| Subject | Date Asked |
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| Capital One | 11/17/2009 |
Q: I have gotten several letters from lawyers telling me I am being sued by Capital One, yet I have not ...
A: What you're receiving is the equivalent to ambulance chasers. Bankruptcy attorneys are raiding ...
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| How to deal with a court judgement? | 11/12/2009 |
Q: I JUST FOUND OUT THAT I HAVE A CIVIL COURT JUDGEMENT AGAINST ME THREE YEARS AGO FROM A OLD CREDIT ...
A: If you were NOT PROPERLY SERVED with plaintiff's claim, you have 180 DAYS from the date you ...
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| How to deal with a court judgement? | 11/12/2009 |
Q: I JUST FOUND OUT THAT I HAVE A CIVIL COURT JUDGEMENT AGAINST ME THREE YEARS AGO FROM A OLD CREDIT ...
A: You have a few options. You could file a motion to vacate the judgment for improper service. ...
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| Wage attachment | 11/11/2009 |
Q: I have a judgment for about $3000 against a lady who makes about $300 a week. How much is the ...
A: Honestly probably nothing, the lady may be exempt from garnishment. Check with your state law for ...
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| change dismissal without prdjudice order | 11/11/2009 |
Q: I was served to appear for a cc debt, the plaintiff postponed from June till November for discovery, ...
A: Excellent question. It depends on when the dismissal occurred. Generally, a plaintiff can dismiss ...
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| medical collection laws for deceased | 11/4/2009 |
Q: do we have to have death certificate for deceased patients who has a balance
A: It's advisable to obtain the death certificate. Every state has it’s own laws on probate ...
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| credit card debt summons | 10/28/2009 |
Q: i received a summons to court today for my American express credit card debt which was $6000, from ...
A: We'll send you information that will help you. Please visit OntrackFinancialGroup.com and click ...
|
| charge off debts | 10/27/2009 |
Q: I just returned from a consultation with a bankruptcy attorney. I went through a divorce and had ...
A: From a lenders stand point they would rather you pay a portion of the debt owed than receive ...
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| Collection time period | 10/23/2009 |
Q: Is there a time frame to follow when sending out collection letters? I usually do 3 letters a month ...
A: Generally the length between dunning notices is 30 days. You can fast track and remit the client to ...
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| Collection Agency contact | 10/14/2009 |
Q: Received a Letter dated 9/23/09 requesting $34.25 for release of medical records from 4/26/07. This ...
A: First thing you should do is request validation of this debt. send the agency a certified letter ...
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| Collection Agency Says Mail Being Returned? | 10/1/2009 |
Q: My son was hospitalized for three days back in January, with one of the bills totaling $1,500. We ...
A: Jill, Since you paid the agency and the original creditor you acknowedge the debt exists. A ...
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| Auto loan co-sign | 9/22/2009 |
Q: Here's my situation: My wife purchased a car a couple of years ago. She could not get the credit ...
A: A cosigner is entitled to account information. Contact the loan company and request detailed ...
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| Creditor Interchange a collection agency | 9/17/2009 |
Q: We have recently got help from a company to help get our creditors paid off. But there is one ...
A: It's illegal for the debt collector to harass in such a way. The debt collector can not refer to ...
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| summons | 9/16/2009 |
Q: I live in Minnesota and I was wondering if you are getting sued do they have to give you the summons ...
A: Hent, Thank you for your questions. How do you know it was a process server that called? ...
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| Attorney not responding to debt collector | 9/10/2009 |
Q: So I have a debt with a company from a car accident. I hired an attorney but he has not responded ...
A: If the attorney didn't contact the collection agency within a "reasonable amount of time" the debt ...
|
| 8 year old debt | 8/25/2009 |
Q: I was evicted from an apartment eight years ago with maybe two or three months back rent which was ...
A: The first thing you should be before preparing a motion to vacate is to look up your state's rules ...
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| 8 year old debt | 8/25/2009 |
Q: I was evicted from an apartment eight years ago with maybe two or three months back rent which was ...
A: Gary, You can attempt to vacate the judgment, arrange a settlement, or wait 2 years until the ...
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| foreclosure | 8/17/2009 |
Q: I live in Pennsylvania and my house is about to go into foreclosure. I purchased my house through ...
A: Arleen, The amount of the loan minus the amount the house sold for at auction is the deficient ...
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| foreclosure | 8/15/2009 |
Q: I may be about to lose my home to foreclosure. I have another piece of land in my name that is not ...
A: In order to give you the best answer we need to make sure we have all the facts. Yes you will owe ...
|
| credit report | 8/13/2009 |
Q: In 2006 I had an account that was past due.I rec'd a letter from a collecton agency(Commercial ...
A: There is nothing wrong with the reporting, since it discloses "Account legally paid in full for less ...
|
| Repo | 8/12/2009 |
Q: I bought a suv 8-2-04. It got reposed about a year later. I just found out they are suing me for ...
A: I'm going to refer you to my support staff. They are well qualified to assist you. Please visit ...
|
| Collections & Interest on Old Debt | 8/4/2009 |
Q: I just got a letter today from a collection agency for a phone bill from 2002 while I lived in the ...
A: The debt collection agency can charge interest and fees on the account. Check with Missouri's ...
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| Cohen and Slamowitz threatening lawsuit | 7/16/2009 |
Q: I apologize in advance if this is a long story. I promise to try to make it as brief as possible. ...
A: To answer question number 1 yes do all the above. question # 2 Cohen and Slamowitz will have to ...
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| Cohen and Slamowitz threatening lawsuit | 7/16/2009 |
Q: I apologize in advance if this is a long story. I promise to try to make it as brief as possible. ...
A: Send the debt collector a copy of the Police Report certified mail. Contact all 3 credit bureaus ...
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| Accounts in Collections | 7/15/2009 |
Q: We have acocunts that have been sent to collections that are at least 6 months to a year old or more ...
A: Generally there's a contract between the collection agency and the vendor that outlines performance, ...
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| Medical Bills | 7/14/2009 |
Q: I was told that if I made any type of payment to a provider that they could not send it to ...
A: Unfortunately the information you have is 100% incorrect. A creditor does not have to accept any ...
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| CREDIT CARD SETTLEMENT COMPANIES | 6/25/2009 |
Q: What should you do if you have invested over $3500 in a debt legal settlement company but then they ...
A: As an unsecured creditor you're pretty much at a loss. You can file a claim with the bankruptcy ...
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| civil summons | 6/24/2009 |
Q: Recently my husband has become unemployed, he was self employed in a small business, economy forced ...
A: What you should know about debt defense:
1. If you defend your case, the plaintiff ...
|
| Moms Credit | 6/18/2009 |
Q: My mom lives here with me in Mexico and she has just confessed that she was over her head in Credit ...
A: They may obtain a judgment, seize some assets ( if in the us ), levy bank accounts. ect In ...
|
| Will Credit Card Settlement affect my credit as if I claimed bankruptcy? | 6/17/2009 |
Q: I was a cosigner for my ex fiancé’s lease vehicle because he had bad credit. He stopped making ...
A: Call me at 888-686-6834 ext 8013. It's better if we speak about this over the phone. As I can ...
|
| MCI | 6/16/2009 |
Q: There is negative item on my credit report from MCI. I have no idea what this charge is for. The ...
A: Chances are the debt was purchased, and the agency has charged interest. If the company can not ...
|
| Need help with collections | 6/16/2009 |
Q: I have an account that has gone into collections and is way beyond my means to pay. The collection ...
A: The agency can not take your unemployment, it's exempted form levy or garnishment. The agency can ...
|
| Dentist bill sent to creditors | 6/14/2009 |
Q: November 2008, I had work done on my son's tooth, with insurance. Early May 09 I received a notice ...
A: You can dispute this debt to the collection agency. In return they must supply proof this debt is ...
|
| who should i pay? | 6/13/2009 |
Q: I have a credit card account that i have paid over half off..well i lost my job and then i was ...
A: Pay Universal Fidelity
|
| freeze bank account | 6/12/2009 |
Q: I live in upstate NY & am currently paying monthly on judgement. I recd another judgement which is ...
A: Kady, Thank you for your question. There isn't an exemption form. SDS West should be ...
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| freeze bank account | 6/11/2009 |
Q: I live in upstate NY & am currently paying monthly on judgement. I recd another judgement which is ...
A: Kady, Hello Neighbor, we're in WNY! Thank you for your question. State and federal laws prevent ...
|
| Student Loans | 6/10/2009 |
Q: My spouse incurred student loans many years before we had even met. His salary is garnished at 15% ...
A: Your income is not at risk. However your bank account may be. If you and your husband share an ...
|
| Credit report | 6/9/2009 |
Q: I recieved a loan in 1999, I did not realize that I still owed 42.00 on this until i looked at my ...
A: Clinton, When you paid the loan you re-aged the reporting of the loan. If the company agreed to ...
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| Credit report | 6/5/2009 |
Q: I recieved a loan in 1999, I did not realize that I still owed 42.00 on this until i looked at my ...
A: When you paid the debt you re-aged the account. It will remain on your credit profile unless you ...
|
| Reply to validation of debt letter | 6/4/2009 |
Q: I received a letter from the credit agency that's claiming I owe a debt to them. I sent them a ...
A: 1. Please order a copy of all three credit reports. A creditor may report to one and not the other ...
|
| Reply to validation of debt letter | 6/4/2009 |
Q: I received a letter from the credit agency that's claiming I owe a debt to them. I sent them a ...
A: The documents in your possession satisfy the requirements of debt validation. If your wrongly ...
|
| Dismissal of Chapter 13 Bankruptcy | 6/3/2009 |
Q: I have been in chapter 13 past my five years and I still owe Toyota for a truck. I have been told by ...
A: Unfortunately there is very little that can be done at this point. Listen to your attorney, or try ...
|
| Tax refund to settle debt | 6/2/2009 |
Q: I live in Colorado and am a small time landlord, one unit. I have a judgment against former tenants, ...
A: If in the event the couple didn't make enough money to file their tax documents there is nothing a ...
|
| Credit Card | 6/1/2009 |
Q: I had a SCB card 4 years back and due to a dispute over a few transactions, I did not make the ...
A: 1. The bank can trace you. 2. The bank can place a lien on your assets, levy your bank account, ...
|
| pressler and pressler | 5/28/2009 |
Q: can you please help me with this. I don't know how to answer it. I am fighting with pressler and ...
A: Judith, Read below, if you have additional questions email me at Mike.Moore@ontfg.om 1. If you ...
|
| writ of garnishment in TX | 5/20/2009 |
Q: I have had a judgement for two years and now I want to do a writ of garnishment without a lawyer. I ...
A: The original statement "I have had a judgement for two years and now I want to do a writ of ...
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| writ of garnishment in TX | 5/20/2009 |
Q: I have had a judgement for two years and now I want to do a writ of garnishment without a lawyer. I ...
A: Derrick, Thank you for your question. Generally, there is no wage garnishment in Texas. The ...
|
| "Paid-in-full" Letter Fee | 5/19/2009 |
Q: I decided to start paying my debt. When I spoke with the representative, I asked for a ...
A: Debt collectors are looking for new sources of revenue. Now, they exploited another loop hole. ...
|
| ltd | 5/19/2009 |
Q: I HAVE RECIEVED LETTER FROM THIS COMPANY SAYING IF I DID NOT PAY THIS THEY WOULD NOTIFY THE IRS CAN ...
A: Jessica, Thank you for your question. Is it possible to send us a copy of the letter. Ontrack ...
|
| credit? | 5/11/2009 |
Q: my husband and i are trying to get a loan but he has a judgment on his credit. the judgment is for a ...
A: Before you qualify for the property loan, the judgment must be paid, or vacated. When vacating, ...
|
| summons | 5/6/2009 |
Q: I have been working with (New Life Debt Relief) We have settled 2 accounts in 8 monthes. Now we have ...
A: We need more information to answer your question. Please visit our secure site ...
|
| DEBT AFTER DEATH | 5/6/2009 |
Q: I live in Indiana...My Mother died...leaving no property, no will. She had very little money in the ...
A: We're sorry to hear about your loss. Generally the estate is held responsible. In this matter ...
|
| charged off accounts | 5/3/2009 |
Q: In the last year i have had some financial instability being in the auto industry. I am currently ...
A: Let me clarify what you've read. If a bank charges off a debt you're still liable. The items listed ...
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| debt collection | 5/2/2009 |
Q: My husband's hours were dramatically cut and we had to place our credit cards with a debt ...
A: If you're with a debt settlement company be prepared for a long difficult road ahead. Please email ...
|
| debt collection | 5/2/2009 |
Q: My husband's hours were dramatically cut and we had to place our credit cards with a debt ...
A: Jodi, Thank you for your question. A true debt consolidation company lends money to pay off ...
|
| Request and Writ for Garnishment (Periodic | 5/1/2009 |
Q: Asset Acceptance Corp., of Michigan is trying to garnish my wages for a credit card debt that I ...
A: According to Mich Comp. Laws Ann. §600.5807 the statue of limitations is 6 years. Yes there are ...
|
| midland funding | 4/30/2009 |
Q: My aunt just received a notice to appear in a default judgement case. she is elderly and has no ...
A: Start the process asap. Here's a little more information for you. There are five steps to the ...
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| Debt Validation | 4/28/2009 |
Q: This past fall I contacted "Credit Management Company", a collection agency based in PA. The reason ...
A: Call me at 888-686-6834 ext 8000 I'll be happy to go over your situation. Eddie Saleh Ontrack ...
|
| midland funding | 4/28/2009 |
Q: My aunt just received a notice to appear in a default judgement case. she is elderly and has no ...
A:
1. If you defend your case, the plaintiff (credit card company or debt buyer) has the ...
|
| Auto Lender Threats scare me | 4/26/2009 |
Q: Credit one is the lender/finance company I used to purchase a vehicle through. I have been three ...
A: It' better that we speak over the phone about this situation. Please visit ...
|
| credit card debt | 4/25/2009 |
Q: I have 2 credit cards totaling about $18k. I am in the car business in Florida and we all know how ...
A: To answer the first question creditors can obtain a judgment. Seizing of assets, and levying a bank ...
|
| I am being sued for wifes hospital bills | 4/24/2009 |
Q: I am being sued for my spouses incurred hospital bills. I understand that Oklahoma has a provision ...
A: What you should know about debt defense:
1. If you defend your case, the plaintiff ...
|
| Lost case against Unifund | 4/20/2009 |
Q: I was given a summons in October of 2007. I hired an attorney and ultimately lost the case. It was ...
A: Since we are providing a free service, we're asking the questioner for general information before ...
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| Paid credit card balance payed in full and closed account | 4/20/2009 |
Q: I used to own a credit card with Providian Card Services. In 2004, I refinanced my mortgage. There ...
A: I'll try to keep this short and to the point. Upon your first communication to the debt collector ...
|
| COLLECTION ON LLC | 4/19/2009 |
Q: I AM A SOLE OWNER OF A LLC IN SOUTH CAROLINA. CAN A COLLECTION AGENCY CONTACT ME AT HOME, AND ALSO ...
A: David, Thank you for you question. In some states it's legal for a debt collector to contact the ...
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| Law Office Threatening Court for Bad Debt | 4/18/2009 |
Q: I have about $3000 in debt that I have not been able to pay on for a while. Currently I was able to ...
A: Even if the debt collector is based out of TX, they can sue. First is first request verification of ...
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| Law Office Threatening Court for Bad Debt | 4/17/2009 |
Q: I have about $3000 in debt that I have not been able to pay on for a while. Currently I was able to ...
A: Tyler, It sounds like you've done a pretty good job negotiating your debts. Sometimes you'll run ...
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| Old Debt | 4/14/2009 |
Q: i had a debt from a credit card that is no longer on my credit file. The last report that showed it ...
A: No this can not be done,nor will it be done. The debt collector broke the law and lied to you. ...
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| Concerned about a collection attempt | 4/13/2009 |
Q: I live in Louisiana and last week I received a call from a collection company called Tri-Financial, ...
A: Since the contract began in AK, the SOL of that state is 5 Years. DO NOT PAY THIS COLLECTION ...
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| Overwhelming Debt & Collectors | 4/10/2009 |
Q: Me and my spouse have both lost our jobs and our all our debt is going unpaid except our mtg. We ...
A: Mo, At this point the only thing you and your spouse should be worried about is keeping a roof over ...
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| NCO Collection Agency | 4/8/2009 |
Q: I was sent to NCO Financial collection agency by 1 and 1 Internet as a result of 1 and 1 trying to ...
A: While searching the question pool I came across you're question. By law a collection agency must ...
|
| Ford Motor Credit deficency judgement | 4/2/2009 |
Q: 9/2000 bought a car, repo in 9/2002, charged off in 10/2002. 4/2004 a $12,000 judgment is filed. My ...
A: A creditor ( or the collection agency/law office ) can file suit at any time. Statue of limitations ...
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| what can they do? | 3/26/2009 |
Q: I have been avoiding creditors for some time now (some longer than others). As I recall, the debts ...
A: Your creditors can take the following action(s): Among others 1. obtain a judgment 2. place a lien ...
|
| Old credit debt | 3/25/2009 |
Q: We had a Providian Visa card several years ago & had rec'd letters from a collection agency. I've ...
A: Order a copy of your credit report. The name and contact information of the debt collector will be ...
|
| collection phone message | 3/24/2009 |
Q: can a bill collector call and leave a message on a persons work phone if they have a direct ...
A: Yes the debt collector can leave a message on the work phone line. However if you advise the debt ...
|
| Capital One Credit Card | 3/22/2009 |
Q: I had a Capital One credit card account. I didn't want to pay the annual membership fee, so I wrote ...
A: Credit Card companies are doing everything possible to create new fees for consumers. You canceled ...
|
| 1099 | 3/20/2009 |
Q: settled w/Midland recvd 1099 for 2008 now have to pay IRS over $7100.00 for the difference I settled ...
A: Dolores, Thank you for your question. If your debt has been written off by a creditor then you ...
|
| Original debtors. | 3/19/2009 |
Q: I live in Virginia. Is there any way to legally stop an original creditor from calling me? I have a ...
A: Since you retained an attorney for bankruptcy, the creditor must cease and desist communication. ...
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| FRAUDLENT TRANSFER | 3/19/2009 |
Q: My partner has a court ordered judgement against a debtor, the debtor is busy now transfering his ...
A: William, Thank you for your question. If the debtor is moving assets around to avoid paying a ...
|
| Fake Summons taped to Front Door. | 3/17/2009 |
Q: Yesterday someone taped a Summons to my apartment door in full view of other people in my apartment ...
A: If you are in the state of NY you can be served by placing a summons on the door. Contact the ...
|
| charge off / repossesion | 2/16/2009 |
Q: Irecently became drastically ill fell behind on car note tried sending whatever I could.they are ...
A: Yes they can repo the car. Your score was uncalled for. If you want an explanation then ask for ...
|
| being sued | 2/13/2009 |
Q: i recd a call from mcdonald Darvin , she stated that a processor would be out to serve me for a cc ...
A: I could write a book explaining what you can/should do. It's probably better if you call. I'm ...
|
| Can Dr. collect on a missed appt fee? | 2/12/2009 |
Q: If one has never signed an agreement with a Doctor's office, does the office have a legal right to ...
A: Sometimes mistakes happen. Send the collection agency a letter asking them to verify the debt. ...
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| garnishment exemption on SSI | 2/11/2009 |
Q: I receive SSI benefits in the amt. of $674. month., I'm 62 and disabled. I don't own a car , a home ...
A: While it's true ssi benefits are exempted from garnishment, a bank account is not exempted by levy. ...
|
| HELOC default loan collection | 2/5/2009 |
Q: I lost my home through foreclosure in Sept. The first and second mortgage companies have written ...
A: Every situation is different. However your offer of 5% won't be accepted. Increase your offer to ...
|
| Student Loan | 2/3/2009 |
Q: I have a friend who is getting his wages garnished because of an old student loan. The loan amount ...
A: If this student loan is from the Department of Education you can not reduce the amount owed. They ...
|
| penalties child support bankruptcy | 1/28/2009 |
Q: can a employer claim bankruptcy after the supreme court of Illinois judge declared that he is liable ...
A: Most child support debts are not dischargeable. If the employer held childsupport funds, and tried ...
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| car loans | 1/28/2009 |
Q: I recently purchased a car from a dealership, traded in my old car, the dealership approved me for ...
A: This situation is not unique. It's almost a catch 22. When a consumer drives a car off the lot the ...
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| Question about interest | 1/27/2009 |
Q: I have a lawsuit pending that I've been trying to handle myself. My credit card was charged off in ...
A: Attached you will find a source for usury laws it may help. http://www.lectlaw.com/files/ban02.htm ...
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| Question about interest | 1/27/2009 |
Q: I have a lawsuit pending that I've been trying to handle myself. My credit card was charged off in ...
A: If the account was charged off in 1999 the case may be over statue of limitations( see your state ...
|
| Auto voluntary repossesion | 1/25/2009 |
Q: My father in all honesty is a intelligent person up until the day he bought my brother (who is now ...
A: We're sorry to hear about this situation. You father performed this action with his heart, it's ...
|
| summons | 1/25/2009 |
Q: Today I received a summons for a debt owed. I can not tell if it is phony. It states to appear and ...
A: In most cases it's not normal. However you have to respond to the summons, keep documentation of ...
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| Debt Settlement | 1/24/2009 |
Q: I have a $35,000.00 credit card debt with B of A. No payment has been made in over two years on the ...
A: There are many different ways you can approach this situation. First, do not liquidate your pension ...
|
| Notice of Suit | 1/21/2009 |
Q: I received a citation of a suit against me. I owe a credit card balance that I have faile dto take ...
A: How much is the debt? Below you will find some information to assist you. If You need further help ...
|
| auto loan | 1/16/2009 |
Q: In 2001 I was injured by a noninsured driver. My car was totaled. My insurance co paid 17000 ...
A: Mary, If the debt collectors have contacted you before 8 after 9 or at a time which is an ...
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| past credit card debt | 1/8/2009 |
Q: My husband and I are not living together. We have separate checking accounts. I have a credit card ...
A: I have a few more questions. Did you receive paperwork about the judgment from the courts? If not ...
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| past credit card debt | 1/7/2009 |
Q: My husband and I are not living together. We have separate checking accounts. I have a credit card ...
A: New York State is an Equitable Distribution state The marital assets and debts of the parties ...
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| past credit card debt | 1/7/2009 |
Q: My husband and I are not living together. We have separate checking accounts. I have a credit card ...
A: Generally the answer to your question is no. However some states have different laws when it comes ...
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| Sued for credit card debt | 1/6/2009 |
Q: I just received a summons to appear in small claims court regarding a credit card debit that has was ...
A: The SOL for PA starts on the last payment received by the creditor. In this case the clock started ...
|
| Want to stop judgment. | 1/5/2009 |
Q: There is a judgment against me for a debt that is over the statute of limitations(CA). What do I ...
A: Prepare Your Motion to Vacate The first thing you should be before preparing a motion to vacate is ...
|
| Debt after death | 1/5/2009 |
Q: South Dakota: My father in-law is terminal and unfortunately will pass in early 2009. Will his wife ...
A: If there are no assets, settling an estate should be fairly simple. You'll send letters to creditors ...
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| Home Lien | 1/3/2009 |
Q: My father passed away from cancer in July 2007. He had a Capital One credit card which was ...
A: The property automatically reverts to the survivor when one spouse dies, bypassing probate. In this ...
|
| Bounce Check | 12/31/2008 |
Q: I was told my a collection agency that bouncing a check was a felony in the state that their ...
A: Bouncing a check over 250.00 can be considered a felony according to most state statues. However ...
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| Credit Card debt | 12/29/2008 |
Q: Ok, my problem is as follows. I've run up 3,000 UK pounds of debt via my credit-card due to a period ...
A: Our advice is that your brother is wrong on many fronts. 1. Debt collectors won't give up on you ...
|
| Delictual claim | 12/29/2008 |
Q: sir can you please explain about Delictual claim with one case law or one example thanks & Regards ...
A: If a person drives their car negligently and collides with the car of another person, causing a ...
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| Bank Account Lien | 12/27/2008 |
Q: A lien was recently put on my checking account for an old outstanding debt. I was never served any ...
A: Monique, Thank you for your question. The best way to go about lifting a lien is to file a ...
|
| Car Repo'd | 12/4/2008 |
Q: My car was just repo'd this morning. I know that I will have to pay the difference once it is sold, ...
A: The difference is known as the deficiency balance. Yes, you can make payments on the difference ...
|
| "Report Dates" on Credit Report | 11/16/2008 |
Q: I have an AMEX charge card, which requires me to pay the balance off each month. I noticed on my ...
A: Mary, Thank you for your question. After speaking with a contact at Amex. Amex reports 4-5 days ...
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| Judgements | 11/13/2008 |
Q: I have to go go court tomorrow, on a bill from my daughters old gymnastics center. This was ...
A: File a motion to dismiss with the courts based on the lack of validation evidence. If you found ...
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| Credit Card Judgment | 11/12/2008 |
Q: My husband and I are in the process of purchasing our house. We found a judgment from a credit card ...
A: If your trying to negotiate a payoff with a debt collector or a plaintiff on a judgment. The last ...
|
| Time Share | 11/12/2008 |
Q: We have paid off our worthless timeshare in full and now are refusing to pay maintainance and taxes ...
A: Take some time and re-read the contract provision concerning general maintenance and upkeep. The ...
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| my rights | 11/11/2008 |
Q: I was unemployed for about 6 months and fell behind on my credit cards. I called the companies and ...
A: Sue, Thank you for your question. Chances are the debt collectors are using intimidation and ...
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| Fraudulent Lawsuit | 11/10/2008 |
Q: In 2000 a collection agency filed a lawsuit against my husband for credit card debt. The lawsuit ...
A: You can file a counter claim against the attorney/law firm. The debt collection attorney violated ...
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| credit card debt | 11/10/2008 |
Q: My husband left me and house forclosed, I owed 6,000 originally to Cap One, after not paying for ...
A: The account has been forwarded to the a collection agency called Creditors Interchange here in ...
|
| Credit Card Collections | 11/6/2008 |
Q: My husband and I have a credit card through US Bank. We are not sure of the KY cc laws. In May my ...
A: He can call your employer to request verification of employment only. Once you advise him not to ...
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| Credit Card Collections | 11/6/2008 |
Q: My husband and I have a credit card through US Bank. We are not sure of the KY cc laws. In May my ...
A: The account is now being forwarded to the first collection agency as it passes the 6 month past due ...
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| auto loan | 11/5/2008 |
Q: I purchased an incredibly over priced car 16 months ago. A friend signed as buyer (just after ...
A: You're not alone, many vehical loans are upside down it's the current finance trend. To make ...
|
| Bill sent to wrong address and now in collection | 11/4/2008 |
Q: My husband took one of our children to the emergency room at our local hospital at the beginning of ...
A: Even though the billing department sent the bill to the wrong address they still performed a ...
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| debt judgements | 11/1/2008 |
Q: 000 plus on a $5,300 Charge-off account. what should I do?
A: I have a few questions to ask. Where was the card opened? Where do you currently live? When was ...
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| Spouse's credit card debt | 10/15/2008 |
Q: If a spouse's credit card debt and collections do not show up on my credit report what liability do ...
A: Helen, It really depends on the state you reside in. Most states have community property laws. ...
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| Unknown debt of dead husband | 10/11/2008 |
Q: I live in California. My husband died recently and I found he had a credit card solely in his name ...
A: Pamela, The entire staff at Ontrack Financial Group llc is sorry to hear about your loss. Since ...
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| collection from corporate recievables dept | 10/9/2008 |
Q: We bought furniture from Art Van on 7/04. We had the 4 years no interest, However we fell benhind ...
A: Angela, If you haven't made the minimum payments as pursuant to the contract, the creditor has the ...
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| Previous Debt | 10/7/2008 |
Q: I had a car loan about 10 yrs ago. The dealer which sold me the veh never registed it. I had began ...
A: Marie, It sounds like the vehicle was a voluntary repo. In order to place a levy on an account ...
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| debt collection | 10/7/2008 |
Q: Pioneer Collection agency is calling me at home, on my cell, and at work. They claim to be ...
A: Pioneer is a collection agency used for student loans. Did you take out a student loan to help pay ...
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| debt collection | 10/4/2008 |
Q: I found out that my wife incurred a cell phone bill of nearly $6000 over two months. I did not find ...
A: Doug, You have a right to verification of the debt. The collection agency has 55 days to provide ...
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| auto finance contract | 10/1/2008 |
Q: I purchased a vehicle over a week ago. I gave them 1000 down and they cashed the check. Now ...
A: Tracy, This situation happens all the time. If the dealer can't obtain financing they will have ...
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| Can they Reposses a car if no job? | 10/1/2008 |
Q: I have been making my car payments on time and the exact amount that the contract asked for; however ...
A: Joanne, Make them provide the documentation proving not having a job is grounds for repo. Next ...
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| Past Due Payment | 9/29/2008 |
Q: "I am past due on a citifinancial unsecured loan. I have tried to work something out with them they ...
A: Brandie, It's not common practice for a bank to send hand written dunning letter. I would first ...
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| Certified discovery | 9/29/2008 |
Q: I have entered a payment agreement with a law firm as an out of court settlement,but now they want ...
A: Hey Glen! Make sure you get the offer in writing from the law firm. Don't fill out anything ...
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| Judgement liens | 9/27/2008 |
Q: ANSWER: Steve, Transferring certain assets is a fraudulent act if you transfer them with actual ...
A: Steve, A lien can be placed on any property your friend owns. There is a bigger issue at work ...
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| credit card liability | 9/26/2008 |
Q: I live in california I know its a joint community ) my husband and I been seperated for over 3 years ...
A: Wala, Thank you for your question. Any debt accumulated over the marriage is the responsibility ...
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| Judgement liens | 9/25/2008 |
Q: thanks very much
A: Steve, Transferring certain assets is a fraudulent act if you transfer them with actual intent to ...
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| hi | 9/25/2008 |
Q: are safe deposit boxes seizable? does one have to give their ssn to obtain one? which creditors ...
A: J, I'm not well versed with SDB so I contacted my local bank. After speaking with them I was ...
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| credit card judgement co borrower | 9/24/2008 |
Q: My dad cosigned a card for me and I have defaulted on the card. They have stated they are filing a ...
A: Lisa, Creditors interchange broke many laws during that conversation with you. I know their ...
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| credit card debt | 9/21/2008 |
Q: I am a single mom who just relocated to FL to be near my parents. I went through a divorce in MA, ...
A: Linda, Your "Reputable Debt Settlement Company" should be helping you through this. You're paying ...
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| Repo of RV | 9/20/2008 |
Q: I am a Livingston, Texas resident and a fulltime RVer up until this past June, but currently living ...
A: Larry, The worst thing you could have done was not pay the RV. Since the Rv is in default, the ...
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| legal judgment | 9/20/2008 |
Q: Citibank got a legal judgment against me in 2004 for credit card debt. When I just called them they ...
A: Dan, Since they have a judgment they may not settle. It would be easier for NCO to execute it. ...
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| What next? | 9/20/2008 |
Q: I was sued but because i couldnt afford a lawyer, i decided to use my education to study and do ...
A: From the information you provided it looks like it's over. Once you receive all the paperwork from ...
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| Judgement after paying on credit card debt | 9/19/2008 |
Q: My husband had a credit card that we have been paying on.We paid the agreed contreact and they still ...
A: Jennifer, In most cases the agency will apply any payment to the judgment amount. As for the ...
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| legal judgment | 9/19/2008 |
Q: Citibank got a legal judgment against me in 2004 for credit card debt. When I just called them they ...
A: Dan, with me speaking with NCO I can't answer if the account is still owned by Citi. If the debt ...
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| TIME LIMIT ON DEBT COLLECTION | 9/18/2008 |
Q: I RECENTLY RECEIVED A LETTER FROM A DEBT COLLECTION ATTORNEY.THE CREDIT CARD ACCOUNT IN QUESTION WAS ...
A: Tracey, The statue of limitations began the last time a payment was made. So in this case it's ...
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| Medical Collections | 9/17/2008 |
Q: I live in Minnesota and my wife and I recently had a child and the insurance didn't cover 100% of ...
A: Travis, Congrats on the BABY! If the account is placed in collections is may be placed on the ...
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| Credit Scoring | 9/17/2008 |
Q: My husband's credit report has a very low score. Everytime we have tried to get loans we were ...
A: Tina, It's not just making your payments on time that will increase a Fico Score. 1. Applying ...
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| Charge off collections | 9/16/2008 |
Q: I have an acct that was charged off on my credit report (8/19). I just rec'd a letter from a ...
A: Sherri, Yes the account can be collected on. You can even be sued for not paying. If you find ...
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| Senior Citizen Credit Card Default | 9/15/2008 |
Q: Greetings, I just found out that my Mom, widowed & age 68, has incurred close to $35,000 in credit ...
A: Brian, I'll try to keep this short. 1. There are legal repercussions not criminal. However ...
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| Credit Card Default & bankruptcy | 9/15/2008 |
Q: I live in Georgia. I have one credit card with an overdue amount of $29,500. I have two other ...
A: Kathi, I would like to talk to you about possible solutions. Please email me at ...
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| credit card | 9/14/2008 |
Q: 1. If a person has no job and no equity or money in the bank but has large credit cards bills what ...
A: Obtain a judgment execute it and involve the sheriffs office to perform a sheriffs sale. Place a ...
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| Voluntary Repossesson | 9/12/2008 |
Q: My husband bought a car back in 2006, before i met him and we got married. He couldn't afford the ...
A: Sarah, Without speaking with the collection agency it would be hard to fully answer this question. ...
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| payday loan collections | 9/12/2008 |
Q: Can I make payment arrangements over a extended period of time,or do I have to make the arrangements ...
A: Every situation is different. Without us speaking with the collection agency it would be hard to ...
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| Texas debt | 9/11/2008 |
Q: I live in Texas and have outstanding credit card debt. I dont have any money to pay at all. I am ...
A: Christy, That's not true, I have worked many cases where debtors were being sued in TX. There are ...
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| debt collection | 9/7/2008 |
Q: my husband had a judgement against him for a car that was repossed in 2000 or 2001. the collection ...
A: Esther, Even though your husband may have a judgment rendered against him. You may qualify for a ...
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| Affirmative Defense Options: FDCPA Violations | 8/26/2008 |
Q: I have received a summon from a collections agency that has not abided by the FDCPA standards of ...
A: Yamil, Your best option is to contact an attorney that has filed suit against the collection ...
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| judgement | 8/7/2008 |
Q: I want to settle my debt I live in pa. I have a judgement against me is it to late to settle or is ...
A: Mike, I'm not sure what company you spoke to. If the judgment hasn't been executed the company ...
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| Property | 8/6/2008 |
Q: I received a letter from a Philadephia law firm stating a judgment had been made against me and the ...
A: Steve, It's called a sheriffs sale. This is a tactic collection agencies are starting to use more ...
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| Old Discover Charge Card and Sears Charge | 8/6/2008 |
Q: I had a Discover and Sears Charge card in 1991, they both went into collections i believe in 1994 or ...
A: Mark, According to the NV statue of limitation for debts, the company had 6 years to take this to ...
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| COLLECTIONS ILLEGAL ACTIVITIES | 8/1/2008 |
Q: About 12 years ago i was served by a collections lawyer to appear before him within 20 days to ...
A: Which one is the real story, the first communication (below) or this one. It's hard to give you ...
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| credit card debt blitt and gaines illinois | 7/29/2008 |
Q: I am being sued again, yes I have credit card debt and am slowly working to pay them off, some have ...
A: Gary, If they levy the account they could tap everything you have and place it towards the debt. ...
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| in debt and ....... | 7/29/2008 |
Q: I live on a supplementary social security check due to disability and owe around $12,000 to a credit ...
A: It's understandably hard and the emotions you're facing are tearing you apart. You have to take ...
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| collections law | 7/29/2008 |
Q: N.Y.S. a collections lawyer did not renew a judgement against me within the 10 year time frame. i ...
A: Fred, Your going to have to vacate the judgment. The first thing you should be before preparing ...
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| 12 yr old account | 7/28/2008 |
Q: I just got an email notice that i have a negative charge on my credit report. So I investigate it, ...
A: Tenachi, The courts never discharged the account since it wasn't included. However the statue of ...
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| 12 yr old account | 7/28/2008 |
Q: I just got an email notice that i have a negative charge on my credit report. So I investigate it, ...
A: Tenachi, If you completed your chapter 7 and the bankruptcy was discharged the company has ...
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| seiziing social security benefits | 7/28/2008 |
Q: Is there a limit as to how much of a person's social security benefits can be seized to pay non-tax ...
A: Lance, SSI benefits are exempt. Companies will work around this by placing a levy on an account ...
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| car finance/ title loan question | 7/25/2008 |
Q: okay I financed a car through a bank called finance maryland in feb 2007.... I went back and took ...
A: Kendra, They are allowed to recall the loan after the contract was broken (missed or missing ...
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| Judgement w/ other debt | 7/25/2008 |
Q: I'm probably to far gone, but I'm looking for advise/suggestions. About two years ago I started a ...
A: Alisha, We can assist you with this judgment. We'll handle the phone calls and letters. While you ...
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| Foreclosure/ CC Debt | 7/25/2008 |
Q: I would really appreciate some advice. Here we go.. We moved to Carson City, NV after Hurricane ...
A: Carlisle, Wow you are going through(have gone through)so much! We admire your strength! Wells ...
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| Debt collection | 7/25/2008 |
Q: I made a CC debt 2 years ago outside U.S. I did not live in U.S. at that time. I am living in U.S. ...
A: Mira, Yes you are still responsible for the debt. The steps could be many. the length could be ...
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| credit card debt blitt and gaines illinois | 7/24/2008 |
Q: I am being sued again, yes I have credit card debt and am slowly working to pay them off, some have ...
A: Gary, They will probably place a lien on the house until the debt is paid ( not take the house). ...
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| TRYING TO COLLECT A DEBT THAT WAS CHARGED OFF BY THE CREDITOR | 7/24/2008 |
Q: A company recently bought a company that has uncollected funds. One of these, mine, was charged off ...
A: Kathleen, When an account has charged off it doesn't let the consumer off the hook. Now if the ...
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| No proof of bill from collections | 7/23/2008 |
Q: So about 3 1/2 years ago I visited a Dallas hospital for a cough I had. I was 18, had no insurance ...
A: Elizabeth, When you were admitted into the hospital you signed a contract called conditions of ...
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| motion to vacate a stipulation of judgement | 7/23/2008 |
Q: I live in Los Angeles, CA I signed a stipulation of judgement on 3/06 stating that I agree to pay ...
A: John, Thank you for your patience. I'll make it brief. Yes the order by the courts would be ...
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| WAGE GARNISHMENT AFTER FORECLOSURE | 7/23/2008 |
Q: WE ARE ABOUT TO HAVE OUR HOME FORECLOSED ON IN OKLAHOMA. ONCE THE FORECLOSURE IS OVER AND THE ...
A: Glen, First contact this company http://www.foreclosurereliefgroup.com/ they maybe able to assist ...
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| Wage Garnishment | 7/22/2008 |
Q: I just received a garnishment letter from my employer. They forward to me only parts of the ...
A: Joan, With a wage garnishment already in place it's going to be tough. You can try to negotiate a ...
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| Credit Card | 7/22/2008 |
Q: I paid my credit card bill on the 4th of July, was due on the 6th. They gave me a late charge ...
A: Steve, At times when making a payment online if the payment wasn't processed they may charge a ...
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| Paying off several closed credit cards at once...and how it will affect my credit score | 7/22/2008 |
Q: I have debts from about ten different credit cards (mostly retail stores) that I am trying to pay ...
A: Pearl, Actually it's the other way around. If you pay the account in full it will reflect paid ...
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| debt collection | 7/22/2008 |
Q: I have recently had a bad experience with a payday loan company calling themselves Cash Transfer ...
A: Pam, I agree with Robert. 1.Contact your states banking department and advised them of the ...
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| Judgement against credit | 7/22/2008 |
Q: I have a question about what to do regarding a judgement obtained against my credit in late 2006, ...
A: Shannon, It sounds like your in a little over your head. Your doing the best you can do with 2 ...
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| basement | 7/21/2008 |
Q: My question to you is my basement walls are falling in and the insurance company says they will not ...
A: Kelly, Check with your local government to see if they have some sort of restoration program. ...
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| Calvary Portfolio | 7/21/2008 |
Q: I have a old debt from Ford that was bought by Calvary Portfolio,they jacked the debt up by over ...
A: Ann, The amount is in proper suit range. Since you sent the C&D letter it may be their only ...
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| money judgement | 7/21/2008 |
Q: I leased a vehicle a couple of years ago and came into some financial problems and I voluntarily ...
A: Mary, Thank you for your question. Yes the judgment will have to be paid. The firm filed for ...
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| collectios/ judgement | 7/20/2008 |
Q: I received a item of certified mail from a collection agency in AZ, where I lived 5 years ago. I ...
A: The first thing you should be before preparing a motion to vacate is to look up your state's ...
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| Car Reported Stolen | 7/19/2008 |
Q: a financed a car about a year and half ago. The car was placed under my sister in law name. She ...
A: Pablo, 1. They can not report the car as stolen. 2. If you need a deferment, it's up to the ...
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| summary judgment | 7/18/2008 |
Q: I live in Texas. A debt collector law firm just won a summary judgment against me for an unpaid ...
A: Lori, It is possible for the company to request media from the original credit card company. We ...
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| summary judgment | 7/18/2008 |
Q: I live in Texas. A debt collector law firm just won a summary judgment against me for an unpaid ...
A: Lori, There isn't a set amount the are limited to in Texas. Some firms will first attempt to ...
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| pay day loans | 7/18/2008 |
Q: Is it legal that a pay day loan person call my work and leave me a message stating that, I have been ...
A: Mary, If the payday loan company has not hired an outside firm they can contact your place of ...
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| summary judgment | 7/18/2008 |
Q: I live in Texas. A debt collector law firm just won a summary judgment against me for an unpaid ...
A: Lori, You're correct. In Texas they can place a bank levy on your account. Once the judgment is ...
|
| the doctor's office | 7/18/2008 |
Q: I owed money to a doctor office and been paying whatever I could. Well I received a final notice ...
A: Angela, The Dr. office can place the account in collections, add the additional fee, and justify ...
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| Credit card law suit | 7/17/2008 |
Q: I live in the state of Ohio, Cuyahoga county. I had a credit card with capital one, last day of ...
A: It looks to me like you are dealing with a debt collection agency that has bought OUT OF STATUTE ...
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| debt collection and estates | 7/16/2008 |
Q: My mother in law passed away this year and had about $45,000 total on 5-6 different credit cards. ...
A: Fred, The credit card company will first try to collect from the estate (assets will be sold to ...
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| AMEX and Nationwide Credit | 7/16/2008 |
Q: I owe over 40K to AMEX that has been turned over to Nationwide Credit. I am still being charged ...
A: Nina, Nationwide Credit in Phoenix is calling you about this right? It sounds like they are ...
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| Defaulting on credit cards | 7/16/2008 |
Q: About 2 years ago I had less than $6k in debt. After we had a real estate investment go bad and my ...
A: Michael, The consequences are becoming higher and higher. With the current credit crunch, ...
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| Drive Financial Harrasment | 7/16/2008 |
Q: Good afternoon, and thank you for taking my question first and foremost. My question is, our ...
A: Jason, Good afternoon. To answer your question is the auto loan company contacting you or is it a ...
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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: Nikole, It looks like the credit bureau or the law firm didn't update the account balance. ...
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| Money owed to me | 7/15/2008 |
Q: A few years ago I contacted an Ct. antique appraiser to find out what he could tell me about a ...
A: RICHARD, Go to the 341 hearing and file a claim. Bring up the fact this person transferred ...
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| defaut judgement | 7/15/2008 |
Q: I am an sole proprietor insurance broker. I was contacted by a company to provide worker comp, auto ...
A: Visla, I can't believe people in the world will commit fraud such as this. By not going to ...
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| wage garnishment on disability | 7/15/2008 |
Q: I live in Wisconsin and defaulted on a Perkins Student Loan. They are currently garnishing 15% of ...
A: Katie, They may request information from the company responsible to pay your disability claim. You ...
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| Apartment taking garnishment | 7/15/2008 |
Q: My husband had an apartment back in 1998 and owed some money to these apartments that he was unaware ...
A: Stephanie, If he wasn't there to contest the judgment then yes they can. You may want to look and ...
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| credit card debt | 7/15/2008 |
Q: I owed Washington mutual and another credit card. The other card after becoming deliquent because ...
A: Gale, It's a collection agency doing business as a law firm in Williamsville NY. Funny enough ...
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| Please Help I'm being Suied | 7/14/2008 |
Q: I need some financial advice. When I was 18 (in 2001), like most 18 year old I applied for my first ...
A: Frenchie, If you have the means to pay this debt, and the debt is still under SOL then request a ...
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| credit cards | 7/14/2008 |
Q: I have lost my job, own a house and found someone to take over my payments for 2 years, kind of a ...
A: Eduardo, We're sorry about the situation you in. The debt collectors will try and continue to ...
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| debt collector | 7/14/2008 |
Q: my daughter went to college in michigan 11 yrs ago i paid off the student loans from the state in ...
A: The statue of limitations are over. Tell them to take a hike. Write them a letter advising them ...
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| Please Help I'm being Suied | 7/14/2008 |
Q: I need some financial advice. When I was 18 (in 2001), like most 18 year old I applied for my first ...
A: Frenchie, The debt collection attorney may have filed before the SOL ran up. You can request ...
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| credit bureaus | 7/12/2008 |
Q: how do i get the credit bureaus to take old debt off my record, if the statue has ran out. I live in ...
A: Clifford, It's pretty simple. Send them a certified letter requesting deletion due to Sol running ...
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| can a collection appear if they have never contacted me? | 7/10/2008 |
Q: I moved from Seattle to FL in 3/08- I was just notified yesterday by my score watch alert that ...
A: AJ, You will have all 3 credit reports to deal with. Chances are you can contact the radiologist ...
|
| Statute of Limitations | 7/8/2008 |
Q: I am looking for the statute of limitations for debt collection in Indiana. I have a debt from a ...
A: Anna, The Statue of Limitations in your state: Written, 10 years A 50% settlement is still to ...
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| cosighn default | 7/8/2008 |
Q: i cosighned for a new car for my daughter in law ,my son is devorsing her ,he has custody of there ...
A: James, It's a tough situation your in. Check your states laws about holding the title on a car. ...
|
| Letter Critique | 7/1/2008 |
Q: I have two questions. First, I received a letter from Resurgence (OC Citibank) in regards to a ...
A: Trace, Your going about it the wrong way. This tactic has a success rate of .02 . Where did you ...
|
| lien on house | 6/27/2008 |
Q: My husband recently died after a 3 year battle with cancer. We have nothing except for a car and a ...
A: Angela, From all of us at Ontrack Financial Group we're sorry for your loss. The lien on the ...
|
| Settlement | 6/27/2008 |
Q: Just wondering... I made a settlement deal with my credit card company, as my info had not gone to ...
A: Erica, They can not longer honor the verbal agreement as the debt was sold. Now it's a different ...
|
| Unemployed spouse debt prior to marriage in collections | 6/25/2008 |
Q: I'm am recently married to a wonderful woman with some unresolved debt issues. We live in ...
A: Andrew, Congrats on being married to a wonderful woman! Since this is a US backed student loan ...
|
| Credit Card Authorized User | 6/20/2008 |
Q: My friend was listed as an authorized user on her father's credit card. Her father passed away and ...
A: Gregory, Not a problem, it's nice to help people such as you. It's really a gray area ( we want ...
|
| Credit Card Authorized User | 6/20/2008 |
Q: My friend was listed as an authorized user on her father's credit card. Her father passed away and ...
A: Gregory, An authorized user is different from a co-applicant. As an authorized user your friend ...
|
| Bank Lien | 6/19/2008 |
Q: I have gotten a bank lein on my checking account. I was trying to work with the creditor on ...
A: Lisa, I'm trying to make sense of what your asking. a creditor placed a levy on your bank ...
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| Judgement for Really Old credit card | 6/14/2008 |
Q: I was notified After my bank account was garnished by a 10 year old credit card debt (from the ...
A: Diana, Make sure you have the proper documentation from the courts stating the judgment was ...
|
| Past collections account | 6/6/2008 |
Q: I had a few collections account in the past and was wondering what i could do to removed that? Do I ...
A: Yes you will still have to pay them. Once paid they will re-age meaning they will be a part of your ...
|
| I always had insurance and approval numbers | 6/5/2008 |
Q: I had Back surgery and the day before a went in and had a blood test in they made sure I had an ...
A: Steve, When you were admitted into the hospital you signed what is called "Conditions of ...
|
| getting out of a loan as a co signer | 6/4/2008 |
Q: I live in Indiana I have co signed a loan for my niece so she could go to college. I have found out ...
A: Irene, Unfortunately, when you co-signed the contract you have the ultimate responsibility to make ...
|
| GMAC Repossession / Bad Debt Write Off | 6/4/2008 |
Q: Prior to our marriage, my husband had a vehicle repossessed. The original balance he owed GMAC was ...
A: Leslie, You have a right to request verification of this debt if the account was in collections. ...
|
| debt from ex-husband | 6/4/2008 |
Q: I received a letter from an attorney in Utah saying I owe back debt for a boat a co-signed with my ...
A: "Also can garnish my wages are view my checking account and savings account?" <---- please be ...
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| Judgement | 6/4/2008 |
Q: I had a strawbridge card in 2000 and in 2004 i was out of work and unable to pay. I tried to work ...
A: The plaintiff can execute the order from the courts resulting into wage garnishment. Creditors do ...
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| GMAC Repossession / Bad Debt Write Off | 6/3/2008 |
Q: Prior to our marriage, my husband had a vehicle repossessed. The original balance he owed GMAC was ...
A: Leslie, The creditor has written the debt off ( taken a loss ), however you are still liable for ...
|
| Collection agency | 6/2/2008 |
Q: I have a credit card with a balance due of $3400.00. I was paying more than the amount due up ...
A: Rene', Mann Brackin is probably not an attorney. He's a debt collector who is breaking the law ( ...
|
| I always had insurance and approval numbers | 5/31/2008 |
Q: I had Back surgery and the day before a went in and had a blood test in they made sure I had an ...
A: Steve, We're sorry to hear about this issue. Was the insurance company ever billed by the ...
|
| Hayt,Hayt & Landau | 5/18/2008 |
Q: In 1998 my ford explorer was repossessed after ford motor credit received the moneygram payment that ...
A: Alex, The collector can no longer hold the co-signer responsible for the deficient balance on the ...
|
| Harrassment from Hsbc | 5/9/2008 |
Q: I received a call from a collection co. called ARC they are trying to collect a debt for Helzberg ...
A: Holly, This collector broke the law. Do not write him a post dated check, in fact don't answer ...
|
| What is an NOA? | 5/7/2008 |
Q: I had an old medical bill with a hospital and had been making payments on it, and after it dropped ...
A: Marie, It's known as a notice of action. We think the collector is bluffing. If this is the case ...
|
| Fighting Repo | 4/21/2008 |
Q: My brother recently obtained a car loan (about 6 months old). He called me asking for advice and I ...
A: Tina, He has to provide all receipts for the payments to the company. It sounds like the account ...
|
| open account | 4/18/2008 |
Q: I had received active duty orders to be gone for about 8 months. I notified the landlord of my ...
A: James, We have found the following: You would be held liable for only 1 month of rent from the ...
|
| Very old debt | 4/17/2008 |
Q: I received a letter today from a collection agency stating I owed them over 20,000.00 dollars about ...
A: Phyllis, The debt was purchased by a purchaser of old debts. Companies such as this will buy old ...
|
| Collections by Glasser and Glasser | 4/17/2008 |
Q: Nationwide Asset Services, Inc. is settling several credit card accounts for me. They have already ...
A: Cheryl, Advise NAS they need to prepare a statement of LPOA Limited Power of Attorney. It's not ...
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| Collections by Glasser and Glasser | 4/16/2008 |
Q: Nationwide Asset Services, Inc. is settling several credit card accounts for me. They have already ...
A: Cheryl, Since your working with NAS they should be directing and working with you through this ...
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| judgement lien to forclosure in Ct. | 4/16/2008 |
Q: A debt collector was granted a judgement lein on a credit card debt I owed. Now they motioned for ...
A: Jim, If you are sued for a debt that is not related to the house, the first $75,000 of equity in ...
|
| attempt to pay | 4/16/2008 |
Q: I was taken to the emergency room of a local hospital here in Florida in January. After being ...
A: Mary, You were contacted by the in-house collection department. Yes they can send the account to ...
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| debt responsibility | 4/16/2008 |
Q: My elderly mother has been living with my [adult] brother for 25 years. Her health has declined, as ...
A: Robin, We're at a loss for words... You or your siblings are not held liable, However your ...
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| Credit card debt | 4/14/2008 |
Q: My mother recently passed away and she had roughly 50k in credit card debt. She has a living trust ...
A: Nathan, We're sorry to hear about your mother. The creditors will be forced into making a claim ...
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| creditors interchange | 4/12/2008 |
Q: Creditors interchange has contacted me about a balance that i owed on a old credit card they said I ...
A: John, It sounds like you spoke with a collector that went over the line, and may have broke the ...
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| Subpoena | 4/1/2008 |
Q: I received your reply to my question, but I am sorry...I've never asked this question of you before, ...
A: Al, The system is a little freaky today. The collection agency can not obtain information from a ...
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| collection summons | 3/31/2008 |
Q: I was served a summons by a police officer. There is no Case# and at the bottom it states that if ...
A: You can't dispute a credit card due to hardship. Please contact your debt company for more ...
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| Creditors Interchange | 3/27/2008 |
Q: I have been getting phone calls from Creditors Interchange for the past 2 weeks about a balance on ...
A: Emily, We can assist you with this hard situation your dealing with. Please visit ...
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| Credit Card Debt | 3/26/2008 |
Q: I received a judgement against me being sued from a collection law firm for Chase Bank for the ...
A: Ann, Chances are they may not settle after they received the judgement. It all depends on each ...
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| Collections Agency | 3/25/2008 |
Q: I am currently working at a dental office as an office assistant. I am responsible for finding a ...
A: Julia, Find a small start up company. One who belongs to the BBB. Check out their complaint log ...
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| Collecting on an old Bill | 3/25/2008 |
Q: I co-signed on a car with my wife in Missouri in 1995 and then I joined the Military in 1996 and ...
A: Joshua, First, please be safe in Iraq! Second, THANK YOU for your service! It sounds like a ...
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| Credit Card Payments/collections | 3/24/2008 |
Q: Your question was My wife had gotten behind on one of her cards and reached a payment agreement ...
A: Chris, The payment arrangement is voidable unless you have it in writing. It sounds like the ...
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| good faith payments | 3/21/2008 |
Q: After insurance has paid, I have been making monthly good faith payments on the balance of the bill. ...
A: Jamie, Yes they can turn the debt over to a collection agency. This is two fold. The hospital ...
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| collection summons | 3/20/2008 |
Q: I was served a summons by a police officer. There is no Case# and at the bottom it states that if ...
A: Theresa, Sorry we're getting back to you. Our case load has increased 120%. OK... contact ...
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| credit card with HSBC | 3/19/2008 |
Q: I have gotten calls from several different people to collect for this credit card, but I have ask ...
A: Shirley, Your have the right to have this account validated. The collectors Do not have the right ...
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| Summons served by a collection agency | 3/18/2008 |
Q: I asked Collection agency #1 to validate a debt, they didn't respond and a month later, out of no ...
A: Aida, You do have the option to let this go to court, show the courts the documents requesting ...
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| Lien against my house | 3/17/2008 |
Q: I had a contractor that did some work on my house, he quoted me a price of $4300 that included ...
A: Jenny, It isn't hard to place a lien on a home. Almost anyone can do it. If there isn't a ...
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| Court Hearing | 3/17/2008 |
Q: My wife has to go to court tomorrow. She is being sued by a collection agency, that bought the debt ...
A: Kurt, When she goes to court tomorrow, make the collection agency show proof the debt is valid. ...
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| collections and liens & taxes Texas | 3/14/2008 |
Q: I answered and spoke to a collection agency about an Am Ex credit card that was cancelled. I owe ...
A: Holly, Debt collectors can not make you use a tax return to pay back a debt. If it is their ...
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| COLLECTION/JUDGEMENT | 3/14/2008 |
Q: I RECENTLY RECEIVED LETTER IN THE MAIL FROM A COLLECTION AGENCY WHICH IS AN ATTORNEY TRYING TO ...
A: Stacey, You can try to work out terms with the agency. Sometimes they will budge sometimes they ...
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| Minors and medical debt | 3/12/2008 |
Q: When I was 17 I took an ambulance ride because of an allergic reaction and the bill was for a $1000. ...
A: Steven, Generally at 17 you were considered a minor. Your guardian is held responsible for paying ...
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| violation of privacy and breach of peace during an attempt to repo | 3/12/2008 |
Q: I live in missouri and in the process of filing for bankruptcy, the finance company sent repo people ...
A: TK Missouri has adopted Section 9-503 of the Uniform Commercial Code (UCC) The applicable ...
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| question about court summons for non-payment of credit card debt | 3/11/2008 |
Q: I found your website through the AllExperts Collections law forum. You seem to give knowledgeable, ...
A: Mary, Thank you for your kind words. The response will touch valid points When you sent the ...
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| reposession | 3/11/2008 |
Q: While working for a corporation the past several years, I was given a car as part of the benefits ...
A: Curt, Take a look at the contract. If you signed the purchase agreement you will be liable. It ...
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| FDCPA | 3/4/2008 |
Q: Does the FDCPA stipulate that a person has the right to inform a collection agency to cease and ...
A: Douglas, Creditors outsource their recoveries for a reason. It's cost effective. Almost all ...
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| FDCPA | 3/4/2008 |
Q: Does the FDCPA stipulate that a person has the right to inform a collection agency to cease and ...
A: Douglas, Let try this again :) We like the way your thinking "out of the box", but your fishing. ...
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| FDCPA | 3/4/2008 |
Q: Does the FDCPA stipulate that a person has the right to inform a collection agency to cease and ...
A: Douglas, Yes you can request a cease and desist. However if done the only recourse the agency has ...
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| Florida Collection Agency Law | 3/2/2008 |
Q: I live in Florida. In September, 2004 I had cancer surgery &, along with other bills, I incurred an ...
A: Ann, Your question was sent to our question pool. I'm sorry the person you requested didn't ...
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| DEBT | 3/1/2008 |
Q: ..for a long time I felt alone and defeated. I would appreciate any advice on the following ...
A: Suzanne, The credit industry has evolved. While the FDCPA mandates verification on a debt upon ...
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| deceased mother's cc balance | 3/1/2008 |
Q: My mom passed away in late 2005. I am an only child and she lived with me for 6 years. She had no ...
A: Sandra, We're sorry to hear about your mother. Unless you were on the credit card with your ...
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| Voluntary Repossession | 2/27/2008 |
Q: My grandmother leased a vehicle for my use in 2006. About a year later I had some financial ...
A: Tesha, If the summonds is executed, the creditor can attached a lien on her property, request her ...
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| How to solve this credit fraud?! | 2/26/2008 |
Q: This morning my mom received a call from a creditor saying that she was delinquent on her payments ...
A: Pacha, What the collector did was wrong, and against the law. Does your mother remember opening ...
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| collections | 2/19/2008 |
Q: can a collection agency get a judgement on property for lack of paying a credit card? ANSWER: ...
A: Gayle, Yes, If the judgment debtor does not pay, they are entitled to get the sheriff to seize ...
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| payments to a business | 2/19/2008 |
Q: here is my dilema. I have about 4,500. in medical bills. I have been making monthly payments to ...
A: Trudy, Yes they have the right to send the account to collections. We specialize in working with ...
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| I'm filing BK, wife isnt - How should we handle her single low value charge-off? | 2/18/2008 |
Q: I'm filing Chapter 7 bankruptcy, due to a failed business. I am married, however none of my debt is ...
A: Mike, Paid charge off accounts are always marked " paid charge off " or "Paid Collection" both ...
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| collection | 2/15/2008 |
Q: my grandmother signed for a phone for my neice.she ran up a huge bill and did not pay it .now my ...
A: Randy, The creditor can obtain a judgement. However we doubt this would be done. Who is calling ...
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| PAYMENT PLAN DENIED | 2/15/2008 |
Q: I have a $300 outstanding medical bill. I was contacted by a collection agency two days ago, and ...
A: Rhonda, We need to find out if the creditor or the collection agency reports to the credit ...
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| collection calls | 2/15/2008 |
Q: I have a collection agency(Phillips and Burns) calling me night and day about a 4 year old cc ...
A: Lizzie, This situation should be discussed. We can assist you, stop the calls and work out a ...
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| collection company will not give me a reciept | 2/15/2008 |
Q: In 2006 my electric was turned off and the food in my refrigerator went bad I asked the apartments ...
A: Nekia, You can send the payments to the orginal creditor who will forward it to the collection ...
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| Baby Rsv shot medical bill | 2/14/2008 |
Q: My baby was born premature in march 2006 she has gone through lot of complicated procedures after ...
A: Lakshmi, We're sorry about your child. No one should ever be placed in this position. If you ...
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| possible lawsuit for a line of credit | 2/14/2008 |
Q: guys, I enrolled 3 debts with a debt settlement company. 2 were credit cards. One was for 10,000 ...
A: It sounds like the decision is already made. We would warn against letting any creditor obtain ...
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| Transfer of Debt upon Death | 2/14/2008 |
Q: I am a Canadian hoping to marry my American girlfriend in the next few years: Want some advice on ...
A: Mac, The assets of the estate will be used to pay any outstanding debts before any of the heirs ...
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| Collection of money owed | 2/13/2008 |
Q: In response to a friend that had a house going into foreclosure, I loan this person money to bring ...
A: George, If the brother is insolvent the contract is voidable. Contact the courts and file ...
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| received medical bill one year and six months after car accident | 2/13/2008 |
Q: My family was in a car accident March 3, 2003. My husband and son were brought to the hospital by ...
A: Tiffany, The bill needs to be paid. Incompetence or not services were given, and received. Try ...
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| Credit Card Company calls every day | 2/12/2008 |
Q: I have a credit card and haven't been able to make a payment on it yet but I will as soon as ...
A: Sharayah, If it's still with the orginal creditor ( 3 month no pay it probably is ) there realy ...
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| statute of limitations | 2/12/2008 |
Q: I'm located in Georgia. A few years ago, I lost my job and was unable to pay my debts. I have been ...
A: Kim, We're sorry about your situation. 1. Your liable for the judgement, court costs and ...
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| sol ohio | 2/11/2008 |
Q: what is the solon credit cards in ohio (please a definite answer). Searches say anywhere from 15yr ...
A: Steve, 1302.98 Statute of limitations in contracts for sale - UCC 2-725. (A) An action for breach ...
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| Collections prior to establishing credit | 2/11/2008 |
Q: My name is Barbara and in Apri lof 2004, when I was only 15 years old, I was involved in a car ...
A: Barbara, Send a dispute letter to the creditor & collection agency demand the negative ...
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| bill collectors | 2/9/2008 |
Q: i changed jobs a couple of years ago due to losing my other job for personel reasons. i had no ...
A: Carolyn, Creditors can garnish, place a levy on your bank accounts, lein on your house, or have ...
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| Harrassing collection agency | 2/8/2008 |
Q: I incurred $22,000 of medical bills in 2004 during a period when I was between jobs and uninsured. ...
A: James, We're upset this agency is doing this to you. However they may or may not have the right ...
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| Student loan consignor - NYS | 2/8/2008 |
Q: I cosigned for my daughter's student loan which she's defaulted on. I've paid approx. $5,000 with ...
A: Olga, Absolutely. You can apply to release your cosigner after 24 months of on-time payments. ...
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| debt validation | 1/9/2008 |
Q: I have a debt on my credit for $6,000 from the apartment that my sister was renting in florida. It ...
A: Leslie, I'm willing to bet your letter won't go unanswered. Tell your sister to pay this bill. ...
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| US Department of Education Loan in Collections | 1/7/2008 |
Q: I have questions for you regarding my situation. I inadvertently allowed my national student loan ...
A: CJ, Yes there is a rehab program for NDE loans. 10 months of payments and a new loan is supplied ...
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| volunteer repossesion | 1/4/2008 |
Q: I was trying to trade in my car at a dealership. They put my car on a contract called a consignment; ...
A: Tawana, That's the worst thing you can do. With a repo car you're liable for the deficent ...
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| authorized user | 12/20/2007 |
Q: I have my finance on my credit card as an authorized user only - I have been receiving calls from a ...
A: Kris, When you authorized him you gave the agency the ability to contact him about the said debt. ...
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| debt collection for payday loan | 12/20/2007 |
Q: After foolishly taking out an on-line payday loan one year ago, and several attempts at reaching ...
A: Melissa, Sounds like an aggressive collection tactic. It's getting towards the end of the month ...
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| Debt collector | 12/2/2007 |
Q: My husband pasted away 2 1/2 years ago at a rather young age. At the time of his death, he owned a ...
A: Judi, I'm sorry about your loss. Depending on the state you live in and when the account was ...
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| Legitimacy of Debt and forced payments | 11/18/2007 |
Q: My husband allowed a relative to have a fitworks payment come out of our account and when the ...
A: Denise, It sounds like you will have to take your relative to civil court. I'm not so sure you ...
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| Firm attempting to collected a 5 year old credit card debt | 10/31/2007 |
Q: My father passed away 4.5 years ago and had a credit card that had not been paid on for at least 1 ...
A: Colleen, The Sol for LA is 10 years. ...
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| Unifund from Cincinnati, Ohio | 10/31/2007 |
Q: I have this old bill from AT&T Visa. In April of 2006 the amount owed was 3,868.05. Unifund said as ...
A: Sam, Yes it seams right. I know how you feel. In today's environment requesting validation will ...
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| what to exspect | 10/12/2007 |
Q: i refinance my home 3 yrs ago and tought i was on a 30yr fix but just found out i was on a 3yr arm. ...
A: Shane, Try to Refi the home, if that doesn't work and you feel you don't want to. Contact a ...
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| Writ of Garnishment othe than Wages | 10/11/2007 |
Q: I am in Maryland. I recently received a notice from the District court here stating that a law firm, ...
A: Dave, They don't have to provide proof of debt after a judgment has been awarded. Your recourse ...
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| Debt validation | 10/10/2007 |
Q: I received a letter from Unifund stating that I owed $22k stemming from an account with Chase. I ...
A: Dom, The old days with requesting validation are gone, banks got hip quick to this loophole. I ...
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| AMCOL's 20% | 10/10/2007 |
Q: My son was in a car accident June 2005. He incurred some large medical bills. Our insurance covered ...
A: Kevin, Your guess is wrong. You are obligated to pay the extra 20%. If you call the hospital ...
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| payment of hospital bill | 10/10/2007 |
Q: THE HOSPITAL I HAVE A BILL WITH SAYS THAT THEY WILL ONLY TAKE PAYMENTS FOR ONE YEAR, OR SET ME UP ON ...
A: Gary, First get a itimized statement from the hospital. Make sure you are not paying for ...
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| help!! | 10/8/2007 |
Q: i was wondering, i am a 24 year old single mother of 2, and my soon to be ex husband and i got into ...
A: Morgan, Stop...Stop Stop... Calm down your not going to jail. Who is the 430.00 owed to? What ...
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| Spouse collections prior to knowing each other. | 10/8/2007 |
Q: My wife had an apartment prior to meeting me. She claims they charged her for repairs that were ...
A: Kevin, This should have never been apart of your credit report. Send a letter of dispute to the ...
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| Failed Negotiation with Collections Company - Worried about being suied. | 10/5/2007 |
Q: I have some old medical bills that were turned over to a collections company UCB by the hospital ...
A: Franccesca, Yes this person violated the law one she started to yell. She doesn't have the ...
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| wage garnishing | 10/5/2007 |
Q: I live in Hollywood Florida, who has the right to garnish wages in Fl. Hospitals, credit card ...
A: Salary or Wages Wages, earnings or compensation of the head of household which are due for personal ...
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| Bank Lien | 10/4/2007 |
Q: I just found out today that a chiropractor I received treatment from 6-7 years ago has placed a lien ...
A: Cyndie, If the jury found his costs not viable, contact the courts. With todays technology it's ...
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