| Subject | Date Asked |
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| Colorado - credit card debt, lawsuit, default judgment questions | 10/6/2008 |
Q: Background: I'm Colorado based. To keep a business afloat I sold personal assets and used credit ... A: To answer your first question, I would check with the clerk of the court to see if the court dockets ...
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| debt validation | 10/6/2008 |
Q: Can a debt collector ask for more information after a validation letter is sent? I recently sent a ... A: I suspect they are just trying to stall you and befuddle you with nonsense. You probably have a ...
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| False amount lied affidavit | 10/5/2008 |
Q: I have confusing question I hope you Can help me with. I have a default CC from about 3 years ago.It ... A: Lots of things I have to know before I can start to give you any suggestions. So here goes. 1. What ...
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| How do i answer a summon? | 10/5/2008 |
Q: I have till tomorrow to answer a summons. I owe $1,761 plus $352 lawyers fee. I have no idea what ... A: You say that you have until tomorrow to answer a summons but you may actually have until Tuesday to ...
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| Court Summons for Credit Card Debt. | 10/2/2008 |
Q: I live in Florida. The alleged credit card debt was initiated in Massachusetts. My question is; ... A: Yes, all you have to do is show up in court and demand that your case be heard in a trial before a ...
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| Court Summons for Credit Card Debt. | 10/2/2008 |
Q: I live in Florida. The alleged credit card debt was initiated in Massachusetts. My question is; ... A: Mediation is nothing more or less than arbitration and I don't like either one because both of them ...
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| Collection on residential lease | 10/2/2008 |
Q: Last year I signed a lease for an apartment in Washington DC with my friend for 12 months. After ... A: Then you need to pull your credit reports to find out if there is any incorrect information or ...
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| Court Summons for Credit Card Debt. | 10/1/2008 |
Q: I live in Florida. The alleged credit card debt was initiated in Massachusetts. My question is; ... A: Will your SOL argument work? Probably not unless you really know how to make it stick. Most judges ...
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| Civil Summons | 10/1/2008 |
Q: I received a civil summons to answer within 20 days. It is from a credit card debt I do owe. I have ... A: You will have to file a response to the summons. It makes no difference that you owe the money. That ...
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| seizing of assets | 10/1/2008 |
Q: I have a court appearance on an old credit card. I was told that the creditor would try and put a ... A: You have really shot yourself in the foot. That is about the worst thing you could have possibly ...
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| seizing of assets | 9/30/2008 |
Q: I have a court appearance on an old credit card. I was told that the creditor would try and put a ... A: You want to make certain that the money from the pension and the money from the court settlement are ...
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| Love, Beal, and Nixon | 9/25/2008 |
Q: I got information today from a home investor that LB&N had some type of lien or had attached an ... A: I certainly would advise against contacting LBN in any way because judgments have a 5 year statute ...
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| Confused as hell. | 9/23/2008 |
Q: I was about to be taken to court back in April from a Law frim representing Asset Acceptence. THis ... A: Well, your dumb attorney wasn't so dumb after all when he told you to wait for the summons. I say ...
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| Served for old debt | 9/22/2008 |
Q: My wife and I recently moved out of Tulsa, Oklahoma to Charlotte, North Carolina on 8/16/08. The ... A: The Oklahoma Statute is 5 years, not 3 years. As you say, North Carolina is 3 years and that is the ...
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| CREDIT CARD DEPT | 9/22/2008 |
Q: MY HUSBAND HAD A CREDIT CARD FOR SEVERAL YEARS. THE AMOUNT CHARGED WAS LESS THAN $4,OOO. WE CAME ... A: Although the solution (how to do it) is fairly complicated what you should do is simple. You must ...
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| Anser to cournt sumon on debt collection | 9/21/2008 |
Q: I am recently being serrved a summon in Travis county court of TX, the plaintiff is citibank and law ... A: You are theoretically correct on the sworn denial issue but what are you going to do if there is no ...
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| Anser to cournt sumon on debt collection | 9/20/2008 |
Q: I am recently being serrved a summon in Travis county court of TX, the plaintiff is citibank and law ... A: Why would you file two different types of denials? One is all you need. But what are you planning ...
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| filing an answer(defense) in a civil complaint | 9/18/2008 |
Q: I need to file an answer and just need to know how to set it up so that it would be accepted by the ... A: Just look at the complaint. That should give you a pretty good idea of how to do it. I am truly ...
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| filing an answer(defense) in a civil complaint | 9/17/2008 |
Q: I need to file an answer and just need to know how to set it up so that it would be accepted by the ... A: You don't want to file an answer. You want to file a response. There is a big difference between the ...
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| How to respond to summons if cc debt is past sol | 9/17/2008 |
Q: I received a civil summons today from an officer at my home for a credit card debt.When I checked my ... A: I would say that it depends on whether or not they actually dismissed the case in the first county ...
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| unsecured debt and judgements | 9/16/2008 |
Q: i live in georgia, i own a home with 60% equity, i am current on the mortgage and small 2nd ... A: I would get your name off of any checking accounts and anything to do with the corporation. If your ...
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| summuns | 9/16/2008 |
Q: I receved a summons from the clerk of courts in euclid ohio.FOR CREDIT CARD THEY SAY I HAD BUT I DO ... A: YOu will have to answer the summons. I would be very suspicious of that affidavit. It is probably a ...
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| unsecured debt and judgements | 9/16/2008 |
Q: i live in georgia, i own a home with 60% equity, i am current on the mortgage and small 2nd ... A: yes, they can get to your checking account and they can go after the second vehicle that is paid ...
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| credit collection | 9/16/2008 |
Q: This is an interesting forum, I do have a question. In the past I fell behind on my Sears card. ... A: Obviously you made a huge mistake paying the debt collector anything at all so don't make the same ...
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| Summons-SOL | 9/16/2008 |
Q: I was served for a credit card debt that I believe is beyond the SOL. My credit report says that ... A: SOL runs from the time you made your last payment plus 30 days until the time they filed their ...
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| Process of hearing vs trial. | 9/16/2008 |
Q: I haven't been served yet, but its coming any day. I can get on the internet and see the hearing is ... A: Send all your discovery requests to the plaintiff's attorney at the same time you send your denial. ...
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| How to respond to summons if cc debt is past sol | 9/16/2008 |
Q: I received a civil summons today from an officer at my home for a credit card debt.When I checked my ... A: April /05 to April /08 would be the 3 years so they filed in time. Can't use a SOL defense. You ...
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| unsecured debt and judgements | 9/15/2008 |
Q: i live in georgia, i own a home with 60% equity, i am current on the mortgage and small 2nd ... A: Georgia is not a community property state so they can't touch your husbands assets. They can put a ...
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| Summons for a lawsuit | 9/14/2008 |
Q: I recieved a personal loan from a credit union (I live in GA) in 2001. in january 2004 my ... A: You will have to respond to the summons or they will get a default judgment. Above all, don't pay ...
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| collection of summary judgement | 9/12/2008 |
Q: I have a court case in which a credit card company is seeking a summary judgement. If the summary ... A: If a summary judgment is awarded? There isn't any "if" to it unless you start learning how to deal ...
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| court summons,possibly past statue of limitations | 9/11/2008 |
Q: I just received a court summons for a debt with Citibank, it's a summons to appear in court. I ... A: Can I explain briefly how you can use the graduated denial? Not in a public forum I can't. Far too ...
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| How to prepare for trial | 9/10/2008 |
Q: I received a court summon on August 28 from a collection agency lawyer, and this account is formerly ... A: The problem is no longer in the hands of the debt collection agency. It is in the hands of the ...
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| summons served | 9/9/2008 |
Q: I just recently was served a summons from an attorney out of town by Asset Acceptance LLc with my ... A: Just writing letters will get you absolutely nowhere when dealing with courts. All courts use ...
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| Response to Civil Summons | 9/9/2008 |
Q: I recently was served a civil summons on a vehicle I voluntarily let go back in 2005. On June 30, ... A: I can't give you legal advice and even if I could I wouldn't be able to do it in such a forum as ...
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| summons served | 9/8/2008 |
Q: I just recently was served a summons from an attorney out of town by Asset Acceptance LLc with my ... A: First of all, don't attempt to educate the other fellow. If they used a name with a totally wrong ...
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| Credit Card | 9/8/2008 |
Q: Mi ex novio uso mi informacion de SSN para abrir 2 cuentas de tarjeta de credito por un total de 9 ... A: Su ex novio agarro su information personal y uso para abrir 2 cuentas de tarjeta de credito? ...
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| debt | 9/7/2008 |
Q: I have two negative accounts on my credit report. 1)I owed $500 to at&t for a cell phone bill that ... A: I need to know what state you live in because the 7 year statute of limitations has absolutely ...
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| getting my money back | 9/7/2008 |
Q: I loan someone $400.00. I had them sign an IOU for it and stating she would pay it back by Dec ... A: Yes, you can do that by filing a complaint against her in small claims court and getting a judgment. ...
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| Resolving judgement | 9/5/2008 |
Q: My husband has a judgement against him for a defaulted Dillard's card, filed in 2005. We are trying ... A: Well, seems to me that the attorney is the one who should resolve this issue. If nobody knows ...
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| FNCB Speigel | 9/5/2008 |
Q: My debt was a $35 late payment that has balooned into $880+ (including a $350 lawyer fee). My ... A: Five years on an oral contract? What state do you live in? If the SOL has passed you need to file a ...
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| I'm a little confused with procedure. | 9/3/2008 |
Q: I'M about to be served, I know this becasue it says "out for process server" in my states database. ... A: You are actually trying to consider a number of things that really don't make much difference or at ...
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| summons served | 9/3/2008 |
Q: I just recently was served a summons from an attorney out of town by Asset Acceptance LLc with my ... A: The first thing to do is check with the clerk of the court at the county court house and see if a ...
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| Debt Collection | 9/2/2008 |
Q: I purchased a vehicle in 01/2003 in 05/2005 I became ill and could no longer afford the vehicle due ... A: You situation is a bit confusing because SC law says that written contracts are 10 years and ...
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| Received a court summons today | 8/31/2008 |
Q: I received a court summons today from a law firm representing Midlands Credit Management. After ... A: If they haven't filed the case but sent you papers that allege that they did that could be a ...
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| FAber and Brand says FDCP doesnt apply and wont send me info?? I need help. | 8/30/2008 |
Q: I need help bad. I opened a credit card with advanta bank 3 under my name . It was a card they would ... A: Thats a lot of hopes you have there but you might as well hope they get hoof and mouth disease or ...
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| FAber and Brand says FDCP doesnt apply and wont send me info?? I need help. | 8/29/2008 |
Q: I need help bad. I opened a credit card with advanta bank 3 under my name . It was a card they would ... A: I asked the question because if it is a consumer debt or you actually used the card for personal ...
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| Settling Debts with Collection Agencies; or Filing Chapter 13? | 8/29/2008 |
Q: I have a specific question for you about my debt situation. To explain; I am the single Mom of an ... A: Well,it seems obvious to me that you have already seen how much the credit card companies have ...
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| mediation | 8/29/2008 |
Q: Do I have to attend court-ordered mediation sessions? I do not want to attend this mediation. Thanks A: No, you don't have to attend the court ordered mediation. But failure to attend is likely to make ...
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| statute of limitations defense | 8/29/2008 |
Q: The statute of limitations on open end accounts in my state is three years. Will a recent credit ... A: A judge may or may not consider that to be reliable evidence. I really don't know of any instance ...
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| Nationwide Credit | 8/29/2008 |
Q: American Express has sent my account to Nationwide. Nationwide says they won't accept monthly ... A: But then said I shouldn't pay American Express and would have to pay Nationwide. I'm confused. If I ...
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| Capital One Bank | 8/28/2008 |
Q: My husband, before we were married, got a credit card with a limit of $500.00 from Capital One ... A: First of all, what state do you live in? When did your husband make his last payment to Cap One? The ...
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| Judgement | 8/28/2008 |
Q: I had a judgement place against me and is still on my credit for almost 5 years now. It was a ... A: No, you didn't do the right thing. So let's start with gathering a couple of facts. 1. What state ...
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| RE:Notice of right to Have Exemptions Designated | 8/28/2008 |
Q: I received this court paper from the sherriff and i dont know what to do.Im being sued for the money ... A: There are some things I need to know before I can help you. I need to know what state you are in and ...
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| Physician payment | 8/27/2008 |
Q: My daughter underwent surgery in January and I have been billed for the amount over the insurance ... A: Yes, they can and they probably will. You should probably hope they do and the quicker the better. ...
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| Received a court summons today | 8/27/2008 |
Q: I received a court summons today from a law firm representing Midlands Credit Management. After ... A: I would be extremely careful what I did with this deal. You will have to do your research on this ...
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| Nationwide Credit | 8/26/2008 |
Q: American Express has sent my account to Nationwide. Nationwide says they won't accept monthly ... A: First of all, they are a 3rd party debt collector but regardless of who they are you should never ...
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| We've received a collections summons on a CitiBank account. | 8/26/2008 |
Q: My wife has just received a court summons from a collection agency's lawyer, and this account is ... A: You are very lucky the debt negotiation company wouldn't take your case. They would have just robbed ...
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| service time from date issued, summons | 8/26/2008 |
Q: I was served a summons last night, 8/25 the issue date was 7/21. I am notified to appear or face a ... A: I'd file a motion for extension of time and in your motion tell them when you got the summons. You ...
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| Served for a Debt I am paying | 8/26/2008 |
Q: Lovely, the day before my 30th B-day I'm served by the Merchants Credit Corporation. A nasty mean ... A: That's what you get for messing with a debt consolidation company. The creditors have no obligation ...
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| Summons/SOL for NM Passed/Now Live In OR | 8/26/2008 |
Q: I will do my best to state the facts clearly & succinctly as I am in need of advice: Had a free ... A: Probably more tricks but you need to call up the clerk of the court in that county and find out if a ...
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| Vol. Car Repo | 8/25/2008 |
Q: I had a car that I turned in, in 2006. I received a letter from my local saying I was being sued by ... A: You should send the second attorney a demand for validation/dispute letter immediately. Don't say a ...
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| Someone Giving Out My Number | 8/25/2008 |
Q: For over a year, I have been getting phone calls from credit agencies (either 866 number or UNKNOWN ... A: Not hard at all. All you have to do is answer the phone and demand that they give you their contact ...
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| How a representative spoke to my wife. | 8/25/2008 |
Q: At the end of May this year we had sent our credit card info to a debt management company to help ... A: Absolutely! Sue him in federal court and make him pay for his abusive tactics. Bill Bauer ...
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| BAD DEBT IN TEXAS | 8/25/2008 |
Q: I was reading your response that after 7 years a company can't sue you over the debt. and that 11 ... A: Yes, but it must say: Cease & Desist from any and all contact with me by any means whatever. She ...
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| statute of limitations defense | 8/25/2008 |
Q: I am being sued by LVNV Funding claiming to be a "factoring account" collecting a credit card debt ... A: It might be used as evidence but the best evidence rule would dictate that a statement from the ...
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| Summons/SOL for NM Passed/Now Live In OR | 8/25/2008 |
Q: I will do my best to state the facts clearly & succinctly as I am in need of advice: Had a free ... A: @ The plantiff is LVNV. Looks like something they bought from Sears Nat'l Bank. Debt dated as being ...
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| 20 Year Old Debt Collection | 8/24/2008 |
Q: I was contacted by a debt collection agency on 8/20/08 regarding a Kay Jewelers credit card debt ... A: That would be within 5 days after their initial contact with the consumer they must have a letter ...
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| Vol. Car Repo | 8/24/2008 |
Q: I turned in my car in 2002 when I became pregnant with my second son. As a single mom, I choose to ... A: Well, your response is good but now you need to follow up with interrogatories, admissions and ...
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| 20 Year Old Debt Collection | 8/24/2008 |
Q: I was contacted by a debt collection agency on 8/20/08 regarding a Kay Jewelers credit card debt ... A: I'd suggest that you forget all about what you have read "elsewhere" and start getting your ...
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| Received a court summons today | 8/24/2008 |
Q: I received a court summons today from a law firm representing Midlands Credit Management. After ... A: First go to your bank and get copies of the checks you paid them with. Secondly prepare your ...
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| Debt Validation | 8/24/2008 |
Q: I have written before, still with the same problem. I received a collection letter from the JDB that ... A: They can file a judgment even though they have never validated the debt. No problem. Yes, they must ...
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| debt collection | 8/23/2008 |
Q: i just recently asked a question about arbitration. i need to add to that question. i want to say ... A: Believe it or not they can do that but when it gets to your local court the judge isn't going to pay ...
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| debt collection | 8/23/2008 |
Q: we have received an arbitration claim by certified mail against a credit card debt. (claim ref. # ... A: Credit solutions? Fire them immediately. They aren't doing you any good. Fact is they are probably ...
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| Summons & Court Date | 8/23/2008 |
Q: I immediately pulled my credit report with Transunion and can find no mention of this debt. I ... A: You thought they could not proceed until they supplied you with full debt validation? Where did you ...
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| debt collection | 8/23/2008 |
Q: I received a telephone call from a debt collection company stating that they were given my account ... A: No, $400 isn't going to bankrupt that company. Neither is the $4.00 they probably paid to buy that ...
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| credit card debt | 8/22/2008 |
Q: I received a summons to appear in court for a credit card debt I haven't paid on in several months.I ... A: You must respond to the complaint. If you don't then they will get a default judgment. Once they do ...
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| hospital bills in collections | 8/21/2008 |
Q: In 2005 I had an approx. $500 hospital bill go to collections in NC. I was unable to pay at the ... A: I don't know a thing about credit reports or credit repair so I don't get into that kind of thing at ...
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| Electric Bill Collections | 8/21/2008 |
Q: I have just received two calls from a collection agency in regards to our Electric Bill from the ... A: Pay the original creditor or nobody. If you live in or near the same city where the electric company ...
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| SERVED A SUMMONS TO FORECLOSE | 8/21/2008 |
Q: I WAS SERVED A SUMMONS TO FORECLOSE ON AN INVESTMENT PROPERTY THAT I OWN AND HAVE BEEN UNABLE ... A: Postmarked date don't usually work. Has to be in the court by the due date or you lose. But what ...
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| 20 Year Old Debt Collection | 8/21/2008 |
Q: I was contacted by a debt collection agency on 8/20/08 regarding a Kay Jewelers credit card debt ... A: First of all, as you may be aware, the debt is outside of your state's statute of limitations. Even ...
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| deficiency balance | 8/21/2008 |
Q: I have a loan thru a finance company in Washington State. The security consists of a motorcycle, ... A: Count on the fact that if you let it go bad they will sell it for much less than it is worth and you ...
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| Injured by dentist, Bill in collection | 8/21/2008 |
Q: Please help asap!! I have been receiving strange calls from an unknown tel. number, which I never ... A: First of all, why is it that you don't want to sue the dentist? You really should. Secondly, if you ...
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| NCO | 8/21/2008 |
Q: I have an outstanding debt with NCO. The Bill says that the purchased amount is $134.97 Yet they ... A: Sounds to me like you have a great case against NCO. You should sue them. If you demanded ...
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| Sued by Palisade Collections | 8/20/2008 |
Q: I received a summons stating that I was being sued by Palisades Collections for an old Providian CC ... A: What I would do is go to the clerk of the court and ask to see your public record then look for that ...
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| statue of limitations for unpaid bills in california | 8/20/2008 |
Q: my son owes alot of debt credit card, car loans,medical bills. his wife says if they wait 7 years ... A: Both of you are correct. It just depends on what statute of limitations you are talking about. She ...
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| Suit by Mann & Bracken | 8/19/2008 |
Q: Am I correct to assume that the declarations page which is not notarized but is signed by the lawyer ... A: I must assume that you didn't demand validation in writing within 30 days after you received their ...
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| Electric Bill Collections | 8/19/2008 |
Q: I have just received two calls from a collection agency in regards to our Electric Bill from the ... A: You may not want to believe what I am going to tell you but the truth is that paying the debt will ...
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| Time period after filing a response to a civil suit summons | 8/19/2008 |
Q: I filed response to a civil suit summons about a month ago and I have not received anything from the ... A: Absolutely not! They are not allowed to continue with collection attempts until they have validated ...
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| Old Debt...Midland Mgmt trying to pursue legal action! | 8/19/2008 |
Q: I have an old debt with Associates Company! The debt is almost 9 years old and has been passed along ... A: According to some courts, the letter threatening legal action can be construed as a violation. ...
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| Vol. Car Repo | 8/18/2008 |
Q: I had a car that I turned in, in 2006. I received a letter from my local saying I was being sued by ... A: So you have been served with a summons and copy of the complaint or not? That has to be the first ...
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| auto lien | 8/17/2008 |
Q: I was involved in an accident in Nov.o7 and have not worked or made any income since. I have a ... A: Have your friend put a lien on it for whatever it is worth. Sign a contract with him to pay him the ...
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| 9 year old debt | 8/17/2008 |
Q: I was just contacted today, Sunday August 17th, by a collection agency. The person I spoke with ... A: The first thing to do is remember that since that is their initial contact with you they have 5 days ...
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| Civil summons for invalid debt beyond SOL | 8/17/2008 |
Q: Yesterday I received a certified letter from the county courthouse listing me as a defendant in a ... A: I sure would like to see an actual copy of that affidavit. Is there any way you can send it to me? ...
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| Collection on old credit card debt past sol | 8/17/2008 |
Q: State is NC.I was sent a collection notice from ATG CREDIT ,LLC.Account has been referred to them ... A: That presents a bit of a problem. You know the debt is past SOL because the account number is for a ...
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| Civil summons for invalid debt beyond SOL | 8/17/2008 |
Q: Yesterday I received a certified letter from the county courthouse listing me as a defendant in a ... A: Time barred is approximately correct. Motion to dismiss for failure to state a claim upon which ...
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| Civil summons for invalid debt beyond SOL | 8/16/2008 |
Q: Yesterday I received a certified letter from the county courthouse listing me as a defendant in a ... A: Why would you file an answer to any debt regardless of age? Of course, you must respond to the ...
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| unfair car repossession | 8/16/2008 |
Q: I would just like to ask about car repossession and as well as deficiency judgement. My story was ... A: I certainly do use different methods. I vehemently disagree with such scams as those you mentioned. ...
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| Being Sued by JP Morgan Chase | 8/15/2008 |
Q: I was served with a lawsuit for full payment of my credit card. The problem is that I was on a ... A: I'd go for it pro per knowing that I would most likely lose in local court. But I would look for ...
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| Responding to Bill of Particulars | 8/15/2008 |
Q: I am the plaintiff. The defendant is my ex-husb. He hired a lawyer when I filed a warrant of debt ... A: The first thing you should do is to check both your state and local court rules to see if they allow ...
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| Time period after filing a response to a civil suit summons | 8/15/2008 |
Q: I filed response to a civil suit summons about a month ago and I have not received anything from the ... A: Most affidavits are false or misleading one way or another. Many are outright lies that can be ...
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| Spellman & Roman | 8/15/2008 |
Q: This co. called me this morning threatening to have my husband arrested if we didnt come up with ... A: No, it is not legal for them to do that. You can't do much about it if you can't prove that they did ...
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| Civil Summons Update | 8/15/2008 |
Q: I just submitted a question and after I did I did some research and found that according to my ... A: That would not be a good approach to the problem at all. First of all, letters to the court are not ...
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| statute of limitations | 8/14/2008 |
Q: I had a credit card in Connecticut in late 1990. I moved to Rhode Island in 1999.An agreement with ... A: There are actually three different statutes of limitations that can be used in credit card debt ...
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| RE: How do i find out how much i really owe the bank? | 8/14/2008 |
Q: Expert: Creditwrench Date: 8/11/2008 Subject: How do i find out how much i really owe the bank? ... A: Is answering the best thing to do? Well, what is your answer going to be? That should tell whether ...
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| Summon for Medical Bill | 8/14/2008 |
Q: I live in Washington State and I have received a summons regarding a medical bill from Christmas ... A: You are absolutely correct in saying that the validation letters to be found all over the internet ...
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| Judgement | 8/14/2008 |
Q: I read some of your questions and answers on your website. I can certainly can relate! I was served ... A: Why would you want to pay some gentleman who has a friend who is an attorney and would cost over ...
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| Collecters harassing me about someone else | 8/13/2008 |
Q: I receive a good three, five, sometimes ten phone calls a day from what seems on my caller ID to be ... A: Before you can take legal action against these people you need causes of action. To get your causes ...
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| Law suit against me from Global Acceptance Credit Corp. LP | 8/13/2008 |
Q: First: The DLA on the debt is 06/05. The complaint was filed 05/27/08. I never received any letters ... A: You won't be successful with a statute of limitations defense then. Inside is inside and outside is ...
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| prevent a medical bill from going to judgement | 8/13/2008 |
Q: My question is 10/28/07 my husband had acute appendicitis he was operated on our insurance paid at ... A: Legal rights? Well, you have the legal right to fight about it for whatever good that will do you. ...
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| Being Sued by Dynamic Strategies, inc. | 8/13/2008 |
Q: my wife was just served papers on my behalf from a company called Dynamic Strategies, Inc. They are ... A: Yes, there are some legal loopholes that can get you past this problem. Can you prove when you made ...
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| judgements | 8/13/2008 |
Q: Credit card company recently froze 2 of my checking accounts and a savings account which was not ... A: There is a way or maybe even two ways to do that But in order to tell you whether or not that is ...
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| being sued by BofA | 8/13/2008 |
Q: Greetings Bank of America has "sold" my debt to a third party collector-for what it seems anyway. ... A: I was just inclined to want to do that.. however is it legal to record voice mails in NC, if not as ...
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| being sued by BofA | 8/13/2008 |
Q: Greetings Bank of America has "sold" my debt to a third party collector-for what it seems anyway. ... A: For right now all I can tell you is don't call them back and save those voice mails. Record them if ...
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| received non jury roster | 8/12/2008 |
Q: i live in the state of south carolina. i received a non jury roster for a collection from the year ... A: Ok so you are in good shape for a SOL defense. Household bank is not a collection agency nor is it a ...
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| sued by capital one | 8/12/2008 |
Q: I received a civil summons on Aug 3 2008. I am being sued by capital one for a $1580.00 that with ... A: Court appointed lawyer? What court appointed lawyer? This isn't a criminal case and only those ...
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| Voluntary Repo | 8/12/2008 |
Q: My brother voluntarily repoed his Hundai Sonata in July of 2004. Somehow, someway, they are just ... A: Your father needs to send a cease & desist letter to the collection agency. That should stop them. ...
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| judgements | 8/12/2008 |
Q: Credit card company recently froze 2 of my checking accounts and a savings account which was not ... A: One thing you might do if the other family members are adults is to have them sue for wrongful ...
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| statue of limations | 8/12/2008 |
Q: My ex-husband had a car repossessed in 2000. I am on the loan as well and they are coming after me ... A: Pennsylvania statute of limitations is 6 years so it is well outside the statute of limitations. ...
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| Time period after filing a response to a civil suit summons | 8/12/2008 |
Q: I filed response to a civil suit summons about a month ago and I have not received anything from the ... A: I can't answer that. Maybe the clerk of the court could give you some kind of answer. So what was ...
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| received non jury roster | 8/12/2008 |
Q: i live in the state of south carolina. i received a non jury roster for a collection from the year ... A: Then you must respond to the complaint or they will get a default judgment. Can you prove when you ...
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| judgements | 8/12/2008 |
Q: Credit card company recently froze 2 of my checking accounts and a savings account which was not ... A: You may have little choice since you didn't do the proper things back then. If you can tell me ...
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| Judgement on Civil Case | 8/11/2008 |
Q: I owed a debt and missed a court date. When I tried to straighten it out, they told me the judgement ... A: Don't worry about the car. It is safe in your step dad's name. The only thing you really have to ...
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| How do i find out how much i really owe the bank? | 8/11/2008 |
Q: Mr Creditwrench, I called BOA to find out how much I really owe they said it was charged off and ... A: You will probably never find out how much you really owed the bank. The truth is that they sold the ...
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| colections | 8/11/2008 |
Q: My fiance' and I recently had a baby and we have some left over med bills....they are not outrageous ... A: No, You have to make better arrangements that they will accept. Call them up and see what the ...
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| judgement | 8/11/2008 |
Q: I just received a summons I am being sued by a credit card company I know if I don't answer this ... A: Basically speaking they can't do a thing to you except hurt your credit even more than it already ...
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| Civil Court Debt Collection/Ohio Law Firm | 8/11/2008 |
Q: In 2005 we helped family members residing in Pass Christian Ms financially related to Hurricane ... A: While I do have several blogs a better way is for you to join in on our Friday night conference call ...
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| Civil Court Debt Collection/Ohio Law Firm | 8/10/2008 |
Q: In 2005 we helped family members residing in Pass Christian Ms financially related to Hurricane ... A: What you seem to fail to understand is that there is only one question before the court and that is ...
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| Being Sued by Capital One | 8/10/2008 |
Q: I received a Summons and Complaint Aug. 1, 2008. I live in Michigan I am being sued by Capital One ... A: If you file an answer and take your chances with the judge the outcome is a foregone conclusion. ...
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| Civil Court Debt Collection/Ohio Law Firm | 8/9/2008 |
Q: In 2005 we helped family members residing in Pass Christian Ms financially related to Hurricane ... A: First of all, your request to dismiss based on violation of FDCPA is going to get denied. FDCPA ...
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| auto repossession | 8/8/2008 |
Q: Our auto was repossessed and sold at auction. The finance company lists the debt as charge off on ... A: If they have not done anything wrong in their collection efforts then you might want to see to it ...
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| Being Sued by Capital One | 8/7/2008 |
Q: I received a Summons and Complaint Aug. 1, 2008. I live in Michigan I am being sued by Capital One ... A: I probably got it but to know for sure let me ask you a question which will help me identify your ...
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| Judgement on Civil Case | 8/7/2008 |
Q: I owed a debt and missed a court date. When I tried to straighten it out, they told me the judgement ... A: Forget the appeal. That is a waste of time and money. You are a single mom so what do you do for ...
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| summons | 8/7/2008 |
Q: My daughter just got a summons to appear in court because of a credit card debt that she has not ... A: Michigan is not a community property state. What can the credit card company do next? That may ...
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| Debt Collection and the Army | 8/7/2008 |
Q: I am a Army National Guard soldier and do to my wife loosing her job and a decrease in my income I ... A: I don't know about military law or regulations so can't answer much about that but I tend to doubt ...
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| auto repossession | 8/7/2008 |
Q: Our auto was repossessed and sold at auction. The finance company lists the debt as charge off on ... A: Can they put a lien on your home? Yes, they can do that. You cannot afford to pay the debt? Don't ...
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| Civil Summons for credit card | 8/7/2008 |
Q: I have just been served a civil summons for a debt that they say I owe, I know the amount is no ... A: I can't possibly answer your question with no more information than you have given me. Among the ...
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| arbitration/registration of award | 8/6/2008 |
Q: I signed an agreement with a well known law firm in CA to negotiate my debts. MBNA took me to ... A: There are several things I need to know in order to help you. 1. What state do you live in? 2. ...
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| Signing a Consent Judgment | 8/6/2008 |
Q: (Arising from lawsuit after an accident where my ins. had lapsed)After a long fight with insurance ... A: Absolutely do not sign any kind of stipulated agreement or judgment of any kind. Those things are a ...
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| Collections | 8/6/2008 |
Q: I have a loan that was a joint account that defaulted during a seperation. The vahicle was ... A: Expect a lawsuit. You should start now to learn how to fight lawsuits without a lawyer. It really ...
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| Summons for Credit Card Debt | 8/5/2008 |
Q: I received a Summons on 7/31/08 to pay debt that I owe to US Bank. I am in the process of filing ... A: I'd say you should ignore that lawyer and file a response to the summons. I'd also send a validation ...
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| How to answer a civil summons? | 8/5/2008 |
Q: I just want to know how to answer a civil summons I received this past Saturday 8/2/08. It is from ... A: How to answer a civil summons? That's what I teach my creditwrench students. However there is a link ...
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| Being Sued by Capital One | 8/5/2008 |
Q: I received a Summons and Complaint Aug. 1, 2008. I live in Michigan I am being sued by Capital One ... A: Well, the first thing I need to know is when you made your last payment to the creditor and on ...
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| Prior to a Civil Judgement... Ohio | 8/4/2008 |
Q: I received a summons for a civil action. This is regard to money owed to a credit card company. I ... A: Yes, you can do that. The worst they could do is to file an action to have the sale or transfer ...
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| Texas: Debt Collection Law Suit & Statute of Limitations | 8/3/2008 |
Q: I live in Texas. I have an outstanding debt for collection of an unpaid balance on a car loan. The ... A: The thing for you to do is go to the county clerk's office and ask to see your public record. They ...
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| Car Repossesion | 8/3/2008 |
Q: I voluntarily turned in my car at the dealership. While in their possession the car was in an ... A: The fact of the vehicle having been in an accident would not make a difference on the total amount ...
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| Texas: Debt Collection Law Suit & Statute of Limitations | 8/3/2008 |
Q: I live in Texas. I have an outstanding debt for collection of an unpaid balance on a car loan. The ... A: My questions are: 1. Am I correct in my interpretation of the SoL on the start date of the SoL? I ...
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| Collection fee for a medical claim paid late | 8/2/2008 |
Q: . My name is Dainy, and this is my quest. I recvd a bill from a collection agency for over $1000.00. ... A: That is just a small portion of what you learn when you become a credit wrench student but you can ...
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| out of state judgement | 8/2/2008 |
Q: I was on the verge of Bankruptcy 5 years ago, but have worked out of it. At the end of February, ... A: They will garnish your wages and maybe take property but that depends on the laws of whatever state ...
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| Collection fee for a medical claim paid late | 8/1/2008 |
Q: . My name is Dainy, and this is my quest. I recvd a bill from a collection agency for over $1000.00. ... A: You can get hung for those collection fees so you need to learn how to fight back. The reason you ...
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| Sued, Liened, and Maxed Out | 8/1/2008 |
Q: I just settled with IRS who is taking all of my disposable income every month (theres *barely* ... A: I'd let them sue me. I know you are very frightened by what might happen if they get a judgment and ...
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| collections agency | 8/1/2008 |
Q: I received a letter from a collection agency in regards to a sears card over 10 years ago. This ... A: Well then not to worry. First thing to do is send them a validation/dispute letter. Second thing to ...
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| out of state judgement | 8/1/2008 |
Q: I was on the verge of Bankruptcy 5 years ago, but have worked out of it. At the end of February, ... A: Now then, the next question is how can you prove that it was outside of statute of limitations for ...
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| Midland Credit management | 7/31/2008 |
Q: I received a formal letter from these guys saying that I owe Citibank 750.00. The kicker is, this ... A: There are several lines of defense to this type of situation. The first is to be able to prove that ...
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| Do I just Default? | 7/31/2008 |
Q: 30 K to Chase. Divorced 2 years ago and had about 15 k outstanding after I absorbed all the debt in ... A: When it comes to debt related problems lawyers are most often a waste of money if you can even find ...
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| sued for credit debt | 7/31/2008 |
Q: I'M being sued for credit card debt that has done went off my credit report but the statue of ... A: The answers to this kind of problem are almost always the same. You are being sued so you must ...
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| Help! I'm being sued over unpaid medical bills | 7/31/2008 |
Q: I received court papers last night stating that I am being sued over unpaid medical bills. I had ... A: First of all send a demand for validation to the attorney certified mail return receipt requested. ...
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| Collection Call | 7/30/2008 |
Q: I am very upset, I just received a call at my work. It was from someone who claimed to be an ... A: Will you be OK? I suppose that depends on what you call "OK" and you didn't give me any specifics ...
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| Old Debt and Pending Lawsuit | 7/30/2008 |
Q: Back in 1999, I opened a Clout Visa. I made some poor credit decisions and then fell behind on my ... A: Yes. Read http://www.creditwrench.com/default.html and the links below and you will know exactly ...
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| Suit by AMEX | 7/30/2008 |
Q: I recently received the citation from the Dallas County Court regarding a case with AMEX. ... A: You already agreed to arbitration (mediation) and spent $450 to shoot yourself in the foot? That's ...
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| Deficiency on volunteer surrender | 7/30/2008 |
Q: About 6 months ago, after much soul searching and budget making attempts, we did a voluntary ... A: You are asking me a range of questions but I can't tell you a thing about the insurance stuff. I can ...
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| received summons | 7/30/2008 |
Q: About 3 years ago I lost about $400 in income. I tried negotiating with my 3 credit card bills and ... A: It might but I have my doubts about that. Don't think that would cause a judge to dismiss the case ...
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| received summons | 7/29/2008 |
Q: About 3 years ago I lost about $400 in income. I tried negotiating with my 3 credit card bills and ... A: Obviously you will have to respond to the plaintiff's complaint or they will get a default judgment. ...
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| no client at pretrial | 7/29/2008 |
Q: I had my pretrial with midland funding today. in the pretrial notice "attorneys are required to ... A: I have no idea when they might refile it again or if they even will. One thing you want to remember ...
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| Amex GC Services | 7/29/2008 |
Q: One of my Amex accounts was recently (7-28-08) turned over to GC Services. I had been trying to work ... A: You want real debt relief? What do you think a debt relief company might be able to do for you? I ...
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| judgment filed against me | 7/29/2008 |
Q: A judgement was filed against me, they have the wrong person. it was filed in 2005. This is 2008. I ... A: The lawyer is probably telling you the truth. On the other hand telling you that if the judge does ...
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| Car reposession | 7/29/2008 |
Q: My car was reposessed yesterday. What true rights do I have in this situation. They took it in the ... A: None of those are violations of law if you live in what is known as a "self help" state such as ...
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| automobile loan default | 7/29/2008 |
Q: I live in Californai and my auto loan defaulted 4 years back and the bank decided against ... A: Well, if I were in that circumstance I just might stop and think about what would happen if I were ...
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| Haunting Debt | 7/28/2008 |
Q: I applied for a credit card with state farm bank in 2003. They had asked me did I want to let anyone ... A: First thing you need to learn is what FDCPA will let you demand of them. I don't think you can find ...
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| Verbal Agreement | 7/28/2008 |
Q: 4 years ago I had my soon to be brother-in-law purchase two properties. I told him that I would only ... A: Problem is that this is not the type of debt that falls under consumer law. Since I'm not a lawyer I ...
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| Car reposession | 7/28/2008 |
Q: My car was reposessed yesterday. What true rights do I have in this situation. They took it in the ... A: Do you have the money? Do you want the car back? Quite frankly if I were to get a car repoed I'd ...
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| notice of hearing on claim exemption | 7/27/2008 |
Q: I have a large judgment against me from a credit card debt; recently my checking account was ... A: I can't offer you much in the way of advice on that type of situation except to say that you must ...
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| Arbitration Hearing Please Help! | 7/27/2008 |
Q: I am being sued over a Providian credit card that was sold to Calvary Portfolio Services in ... A: annette, I'm truly sorry that you felt that my answers to your questions were not helpful. Let's see ...
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| getting proof of payment | 7/27/2008 |
Q: I went to court on a debt collection in Sept of 07. During the Pre-Trial conference, the attorney ... A: I'd simply demand a payoff balance as of the date of the letter. Send that certified and if they ...
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| Case was Dismiss with prejudice | 7/26/2008 |
Q: In Dec. 2007 I win a debt collection case in Maricopa County Justice Court, Phoenix, Arizona. ... A: 1.I have no significant knowledge of this account, therefore I’m disputing it. Please validation ...
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| Case was Dismiss with prejudice | 7/26/2008 |
Q: In Dec. 2007 I win a debt collection case in Maricopa County Justice Court, Phoenix, Arizona. ... A: While the case in Maricopa county may have been dismissed with prejudice that has no bearing on ...
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| NCO Financial Services | 7/26/2008 |
Q: I currently have a Capital One account that is charged off and was sent to NCO. I called to see what ... A: Of course not. They can do what they say they will do. Best you start learning how to defend against ...
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| legal papers | 7/26/2008 |
Q: do i have to accept court papers when a sheriff brings them to my home A: No, you don't have to accept them but it won't make any difference whether you accept them or not. ...
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| car repo and court | 7/25/2008 |
Q: My husband (who is on social security) and I voluntarily gave up our minivan in May of 2007. I(not ... A: What state do you live in? Where does it say you can go to jail if you don't show up? Don't sound ...
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| debt management | 7/25/2008 |
Q: I am presently in a debt management program. I redently was sent a civil action notice in regards to ... A: The fact of the debt management program and your participation in such scams won't make a lick of ...
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| judgement after statue of limitations had expired | 7/25/2008 |
Q: I recently learned of a judgement against my husband, when we checked his credit report. This was ... A: Sounds to me like you have quite an injustice to deal with here. These kinds of things can be ...
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| credit card debt | 7/25/2008 |
Q: I'm being sued by a creditor. I gave an Answer. A few days later I sent a validation letter via ... A: Seems to me that the debt has to be outside the statute of limitations. You need to respond to the ...
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| Collector sues my daughter for a medical bill | 7/25/2008 |
Q: My daughter got served with court papers by a collector, to pay an old medical bill from a hospital. ... A: What are her rights? In a way that depends on whose ox is getting gored. As far as the debt ...
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| Confused in CA about garnished wages | 7/24/2008 |
Q: I just received a garnishment letter from my employer. They forward to me only parts of the ... A: You will probably have to get a court order for any kind of exemption and that isn't going to get ...
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| Cambece Law Firm collections | 7/24/2008 |
Q: My husband of 11 days has been making monthly payments to the Cambece Law Firm for several years now ... A: Cambece Law Firm ranks high on anyone's list of the worst collection agencies. They can do any one ...
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| Garnish my paycheck?! | 7/24/2008 |
Q: I had a Ballys Contract back in 2004 that i stopped going to and eventually stopped paying. I ... A: Can he garnish your paychecks? He can if he gets a judgment first then gets a garnishment order. ...
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| debt collection - I will put it in a outline form | 7/24/2008 |
Q: 1. I was receiving letters from Worldwide Asset Management and never answer a one of the letters. 2. ... A: The amount you can sue for depends on many factors. Far too many to even begin to estimate. I have ...
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| no client at pretrial | 7/23/2008 |
Q: I had my pretrial with midland funding today. in the pretrial notice "attorneys are required to ... A: What should you do now? Looks like you are doing fairly well on your own so far. That's great. I ...
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| collections on medical bill | 7/23/2008 |
Q: My fiance and I clean for two very dear friends of ours, Martha and Arnold. They are on a fixed ... A: They really don't have much to worry about. Their ss checks cannot be garnished for any reason by ...
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| Debt collection practices | 7/23/2008 |
Q: I was unemployed between August 2006 and August 2007 and as a result defaullted on a number of debts ... A: You have no recourse at all so long as you are trying to cooperate with them. They take your good ...
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| forecloser | 7/23/2008 |
Q: I cannot pay for my house and bank is foreclosing. If the bank sells the house and it leaves a ... A: You can be liable for the balance but they usually don't bother trying to collect it. If they did ...
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| Confused in CA about garnished wages | 7/22/2008 |
Q: I just received a garnishment letter from my employer. They forward to me only parts of the ... A: Legal aid isn't going to help you. You say you would have been more proactive if you had been the ...
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| debt collection - I will put it in a outline form | 7/22/2008 |
Q: 1. I was receiving letters from Worldwide Asset Management and never answer a one of the letters. 2. ... A: You may not agree with what I would do but every time they called I would simply tell them that I ...
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| Debt Collecctions lawsuit | 7/22/2008 |
Q: My Daughter is being sued by to collect a debt she doesn't even believe is hers. She has requested ... A: Well, first thing I look for is the statement that those emails come from a debt collector and I see ...
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| Citibank Lawsuit | 7/22/2008 |
Q: I got behind with Citibank last year due to illness. Naturally they wouldn’t work with me and I gave ... A: First of all, I've just started a new egroup on Google. I'm going to post all the questions and ...
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| one month behind | 7/22/2008 |
Q: I have been financing my wife real estate business for 2.5 years hoping she could pay back, ... A: Your plans sound very rational and well laid. Looks like you have it all figured out as to what is ...
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| Unable to pay unsecured debts | 7/22/2008 |
Q: I work and make a decent income and my wife is at our home with our 3 children. We've been ... A: If you can't make it you can't make it. Don't do that which is impossible for you to do. The present ...
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| Collections Law | 7/21/2008 |
Q: I understand that I will receive a 1099-C for the amount of debt discharged by a credit card ... A: Well, I'm not a tax expert by any stretch of the imagination but I do know a little about this to ...
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| COLLECTION AGENCY | 7/21/2008 |
Q: I HAD A BILL FROM 10 YEARS AGO IT HAS BEEN TAKEN OFF MY CREDIT REPORT BUT IT STILL KEEPS GETTING ... A: I keep getting this same question over and over again. The answer is always the same. The only way ...
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| Summons by First Resolution Investment to appear in Court | 7/21/2008 |
Q: I am being summoned to appear at the Superior Court of California, Riverside County for a credit ... A: If I were in your situation I think I would respond with a graduated denial, then follow that with ...
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| Lawyer demanding high payments | 7/21/2008 |
Q: I hired a lawyer (or should I say, he hired himself, since he was a friend of the family) for a ... A: With friends like that who needs enemies? (LOL) Can they force you to pay them based on an oral ...
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| no client at pretrial | 7/21/2008 |
Q: I had my pretrial with midland funding today. in the pretrial notice "attorneys are required to ... A: Motion not granted? That's not surprising. That wasn't a valid reason to dismiss. I think you would ...
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| collections agency | 7/21/2008 |
Q: I have a Dr. bill I am paying on. I received a call from the Collection agency that has it. She ... A: Will they turn this over to an attorney? I can't answer what they will do. Only they know the answer ...
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| Citibank Lawsuit | 7/21/2008 |
Q: I got behind with Citibank last year due to illness. Naturally they wouldn’t work with me and I gave ... A: I'm sure you have read such articles as you describe. Such theories sound really great. Theories ...
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| Credit Card Debt | 7/21/2008 |
Q: I am not sure if this is the right place for this concern but I'll try anyhow. I am currently a ... A: What do I recommend that you do at this point? Just what you do each school day. Study and learn. ...
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| paying debtor instead of collection agency | 7/20/2008 |
Q: I received a bill from a doctor 6 months after treatment. While I was researching the validity of ... A: First of all the doctor is not the debtor. You are. The doctor is your creditor and the collection ...
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| Lawyer filed suit but never served me. | 7/20/2008 |
Q: A local attorney filed suit for Accept Acceptence but I was never presented a served notice. I dont ... A: You need to actually race down to the courthouse and ask to see the case file then ask for court ...
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| WRITE OFF'S | 7/20/2008 |
Q: IF AN ACCOUNT HAS BEEN WRITTEN OFF AND 9 YEARS LATER A COLLECTION AGENCY CALLS YOU ASKING FOR THE ... A: Sorry if I didn't answer all your questions or didn't answer them with sufficient clarity. Can ...
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| Calvary Portfolio Services, LLC | 7/20/2008 |
Q: i am new to this site and i have reviewed some of the questions & answers. I like the responses to ... A: They are not wasting your time nor the court's time if you don't respond to the summons and ...
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| Multiple agency's. after me I dont know what to do. | 7/20/2008 |
Q: I defaulted 3 years ago when my company was going under. I defaulted on 3 cards in late 2005 ... A: Yes, I go through all of that in one of the links above and yes, I realize that there is a mountain ...
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| Late ex-wifes debts | 7/19/2008 |
Q: My wife and I separated in June of 2001 and were divorced in October 2003. Before she moved out we ... A: They have to sue you in the county in which you live. If you get sued for a consumer debt in any ...
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| judgement | 7/19/2008 |
Q: I have an old debt which I think the statute of limitations may have run out but I didn't know about ... A: I can't really answer your questions here because they take personal investigation by you. The only ...
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| WRITE OFF'S | 7/19/2008 |
Q: IF AN ACCOUNT HAS BEEN WRITTEN OFF AND 9 YEARS LATER A COLLECTION AGENCY CALLS YOU ASKING FOR THE ... A: No. Bill Bauer 405-684-9297 405-227-9423 Make money using this search engine instead of Google, ...
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| Credit card Fraud | 7/18/2008 |
Q: My sister got credit cards in my name without me knowing about it back in 2001 and up until 2006 i ... A: Im sure you don't want your sister going to jail over this. I'm sure that would cause a terrible ...
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| Collections and cease and desist letters | 7/18/2008 |
Q: I was contacted by Hyat, Hayt, & Landau in regards to a matter they acquired thru Asset Acceptance. ... A: The only way you will get any relief is to sue them in federal court. You seemingly have lots of ...
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| collections | 7/18/2008 |
Q: my name is Keonna and while I was in college I stopped paying my credit cards. This collection ... A: Yes it can and probably will happen sooner or later. You say that you are afraid that they still ...
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| collection summons. | 7/18/2008 |
Q: I recently got handed a summons paper today. I really don't know what to do as i have no experience ... A: You have been served with a summons and complaint. Now it has suddenly become much more serious than ...
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| Breach of contract | 7/17/2008 |
Q: Totaled car with no insurance 1997; owed $6400 on loan, lost job with no ability to pay. This week ... A: call me and I will go through the questionaire and help you give the best answers possible without ...
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| judgement | 7/17/2008 |
Q: I have an old debt which I think the statute of limitations may have run out but I didn't know about ... A: No, you have to plead a statute of limitations defense at the hearing. You have to prepare it in ...
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| Payday Loans | 7/16/2008 |
Q: I am in trouble with too much payday loan debt. As of now I am current on everything, ... A: They can't get to your disability or pension checks. Don't close any bank accounts and keep just a ...
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| debt elimination | 7/16/2008 |
Q: I've heard that there is a company in Alabama called Court Mediation Services, which claims to be ... A: Give me a call and I'll show you how to do it the right way and it will cost you less than $1000.00 ...
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| judgment | 7/16/2008 |
Q: A judgment was filed against me in 2002. I recently ordered a copy of my credit report and ... A: He sure can if you don't stand up and fight. For instance, you say the judgment was filed against ...
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| debt elimination | 7/16/2008 |
Q: I've heard that there is a company in Alabama called Court Mediation Services, which claims to be ... A: No, I don't know anything about them other than the fact that they are in Phoenix City, Alabama. ...
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| Foreclosure after chapter 7 discharge, mortgage included | 7/16/2008 |
Q: I filed for chapter 7 in December of 2005, discharge was in Feb, 2006 which included my home ... A: Just a formality? I'll believe that when I see pigs flying by flapping their ears. Yes, they will ...
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| Chase Attorney's | 7/16/2008 |
Q: I have an old Chase Credit Card from back in college that paid for my final semester. When I ... A: Desperate and stressed? Why not learn how to fight back and give them more grief than they are ...
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| Agreement violation | 7/16/2008 |
Q: I was sued and I lost and I entered into a written payment agreement. I made my first payment and ... A: So keep the copies you have so you don't run out and send them a set. Can you file any papers with ...
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| Garnish Wages | 7/16/2008 |
Q: I have just got a notice from my work that my wages will be garnished by a co Hyat Hyat Landau and i ... A: The question(s) are how did it happen that you got a judgment against you and you didn't even get a ...
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| Agreement violation | 7/16/2008 |
Q: I was sued and I lost and I entered into a written payment agreement. I made my first payment and ... A: You should have a copy of the money order before you sent it. If I send a money order or a check to ...
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| Charged-Off Accounts and Debt Reporting | 7/15/2008 |
Q: I live in California. I have several marks on my credit from agencies that purchased my debt from ... A: Depends on which statute of limitations you are asking about but it appears that you are asking ...
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| Debt collectors & credit reporting | 7/15/2008 |
Q: My stepson (Dyllan)was buying a vehicle when he was told he had a debt in collection. He had never ... A: You should be keeping a careful written history of all that has transpired so you can sue them in ...
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| letter from a law office | 7/15/2008 |
Q: Just asking if a law office sent me an e-mail if the law office has to be in the same state to take ... A: Do they have to be in the same state? No, not to send you an email. They don't have to be in the ...
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| Wage and Bank Account Garnishments | 7/15/2008 |
Q: My wages and bank accounts have been garnished. What can I do to try to get these removed in ... A: Normally speaking it is not possible to get garnishments removed in any state. You owe the debt and ...
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| Civil Summons | 7/14/2008 |
Q: My dad has been served with a civil summons. He does not speak the language very well so I must ... A: All I can say is that if he has been served with a summons he must go to court and argue the case. ...
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| debt collection third party | 7/14/2008 |
Q: i have recieved a phone call today from spellman and roman stating i had until 11:00 am today to ... A: Now you knnow why I always recommend that people get themselves a good digital voice recorder and ...
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| debt collection third party | 7/14/2008 |
Q: i have recieved a phone call today from spellman and roman stating i had until 11:00 am today to ... A: Why do you want to pay them when you can easily make them pay you instead? You were abused by them ...
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| debt collection third party | 7/14/2008 |
Q: i have recieved a phone call today from spellman and roman stating i had until 11:00 am today to ... A: Yes, it is illegal to threaten to do that which they know cannot be done. Payday loan companies ...
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| Agency harassment | 7/14/2008 |
Q: I paid off my Capital One credit card at least six months ago. After receiving the payment, they ... A: The first thing is to get rid of the calls either by sending them a certified mail return receipt ...
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| Court Summons from Debt Collector | 7/14/2008 |
Q: "On Friday, I was presented with a Summons demanding that I provide an answer to the complaint ... A: I can't help you with bankruptcy and wouldn't even if I could because bankruptcy is a mess you don't ...
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| medical bill payments | 7/12/2008 |
Q: I owe $300 for a overnight hospital stay last fall. I have been paying $10 a month on this bill ... A: Do whatever you can do. Best if you just pay them and be done with it. Bill Bauer 405-684-9297 ...
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| Payday loans | 7/11/2008 |
Q: I live in Texas. I have too many payday loans and cannot pay them. Some of them required that I ... A: NO. District prosecutors won't take a complaint from a payday loan company because they knew that ...
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| Summons On old dept | 7/11/2008 |
Q: I just received a summons on a old credit card dept from Jan 2002. I looked up Ca is says SOL is 4 ... A: Yes, there is a link in the body of my first reply that goes through that as will as there being ...
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| Civil summons on credit card debt. | 7/10/2008 |
Q: I let this credit card get away from me because I tried to make payments with the credit card ... A: In far too many courts they don't have to prove anything at all to get a judgment. They ask for it ...
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| Civil summons on credit card debt. | 7/10/2008 |
Q: I let this credit card get away from me because I tried to make payments with the credit card ... A: How will you answer the summons? What will you say? How will you prove that the statute of ...
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| collection | 7/10/2008 |
Q: My daughter received a summons to appear in court on 7-29-08 from Midland credit management for ... A: You are going to have to respond to the summons, of course. Both of you need to respond. I'd use a ...
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| Summons On old dept | 7/10/2008 |
Q: I just received a summons on a old credit card dept from Jan 2002. I looked up Ca is says SOL is 4 ... A: If you don't prepare and file a properly written SOL defense they will get the judgment no matter ...
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| Statute of limitations | 7/10/2008 |
Q: What is the statute of limitations on medical debt (open contract?) in the state of Nebraska? ... A: Check out the link below that says Statute of limitations for all states" Bill Bauer 405-684-9297 ...
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| 2 accounts - same CA | 7/10/2008 |
Q: I'm in a predicament. Not intentionally... but I'm there and need some help getting myself out the ... A: You are asking me to speculate on what the outcomes might be and unfortunately I can't do that. I ...
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| 2 accounts - same CA | 7/9/2008 |
Q: I'm in a predicament. Not intentionally... but I'm there and need some help getting myself out the ... A: The first thing I would do is go directly to the tax collector's office and try to pay them directly ...
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| Sued by credit card company | 7/8/2008 |
Q: I received papers from a constable for a lawsuit from a credit card company. The plaintiff is the ... A: So you got served with a summons? I've answered this same question so many times that it is ...
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| received entry of default due unpaid credit cards | 7/8/2008 |
Q: i had bank of america credit cards about 3yrs ago, from losing job, single mom and medical bills. ... A: You should not file for bankruptcy because it is expensive and it also wrecks your credit. Although ...
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| Civil Suit from Collection agency Chase Credit Card | 7/8/2008 |
Q: I was served court papers from a collection agency that is suing me for an old Chase Credit card I ... A: You must be making about $3000 a month in order for them to take $750 of it via garnishment. Quite ...
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| Apartment debt nightmare | 7/8/2008 |
Q: My husband never paid our last month's rent in March 2006 (GA) due to loss of job (we notified the ... A: You need to learn about your rights under the law and how to defend them. Once a third party debt ...
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| Collection Law | 7/8/2008 |
Q: I received routine medical care from a physician that accepted my insurance reimbursements as full ... A: Yes, you do have recourse and it lies in the Fair Debt Collection Practices Act. Your first step ...
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| Dead breat spouse debt | 7/7/2008 |
Q: My spouse decided to move out and leave me and my daughter in May of 2007. Until divorce papers are ... A: OK then that is good for you. What you need to do is to send a demand for validation and dispute of ...
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| NAF Award | 7/7/2008 |
Q: NAF (Nat'l. Arbitration Forum) has awarded BofA debt award. How do I counter? A: You can't counter until they try to take it to your local court and attempt to reduce it to a ...
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| Debt collection threats | 7/7/2008 |
Q: I am working with a lady at church who got a small pay day loan of 280. Today they called and said ... A: I've called you and left you a voice message. Bill Bauer 405-684-9297 405-227-9423 RECOMMENDED ...
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| Dead breat spouse debt | 7/7/2008 |
Q: My spouse decided to move out and leave me and my daughter in May of 2007. Until divorce papers are ... A: Whether or not you both owe the debt can depend on whether or not you live in a community property ...
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| Lawsuit Midland Collection | 7/7/2008 |
Q: I have received an "Answer to Complaint" notice for a credit card debt that has been sold to ... A: Yes, I may be able to help you. I'm not an attorney and I can't give you legal advice but I can show ...
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| Being Sued | 7/6/2008 |
Q: I was very recently served via mail with a summons to Kings County court (Brooklyn, NY) for ... A: Sounds to me like you may have goofed up royally. Here is why I say that. You say you are going ...
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| help with bank of america | 7/6/2008 |
Q: I have used this site in the past and my situation is bringing me for this thing that has arose in ... A: What is your first step? Quit worrying about that which you can do nothing about. Forget about ...
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| Indiana Debt Collection Statute of Limitation | 7/6/2008 |
Q: I cannot find the paperwork stating I paid off a debt to a local community college and have recently ... A: Yes. Please refer to my link for statute of limitations below. Bill Bauer 405-684-9297 405-227-9423 ...
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| Judgment against my wife and I before we got married | 7/5/2008 |
Q: 11 years ago I had an emergency appendectomy. I was engaged at the time. My wife does our finances ... A: Maybe, maybe not. The better argument is to file a lawsuit against the debt collector lawyer for ...
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| being sued by credit card co | 7/4/2008 |
Q: I am in the midst of a lawsuit by NCO for a credit card debt. I stopped making payments in 2004 when ... A: You really cannot the opinions of WhyChat or any other guru including myself or that of any lawyer ...
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| Received Summons, but no complaint.... | 7/4/2008 |
Q: I moved on the first of the year and recently received a district court summons via US mail ... A: Get around giving your new address to the atty and defendant? First of all you are the defendant. ...
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| being sued by credit card co | 7/4/2008 |
Q: I am in the midst of a lawsuit by NCO for a credit card debt. I stopped making payments in 2004 when ... A: I didn't notice tha you live in CO and mistakenly believe that the statute of limitations for credit ...
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| sued for 10-year-old debt of $200 | 7/3/2008 |
Q: My daughter received notification that she is being sued by a Pennsylvania bank for a 10-year-old ... A: Yes, they can. What she needs to do is file a response to the court. This can be a motion to ...
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| Plaintiff sending me Interrogatories,production,and admissions | 7/3/2008 |
Q: LVNV Funding LLC is sueing me useing a laywer in my state of Maine. I sent the court and plaintiff ... A: What do you mean by you don't have 30 days to answer? Of course you do. But the question of much ...
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| Returning Reported Item | 7/3/2008 |
Q: I have a charged off credit card debt that finally became too old to report in August of 2007 and ... A: They can buy the old debt and they can report it to the credit bureaus but if they do then they have ...
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| fradulent debt - eskanos and adler threatening to sue | 7/1/2008 |
Q: I have experienced frauduelent debt from an ex spouse using my identity in the past. While we were ... A: California Stat is 4 years. So you should be begging them to sue you so you can file an out of stat ...
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| Being Sued | 7/1/2008 |
Q: I was very recently served via mail with a summons to Kings County court (Brooklyn, NY) for ... A: The first thing to do is to see who is the plaintiff. Who is it that has filed the suit. Maybe then ...
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| how to respond to a summons | 6/30/2008 |
Q: I received a summons from Midland Funding for a Providian credit card that I do not believe that I ... A: Why present a weak argument like that when you have a statute of limitations defense at your ...
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| Collection laws | 6/30/2008 |
Q: I have a chase visa, for years. I always try to pay at least the minimum. They raised the interest ... A: Don't worry about bothering me. Exactly what was the message that was left on the answering machine? ...
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| Collection laws | 6/30/2008 |
Q: I have a chase visa, for years. I always try to pay at least the minimum. They raised the interest ... A: Your father's sworn statement and the phone record of when they called should be enough to get the ...
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| Debt collections | 6/30/2008 |
Q: I have been making payments for about 3 years to a clinic that did a surgery for me. I was set up ... A: They can turn you over to a debt collector any time they want to. Some medical facilities turn ...
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| Being sued by Discover (second question) | 6/29/2008 |
Q: In your response to me you said "You also have the right to do all you can to avoid them forcing you ... A: You ask what can you do to avoid going to court. Why do you want to avoid going to court? What is so ...
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| Sued by Discover | 6/29/2008 |
Q: My husband received a letter from a lawyer saying that Discover was suing us and getting a court ... A: You have absolutely no legal obligation to tell them anything until such time as they have a ...
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| Wrongful Collection | 6/28/2008 |
Q: I have been dealing with creditors trying to get in contact with my mother to collect her debts for ... A: I have the perfect answer to your type of problem but in order to use it effectively you need to ...
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| how to respond to a summons | 6/27/2008 |
Q: I received a summons from Midland Funding for a Providian credit card that I do not believe that I ... A: Statute of limitations on credit card debt is 6 years according to Bankrate.com. They are probably ...
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| how to respond to a summons | 6/27/2008 |
Q: I received a summons from Midland Funding for a Providian credit card that I do not believe that I ... A: The first question has to be what state you live in. Even though you may have included it in BK ...
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| Oklahoma credit card statute of limitations | 6/27/2008 |
Q: Everything seems to say the SOL in OK is 3 years for credit cards. I see the court calls credit ... A: I can see that you are a pretty good researcher and have covered just about all the bases except one ...
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| Too late to ask for a debt validation?? | 6/27/2008 |
Q: I have been pestered by a collection agency for a debt I believe is beyond the statute of ... A: You are in deep trouble for many reasons. First of all you live in Mass and that is a very bad state ...
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| levy on partnership account | 6/27/2008 |
Q: Can a judgment creditor levy funds in a partnership account for a debit incurred years prior by one ... A: Your question is actually a two part question. One part deals with business law and the other deals ...
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| payday loan collection | 6/26/2008 |
Q: I just rec'd a call from Brian Wilson--from Financial Crime Dept indicating that they were going to ... A: LOL! No, of course not. Bill Bauer 405-684-9297 405-227-9423 RECOMMENDED READING: ...
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| service of process/motion for discovery | 6/25/2008 |
Q: I'm currently preparing my answer to a complaint served 5/27. I filed and was granted an extension ... A: One does not file a motion for discovery. Your interrogatories, admissions and demand for production ...
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| Oklahoma credit card statute of limitations | 6/25/2008 |
Q: Everything seems to say the SOL in OK is 3 years for credit cards. I see the court calls credit ... A: The statute that governs is 12 OS 95 Subsection 1. It just so happens that I have at least two cases ...
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| Collectors calling work | 6/25/2008 |
Q: Nationwide Credit keeps calling my husbands job about a discover card that has been charged off. ... A: Send them a cease & desist letter stating that they are not to contact him at work since it is ...
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| Garnishment | 6/25/2008 |
Q: How much can be garnished each month from my payroll check? My employer received a summons a ... A: Up to 25& of your check but the must leave you at least $150 a week. Actually $150 is sort of a ...
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| Payday loans | 6/25/2008 |
Q: I have a payday loan that I couldn't pay and I stopped payment on the check, they called and ... A: Police are not going to take a complaint like that from a payday loan company. They knew the check ...
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| Help with lawsuit | 6/25/2008 |
Q: I am being sued by Midland credit for an old FCNB account. Last payment I made was last year to ... A: Your answer saying you have never done business with them was certainly not the best answer you ...
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| Collection from apartment | 6/24/2008 |
Q: Basically, our former apartment management says that we did not give proper 30 days notice. My ... A: Don't even think of letting them know anything, much less that you "mean business". Let them learn ...
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| Spouse's Emergency Medical Debt | 6/23/2008 |
Q: In the spring of 2007, before we were married, my wife had to have an emergency hysterectomy. Life ... A: The first thing that you should be aware of is that no government pension can be garnished by ...
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| Rcvd Summons from Cap1 atty for | 6/23/2008 |
Q: The summons contains my first name spelt wrong and I cannot recall getting a notice from any ... A: First of all, never educate the other guy. If he spelled your name wrong then respond to the summons ...
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| Debt collectors calling workplace for co-worker | 6/23/2008 |
| Q: .. I work at the switchboard for an office of about 15 people. I have a co-wo |