOSSESED ALMOST NINE YEARS AGO ( I HAD 8 MORE PAYMENTS TO GO..STILL ...
A: Eric, Contact me directly and I'll put you in touch with a Florida lawyer that might can help you. ...
|
| statute of limitations on credit card debt | 7/29/2007 |
Q: I live in Michigan anf I have credit company wanting me to pay an old Sears credit card bill from ...
A: Toni, I'm not sure about the SOL in Michigan. If you'll contact me privately I'll direct you to a ...
|
| Repossession | 7/26/2007 |
Q: My ex husband and I purchased a car in 1997. We split up in 1999. He took the car from me and it ...
A: Shonda, when was the car repossessed? What state do you live in? A divorce typically does not ...
|
| Collections/Court | 7/25/2007 |
Q: going to court tomorrow against Midland Funding over a FCNB card from 2001. (FCNB is bankrupt and in ...
A: Adam, I can't speak for your state but in Alabama we have had some success getting judges to ...
|
| Credit Card Debt over 4 years old | 7/24/2007 |
Q: I live in Arizona which has a 3 year SOL on open account debt. I have some unpaid credit card debt ...
A: Bob, The rules vary from state to state but you should be notified if you have been sued, ...
|
| cosigned a car loan that is now a repo | 7/23/2007 |
Q: the company said she need a cosigner for just one year and then my name could be taken off. So I ...
A: Jennifer, I can't tell you your rights without having the contract in front of me and knowing the ...
|
| Is this legal? | 7/16/2007 |
Q: I recieved a call from a man who says he is an investigator with some collection agency. He left on ...
A: Collectors are not allowed to threaten you with jail time. Did you get the name of the collection ...
|
| Judgment rendered after debt paid in full | 7/15/2007 |
Q: I recently paid a collector after receiving a summons. I paid the bill on the 3rd, today (the 14th) ...
A: Tim, Who sued you? The collector or the owner of the debt? Call the attorney for the company that ...
|
| power of attorney | 7/14/2007 |
Q: I am currently my grandmothers POA only for financially handling her bills & checking account. She ...
A: Linda, I can only tell you for Alabama but here a POA does not subject you to liability in this ...
|
| 20 year old medical bills | 7/13/2007 |
Q: My uncle had a motorcycle wreck 20 years ago and the dr. who got him on medicade now has some lawyer ...
A: Loei, To garnish, the doctor would normally need a judgment. Have your uncle call the local court ...
|
| Collection Agency | 7/12/2007 |
Q: I found out late last year that my credit report showed I had a doctor's bill in collections. I have ...
A: Bonnie, Couple of things - is it showing up as "disputed" on your credit report? It should if you ...
|
| validation after 30 day period | 7/7/2007 |
Q: i just had a collection agency refuse to validate because they purchased my wifes account in 2005. ...
A: Hugh, Did the collection agency tell you they were refusing to validate? Tell you in writing or ...
|
| attempt to collect a debt that is not mine | 7/4/2007 |
Q: I live in NY state and I received a letter from a collection agency about a debt in my name from ...
A: Jim, We tell Alabama consumers to dispute collection letters unless they believe they owe the ...
|
| Collection Law and Senior Citizens on Social Security | 7/3/2007 |
Q: In 1998 my Mom co-signed a loan for a mobile home in Florida with my brother with ...
A: Jeff, I can't tell you whether to stop payment or not. I can give you some general thoughts. ...
|
| collection agency | 6/30/2007 |
Q: I just got a bill from Afni Collections for an 11 year old "debt" from Verizon. The address is not ...
A: Georgene, This is a big problem with AFNI in my opinion. We also see problems with AFNI not ...
|
| harassment | 6/28/2007 |
Q: My 23 yr. old daughter who has not lived with me for the past 2 years owes money to a credit card ...
A: Mary, I would consider sending the company a certified letter telling them your daughter does not ...
|
| Unfair withdrawl | 6/28/2007 |
Q: My wife has an outstanding medical bill. She aggreed to pay $75 monthly. Today the collector emptied ...
A: Michael, The short answer is "No" - a debt collector cannot take money that is not authorized. Has ...
|
| Post Piad in Full Judgement problem | 6/27/2007 |
Q: I was carried to court(Tennessee) in June of 2004 by a company for around $7300. I submitted ...
A: Vernon, Is the judgment completely paid off? Does the court record indicate this? Satisfied? If ...
|
| Weird phone bill collection situation | 6/25/2007 |
Q: I recently discovered a collection item filed in 2007 on 2 of my credit bureaus. I disputed it ...
A: Thomas, Have you asked Bellsouth/ATT to send you copies of the documents when you opened this ...
|
| Mutual Dismissal With Prejudice | 6/24/2007 |
Q: I was granted a Mutual Dismissal With Prejudice back in 2005. All the major credit reporting ...
A: Diana, Why was it dismissed with prejudice and why was it mutual? Had you filed a counterclaim? I ...
|
| phone bill | 6/16/2007 |
Q: In May 2007, I was contacted by American Agencies(collection agency) regarding a phone bill from ...
A: John, First thing is to find out the statute of limitations for this kind of debt in California. ...
|
| Creditor information not listed on report | 6/16/2007 |
Q: I am attempting to clean up my credit. I noticed on my credit report from Equifax, an old medical ...
A: Vanessa, Medical info is often suppressed, but not normally on your own credit report that you ...
|
| Citibank legal dept credit card | 6/15/2007 |
Q: i had got behind on my credit card, I got behind and thn started getting phonce calls from ...
A: Cc, We don't normally put people in jail for not paying credit card debt. This is a favorite dirty ...
|
| Old Debt | 6/14/2007 |
Q: How do I determine when my debt is past the SOL? My credit report shows a Past Due balance of $0 ...
A: Jim, Do you still owe anything? Sometimes will say zero balance because it has been sold to a debt ...
|
| put in collection without knowing I owed anyhting, and more | 6/14/2007 |
Q: I was recently contacted by a collection agency, about 6 months after I moved out of my first and ...
A: Brian, Call the lighting company to see if they say you owe it and which agency they sent the ...
|
| Collection agency:Medical bill incurred as a minor | 6/13/2007 |
Q: Mr Watts, I reside in the state of Arizona and received a bill/letter from collections regarding ...
A: Linda, At least in Alabama you would not be responsible. I believe AZ would be the same - as a ...
|
| Old Collection | 6/13/2007 |
Q: I live in Oklahoma. Moved from Cali. 3 years ago. I filled Bankruptsy in 2001. Well a few monthes ...
A: Chrystal, Couple of things. Was it listed on your bankruptcy papers back in 2001? Was that a ...
|
| accts sold by creditors | 6/13/2007 |
Q: in general, I live in az. and have numerous duplications on my credit reports. If a creditor sells ...
A: Mary, I don't know about the licensing issue. There can be duplicate accounts in this sense: ...
|
| Harassment from debt collector | 6/13/2007 |
Q: I've been receiving harassing calls from a debt collection agency called NCO Financial Systems Inc ...
A: Can you document the frequency of the calls after you sent the cease and desist letter? Maybe your ...
|
| Judgement on Credit Report | 6/11/2007 |
Q: Just the other day I obtained copies of my three credit reports, something I do on a yearly basis. ...
A: Couple of things: 1. Call the court where the judgment is from and order copy of the complaint and ...
|
| A BILL THAT IS NOT MINE | 6/10/2007 |
Q: over 3 years ago i began receiving collections letters from a collections lawyer with regards to a ...
A: Michael, Pull your credit reports and see if this is on your reports. If it is, dispute it as it ...
|
| Harassing Debt Collectors | 6/9/2007 |
Q: My father moved to another county over 12 months ago and apparently left a small debt unpaid. Since ...
A: Harold, To answer your questions: 1 - No you do not have to give info on your father; 2 - The ...
|
| Phone Bill Collections 13 yrs later | 6/9/2007 |
Q: I live in TN, but this is a NY debt. I got a letter from a collection agency for a verizon phone ...
A: Alicia, I just put up a blog entry that might help you. ...
|
| unknown old debt / | 6/8/2007 |
Q: Recently I recieved a letter from a company that stated I had an outstanding credit card debt of ...
A: Scott, Sorry you are dealing with this. What is the name of the collection agency or debt buyer? ...
|
| Interest charged after sent to collection | 6/6/2007 |
Q: Can the Collection agency charge interest rate while collecting a debt? Also, Can they call you at ...
A: Jean, It depends on your state and the type of debt as far as interest. Calling you at work - have ...
|
| Collection after bankruptcy | 6/5/2007 |
Q: I received a settlement notice from a collection agency a week ago. The debt must be from at least ...
A: Jane, This is a problem that happens quite a bit. We've put this on our website and blog. ...
|
| Collections notice. | 6/5/2007 |
Q: Mr. Watts, My wife received a collections notice from Afni, Inc. for an account that was from ...
A: Bill, I've sued AFNI several times. They seemingly have a bad habit of getting this really old ...
|
| Late Husband's Credit Card Debt | 6/4/2007 |
Q: I was an additional card holder ONLY (not a joint account holder) on my husband's American Express ...
A: Chris, This is an uncertain area of the law in a lot of states. Creditors like to say signing the ...
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| Civil Summons for Charged Off Debt | 6/1/2007 |
Q: I was served a civil summons for a charged-off credit card debt. I cosigned a card for my younger ...
A: Jennifer, Never ignore a summons. If you do, then a default judgment can be taken against you. ...
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| truck repo | 5/30/2007 |
Q: My husband bought a truck in Florida last May, while we were separated. I had filed for divorce but ...
A: Shannon, Unless KY is different than AL you probably are not responsible for the loan. Regarding ...
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| collection statue | 5/27/2007 |
Q: I recently receive a letter from a collection agency, AFNI, stating they were collecting on a past ...
A: Mark, Who was the original creditor on the copy of the phone bill they sent? Did you ever use that ...
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| How to dispute re-aging accounts | 5/25/2007 |
Q: I have been cleaning up my credit report by disputing negative items. But some of the accounts that ...
A: Morgan, Couple of things. If the accounts are being "re-aged" then they are no longer accuarate. ...
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| Creditors Harassing My Home | 5/18/2007 |
Q: Watts, I have had the phone number I currently have for over 6 months now, since I had to get a new ...
A: Ariel, One interesting thing to do is to argue that the federal law Telemarketing Consumer ...
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| Creditors Harassing My Home | 5/17/2007 |
Q: Watts, I have had the phone number I currently have for over 6 months now, since I had to get a new ...
A: Ariel, Who is calling - collection agencies or the original creditors or do you know? Is it always ...
|
| collection of a debt that is not mine | 5/16/2007 |
Q: I live in Texas. I just received a collection notice from a collection agency who, I assume, ...
A: Bruce, This is identity theft. Your ex wife stole your identity from what you said in your ...
|
| Cashcall | 5/12/2007 |
Q: About 2 weeks ago my cell phone was temporarily turned off and still is. I was late on my payment ...
A: Tim, Cashcall is probably not considered a debt collector under federal law - Fair Debt Collection ...
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| Sued and Served Issue | 5/10/2007 |
Q: I was served papers at my parents address while I was not living there by a sherrif in reference to ...
A: Chris, I don't think you can do anything on the sheriff. In Alabama at least the sheriff ...
|
| Illegitimate Insurance Charges forwarded to Collections Agency | 5/8/2007 |
Q: my step son wrecked my car. I had full coverage through Country Insurance. I filed a police report ...
A: Summer, Who called you - which collection agency? Did the letter come from the agency or from ...
|
| Going to repay but loan company threatening me | 5/7/2007 |
Q: I borrowed a payday loan on last month to get my lights turned back on. I am a single mother of ...
A: Tamala, How did they "pose as attorneys" and are they actually lawyers? If they lied to you then ...
|
| payday loan | 4/30/2007 |
Q: I received a call Thursday night at 9:30 from an Agency regarding a payday loan I took out in ...
A: Linda, this is a problem with pay day lenders and their collection agencies. Normally they can't ...
|
| collections on a paid dept | 4/29/2007 |
Q: a collection agency reprsenting Verizon is trying to collect a dept that i paid to another ...
A: Marty, A couple of things - if you can find where you paid that old agency then that will be great. ...
|
| my credit card history | 4/26/2007 |
Q: I have not kept records, but I want to know all the credit card accts. I had in the past. At most, ...
A: Randy, If the credit card accounts are not listed on your credit reports then I don't know how you ...
|
| been sued by collector | 4/23/2007 |
Q: i have received a citation on 4/21/07 for Chase Manhattan Bank credit card for the amount of ...
A: Dung, Who did you refuse to pay - CACH or Chase? Have you been sued? I have sued CACH before - ...
|
| car repossess | 4/23/2007 |
Q: I have a car, which my dad had paid off and my name is in the title along with my dad's. The real ...
A: Kim, Its possible your loan says if you default on any other debt this will be a default on your ...
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| collection on credit report | 4/22/2007 |
Q: I had a collection account on my report. I contacted the collection agency, they said it was ...
A: Aron, You might dispute the account with the credit reporting agencies. Is the original creditor ...
|
| payday loans, chapter 13, and & chapter 7 | 4/21/2007 |
Q: I've made a huge mess of my financial life and don't know what to do. In December 2001, my husband ...
A: Susan, I'm sorry about your situation. I'm not a bankruptcy lawyer so I don't know all the details ...
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| Offer to pay collection | 4/20/2007 |
Q: I applied for credit at a department store; bought ~$120 in clothes and they sent me the bill at the ...
A: Mace, I don't think they were telling this to you correctly. A collection account will normally ...
|
| summons | 4/20/2007 |
Q: I recently received a summons to appear in court for an old debt. I am unable to attend as I am ...
A: Kathy, If this is a consumer debt (i.e. non business) and if you were NOT sued by the original ...
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| sued by collection agency | 4/19/2007 |
Q: I'm being sued by a collection agency for a credit card that, according to my credit report, there's ...
A: Kimberlee, I don't know what the statute of limitations is in AZ but if you shoot me an email I'll ...
|
| Attorney/collection agency suing for CC debt | 4/19/2007 |
Q: I just received notice for a hearing yesterday from an attorney/debt collector regarding a 1600 ...
A: Nikki, I would always be reluctant to allow a default judgment. It goes on your credit report for ...
|
| Same debt reported twice | 4/18/2007 |
Q: Two different collection agencies seem to have reported the same debt to two different credit ...
A: Jeff, On your credit report should be the address of these places to contact. A single ...
|
| ER Solutions | 4/18/2007 |
Q: I currently have an open forgery investigation/claim through Washington Mutual. A rent check in the ...
A: Sandra ER Solution may put this on your credit report under a collection account and that will hurt ...
|
| Sued by a Collections agency | 4/17/2007 |
Q: I have received a letter that a collection agency is suing me for some old medical bills. I have ...
A: Lynn, Normally they can sue you even if making payments (although most won't). If they sue you, ...
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| old debt | 4/16/2007 |
Q: my friend bought a car roughly 10 years ago. 3 months after she bought it she had brain surgery and ...
A: Paul, that probably is beyond the statute of limitations but I don't know for IN. Shoot me an email ...
|
| Collection agency reported again after 15 Years | 4/15/2007 |
Q: It is more then 13 years since this debt with a credit card company was defaulted on because of my ...
A: Phil, Collection agencies/debt purchasers can NOT put this back on your credit report without you ...
|
| is this legal? | 4/12/2007 |
Q: i rec'vd a collection letter regarding a debt from 10 years ago. what i am concerned about, is that ...
A: They normally can't collect from someone who doesn't owe the money. Now often times agency can call ...
|
| Already in litigation | 4/11/2007 |
Q: I stopped a $400. cheque for a bad stay at a resort (initially they reduced the rate, then said they ...
A: Lew, you should find a good consumer lawyer to help you. She may defend you for free (some will, ...
|
| Medical Bill Dispute went to Collection Agency | 4/10/2007 |
Q: I live in California. I have dispute on a medical bill of around $1500 with my service provider and ...
A: Helena, it is quite possible that a collection account with 1500 can affect you. Only FICO and the ...
|
| sued for balance due on repo | 4/9/2007 |
Q: I received a warrant in debt in the mail yesterday. It was addressed to my son (his debt) but sent ...
A: I don't know the local rules about your son not living with you and the papers being served there. ...
|
| Motion to Compel and/ or Motions for Sanction | 4/8/2007 |
Q: Hayt,Hayt and Landau(Miami Attorneys) put a judgment against me last spring. I made arrangements to ...
A: Jeanne, If you have a judgment against you, I would get a lawyer. I'm not familiar with the local ...
|
| Wifes Dental Bill | 4/8/2007 |
Q: My wife has an outstanding dental bill that went to collections.It showed up on my credit ...
A: Mike, Did your wife have your authority to sign this way for you? Dentist does not have to accept ...
|
| How to answer a summons | 4/6/2007 |
Q: I have received a Summons and Complaint regarding debt owed to Discover Card. I do owe this debt ...
A: TJ, I would NOT let a default jugment be taken. You need to answer the complaint or have an ...
|
| sued for balance due on repo | 4/6/2007 |
Q: I received a warrant in debt in the mail yesterday. It was addressed to my son (his debt) but sent ...
A: Who sued your son - a collection agency or the original creditor? If a "debt collector" then there ...
|
| statue of limitations | 4/6/2007 |
Q: california, AFNI is attempting to collect a debt that I was not aware of till last nights mail.they ...
A: Stephanie, in most states the last payment you make is about when the statute starts running ...
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| seisure of social security and retirement funds | 4/5/2007 |
Q: I currently live in the state of florida and voluntarly defaulted on a vehicle for lack of funds to ...
A: Donald, This depends alot on state law. Normally a suit must be filed to seize anything. If you ...
|
| Small medical bill, but making payments each month. | 4/5/2007 |
Q: We have a small medical bill that is under $500.00 and we have been making payments each month, none ...
A: Bob, Normally making payments does not prevent the creditor (hospital, doc, etc) from suing you or ...
|
| Dispute not answered | 4/5/2007 |
Q: There is a charge of $642.00 on my credit report from ATT and a collection company. I have sent a ...
A: Dianne, Did you dispute this with one or all of the credit bureaus - Equifax, Experian and Trans ...
|
| disclosing of my debt to my parents | 4/5/2007 |
Q: I have a collection agency who is ready to litigate and sue me. But i remember that they called my ...
A: A debt collector is not allowed to disclose this type of information to your parents. This is sort ...
|
| CAR REPOSSED | 4/4/2007 |
Q: I had my car repossed in November by Wachovia Bank and they sold it in December for $600. I now owe ...
A: Tracey, Normally to garnish a lawsuit must be won against you. To win, the lawsuit must be filed. ...
|
| Final Settlement letter from | 4/4/2007 |
Q: I got my final letter from Eric with Joseph H. Belzer Law office, it reads....This letter is to ...
A: Miguel, I'm always concerned when collectors don't give solid answers. "May" work it out and using ...
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| summons received for old bill with ex | 4/4/2007 |
Q: My ex-fiance and I went to a cookware "demonstration" in early 2005 where they convinced us we ...
A: Jim, sorry you are dealing with this. Normally you are just as responsible as the other person on ...
|
| Hearing tomorrow? Attorney is out of town.. | 4/3/2007 |
Q: I have a hearing tomorrow regarding a judgement lawsuit. The attorney I want to use is out of town. ...
A: Unless you know it has been continued/delayed, you need to show up so a default judgment won't ...
|
| statue of limitations | 4/3/2007 |
Q: california, AFNI is attempting to collect a debt that I was not aware of till last nights mail.they ...
A: Stephanie, Sounds like this account is ten years old. Normally this is not allowed to be on your ...
|
| Final Settlement letter from "Law office" | 4/3/2007 |
Q: I got my final letter from Eric with Joseph H. Belzer Law office, it reads....This letter is to ...
A: Miguel, If you can and want to pay it, make sure it gets there by the deadline. Give yourself a ...
|
| collection after bankruptcy | 4/2/2007 |
Q: My husband filed bankruptcy in september 05,He filed on a car that his ex wife got in the divorce ...
A: Mary, definitely get with your bankruptcy attorney on this. From what you have described, it sounds ...
|
| credit card calls | 4/1/2007 |
Q: I have a question on how many times a day a credit card collector can contact you. I have one the is ...
A: Kathy, Is this an actual credit card company or a collection agency? This can make a difference as ...
|
| Motion to Confirm and Enforce Arbitration Award | 4/1/2007 |
Q: Long story short...I'm being sued by Chase for $12,000 (Principle of appox. $10,000) on the basis of ...
A: Marie, If it is actually Chase, then normally Chase is not subject to FDCPA as it is the original ...
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| Summons | 3/31/2007 |
Q: My wife and I were just summoned to court for a $220.00 hospital bill that we were never aware of. ...
A: Joey, Who has sued you - the hospital or some debt collector/buyer? First thing is to answer the ...
|
| Credit Card Collection | 3/31/2007 |
Q: In 1998 I got my first credit card through Providian ( which I later learned was a rip off credit ...
A: LaToya, The statute of limitations is a difficult area when it comes to credit cards. But the ...
|
| credit card court summons | 3/30/2007 |
Q: A law firm contacted mt father, and then myself yesterday regarding a capital one visa card I had in ...
A: Marlene, If you can't pay this off and they won't work with you, then make sure you pay attention ...
|
| Returned Check Collection | 3/30/2007 |
Q: I live in Utah and just recently I received an attorney letter saying I woed ona returned check from ...
A: Stephanie, Does the letter say the check was bad back in 1991 or 2001? Have you contacted your ...
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| Additional collection on a satisfied judgement? | 3/29/2007 |
Q: I received a letter of collection from a collection firm that had sued me in the past and won a ...
A: Bubba, Two things. First, go ahead and get the court records. I know its a pain but I would do ...
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| Money taking from my bank account | 3/29/2007 |
Q: Last Friday I noticed that a collection agency in Long Island NY place a restraining notice for ...
A: Luis, Having a common name and getting "mixed up" is quite common. Normally the creditors/debt ...
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| Repossessed Vehicle | 3/29/2007 |
Q: I currently live in the state of Maryland. My Ex-Husband and I purchased a vehicle while we were ...
A: Typically a collector or debt buyer will be easier to settle with since they bought the debt for ...
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| Judgement on me? | 3/28/2007 |
Q: I am attempting to pay off all my debts. I am having a hard time finding one of my old debts. I ...
A: Angela, Everywhere I know you must be served with a lawsuit for it to be valid. As a matter of ...
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| Collections games | 3/28/2007 |
Q: I leased a vehicle in 2001 from (company name witheld). I paid each month on time and when it came ...
A: Michael, I know this is a frustrating experience. But you can't force anyone to "settle" with you ...
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| AFNI DEBT / Verizon | 3/27/2007 |
Q: Please advice. I recieved a letter in the mail yesterday from AFNI saying i owed for a Verizon ...
A: Rohini, Did you change the name of the landline over to your roomate when you left? I would send ...
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| What to do now? | 3/27/2007 |
Q: I am trying to clear my credit report of a settled account that was paid for in 2004; as of today, ...
A: Joseph, Do you have it in writing that you settled the account? That is a letter from E&A saying ...
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| SOL | 3/27/2007 |
Q: I have moved a lot over the past 12 years.Is the SOL based on the state the account was opened in or ...
A: Amy, That is a difficult question to answer. Each state is different. Alot of credit card ...
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| Incorrect Tradelines | 3/27/2007 |
Q: I have several questions with inaccurate tradelines... 1. I had two credit cards go bad in college ...
A: Barry, 1. At most, seven and half years from when you last paid. A cc can wait 180 days from when ...
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| Medical Bill | 3/27/2007 |
Q: I received a letter from a collection agency looking for $700 for an unpaid hospital bill for my ...
A: Monica, Couple of items - you need to check the statute of limitations in your state. Six years ...
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| Credit Card Debt Summons | 3/26/2007 |
Q: My husband has a Capital One account that was charged off June 2004 for $2714. We recently received ...
A: Jennifer, Where are you? Is this from a collection agency or lawfirm? You have 30 days to respond ...
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| Repossessed Vehicle | 3/26/2007 |
Q: I currently live in the state of Maryland. My Ex-Husband and I purchased a vehicle while we were ...
A: Diana, Unfortunately this happens a lot. In most places I know of, the divorce decree does not ...
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| Charged off account | 3/25/2007 |
Q: Last year, I received a summons that I had to go to our local magistrate office judgement for an ...
A: Stefanie, A dismissal withOUT prejudice means the creditor can sue you again. Normally it does not ...
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| Statute of limitations | 3/24/2007 |
Q: John, I have a delinquent account that I believe was last paid on in 2001 or 02. I received a ...
A: Davy, The immediate step I would suggest is to check with the court where you were sued and find ...
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| How paying off collections/judgments affect your credit score | 3/24/2007 |
Q: I am a CA resident with a question regarding a judgment and credit. I'd like to give you a little ...
A: Kim, unfortunately you are in a very difficult position. I would strongly recommend that you get ...
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| statue of limitations | 3/23/2007 |
Q: I receive a collection notice about a credit bill in which my last action was in 1996. I look at my ...
A: One thing to remember is the time for bad accounts becoming "obsolete" and falling off your credit ...
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| Not my loan. | 3/22/2007 |
Q: I received a call today from Financial Credit Service out of Illinois telling me I had a 14,000 ...
A: Ken, Is FC just listed as pulling your credit (an "inquiry") or actually listed as an account or ...
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| debt collection Unifund cCR | 3/22/2007 |
Q: I have a judgment that was enter against me by unifund. They sent me two letters, one stating who ...
A: Tammie, I really can't give you any suggestions other than to get with a lawyer. Someone local who ...
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| Not my loan. | 3/22/2007 |
Q: I received a call today from Financial Credit Service out of Illinois telling me I had a 14,000 ...
A: Ken, I would do a couple of things as quickly as possible. Pull your credit reports for free if ...
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| collections law | 3/21/2007 |
Q: A lawyer called me and said that capital one hired his lawfirm.About 1 month ago this all started. ...
A: Did Capital One sue you? Did they obtain a judgment? Normally most states only allow a garnishment ...
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| Collections Threat | 3/20/2007 |
Q: I have been moved out of my apartment for 5 month. I verbally informed the leasing assistant of ...
A: I don't know of any law that says if you are making payments that you "can't be sent to ...
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| Debt | 3/20/2007 |
Q: I received a notice from a collection agency that I owed a little over $1,400 to Verison for a phone ...
A: Tom, while I can't give you advice without talking to you directly, here are some thoughts and ...
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