| Subject | Date Asked | Expert |
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| old accounts bought by collection agencies | 5/14/2006 | Robert Paisola |
Q: Apparently two collection agencies have recently purchased loans that reached their SOL. They were ...
A: You my friend may have hit the jackpot. First of all, A CREDIT GRANTOR CAN NOT CHANGE THE DATE OF ...
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| Collections | 5/13/2006 | Robert Paisola |
Q: Can a credit card company or third party that has bought the debt take personal property or put a ...
A: Aloha Anita, Tonight I am writing you from the Islands of Hawaii where I just finished an event. ...
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| Judgement Letter | 5/12/2006 | John Hall |
Q: My husband was just served a letter from an attrny office in SC collecting a credit card debt. My ...
A: Under these circumstances it would probably not be a good idea to call the attorney for the ...
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| collection agency not attempting to collect | 5/12/2006 | Robert Paisola |
Q: A collection company has on my credit report that I owe them, but yet the account is 'closed'. I ...
A: First of all, thank you for writing to me. I am getting ready to do a training in Honolulu next ...
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| Credit Reporting question! | 5/12/2006 | John Hall |
Q: My fiance owes $22,000 in child support arrearage. He is getting the current c/s dropped but the ...
A: The law that regulates the length of time that credit report entries remain is found in the Fair ...
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| Credit Reporting question! | 5/12/2006 | Kathleen Eads |
Q: My fiance owes $22,000 in child support arrearage. He is getting the current c/s dropped but the ...
A: Normally, credit bureau entries fall off after 7 years. If the child support reporting was the ...
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| Credit Reporting question! | 5/12/2006 | Robert D. Mouradian |
Q: My fiance owes $22,000 in child support arrearage. He is getting the current c/s dropped but the ...
A: I am licensed to practice law in Michigan. If this is a Michigan matter I think I can help you. I ...
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| dealing with Lawyer for collection agency. | 5/12/2006 | Robert Paisola |
Q: I am going to court on monday may 15. I filed a memo to opposition within the 72 hrs required. I ...
A: Kevin, Thanks for writing me again. Ok, lets look at this issue clearly. As a consumer you ...
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| Medical bill collection | 5/11/2006 | Kathleen Eads |
Q: Our credit report shows four medical accounts unpaid. West Asset Management is the coll.agency that ...
A: Jose, I would send the bills directly to the insurance company to see if you can get them paid. ...
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| Hi - I live in Iowa. I had... | 5/11/2006 | Robert Paisola |
Q: I had an account turned over to a collection agency. I have paid over $310.00 that they dispute. I ...
A: Good Morning Claudia, Let me first tell you thanks for writing to me. Your situation is a ...
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| Credit card Arbitration | 5/11/2006 | John Hall |
Q: I had a CC with Chase bank with a limit of $300. I stopped using it just shy of the $300 limit ...
A: Hoogwerf: We spoke on the telephone last week and I was just rollowing up to see if you still ...
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| Being served through the mail for a credit card summons | 5/10/2006 | John Hall |
Q: I have 3 accounts with Capitol One which I had in good standing for a long time but 4 years ago my ...
A: Ms. Barber: Depending on some facts that you do not state in your question, it may be possible to ...
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| Ohio Statue of Limitation - Credit Card Debt Collection | 5/10/2006 | Robert Paisola |
Q: What is the time limit for a collection company to bring suit in municipal court for a credit card ...
A: It looks to me like you are dealing with a debt collection agency that has bought OUT OF STATUTE ...
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| Suit for Medical Bills | 5/10/2006 | Robert Paisola |
Q: Sir: I live in Arkansas and received a summons that the collection agency has filed suit for ...
A: TAMARA, THIS WILL BE FUN. I want you to fax me all of the documents to 408-889-2415. What this ...
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| Debt Collection after bankruptcy DISMISSAL | 5/9/2006 | Robert Paisola |
Q: First of all I must say this site and its links have been quite helpful. However I do have a couple ...
A: Good Morning Brian, Thanks for taking the time to write to me about your past bankruptcy. I have ...
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| Time | 5/9/2006 | Robert Paisola |
Q: What are the times a bill collector can call in Texas.
A: Good Morning Annette, Thank you for writing to me! This is a simple question, but I have taken the ...
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| Car Payments and Collection | 5/8/2006 | Kathleen Eads |
Q: I was late 1 payment on my car and the auto loan I have made threats. It was not under my control ...
A: Diane, To my knowledge, there is no "standard" in the industry for how late you can be. Each ...
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| Credit report removal | 5/8/2006 | Robert Paisola |
Q: How in the world do I get the three major reporting places ....Experion, Transunion, and Equifax to ...
A: Good Morning Lisa, Thank you for taking the time to write to me to discuss your credit bureau ...
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| charge-off | 5/7/2006 | Robert Paisola |
Q: When I moved in 2002, I xfr'd my TXU electric acct. to my new address(stayed with same util co.). On ...
A: Good Morning Chris, The key phrase in your story is that they have admitted that they were going ...
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| arbitration award | 5/6/2006 | Robert Paisola |
Q: In 2002 my MBNA credit card was over the limit and I couldn't afford to pay the payments. They ...
A: Good morning Sharon, This is a complex question to reply to without seeing all of the data. But ...
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| Levy's on personal checking accts. | 5/6/2006 | John Hall |
Q: Can a credit recovery buisness make a levy on my acct. without notifing me first?
A: It depends on what else has happened. If they alrady have a court judgment, your account can be ...
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| liability of ex spouse | 5/6/2006 | Robert Paisola |
Q: I was divorced in Aug. 2002. When I was divorced my wife was deemed responsible for the credit card ...
A: Dealing with spousal responsibilities PRIOR to the divorce is pretty cut and dry. Unless the ...
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| old debts | 5/5/2006 | Kathleen Eads |
Q: i have an old debt that has been owed befor 1995 and thought it was a charge off on my credit ...
A: Lin, Purchasing out of statute debts is very common in the industry and it is COMPLETELY legal. ...
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| Attorney? | 5/5/2006 | Robert Paisola |
Q: Robert - Are you an attorney?
A: Michael, Thanks for taking the time to write to me. Your question is one of my favorite questions ...
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| credit card debt | 5/5/2006 | John Hall |
Q: My husband and I have created quite a bit of debt. The two of us bring home ~$2200.00/month. Our ...
A: Nancy - this would be a lot easier to explain in more detail on the telephone. I will not charge ...
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| credit card collection | 5/4/2006 | Robert D. Mouradian |
Q: I have been unable to make my credit card payments and now I am receiving collection calls saying ...
A: I am licensed to practice law in Michigan. Since this is not a Michigan matter I would encourage ...
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| International Debt Collection | 5/4/2006 | John Hall |
Q: I have a $600 debt with a company based in Munich Germany. I did do business with the company but ...
A: RElax under these circumstances you don't have a whole lot to worry about. They may or may not ...
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| Wont accept payment terms | 5/4/2006 | Robert Paisola |
Q: I really appreciate how you’ve helped so many people like myself who are in need of legal advice. ...
A: Good Morning Alex, It looks to me as if you are getting screwed and screwed hard on this one. The ...
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| International debt collection | 5/4/2006 | Robert Paisola |
Q: I have been dealing with a company in Munich Germany that I did business with online. They charged ...
A: Good Morning Gordon: It is a pleasure to talk with you and I have heard of issues similar to yours ...
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| FEES | 5/4/2006 | Kathleen Eads |
Q: THERE IS AN AGENCY IN GEORGIA THAT IS ADDING 50% ON TOP OF MEDICAL AND OTHER DEBT. IS THIS LEGAL.
A: Michael, While your question is short and concise, there are so many factors that can contribute ...
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| Department store | 5/3/2006 | Robert Paisola |
Q: I live in Connecticut. I had a Filene's credit card and charged a mattress set in 1995 or 1996 ...
A: Good News! The statute of limitations has run on this case. The event happened in 1996 and this is ...
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| Department store | 5/3/2006 | John Hall |
Q: I live in Connecticut. I had a Filene's credit card and charged a mattress set in 1995 or 1996 ...
A: Interesting question. I have an idea how you might resolve this, but it depends on facts that you ...
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| Advice on collection resolution | 5/3/2006 | Robert Paisola |
Q: Paisola, I was a member of a Credit Union in Washington state and moved to Arizona to transfer with ...
A: Helo Robert, Your issue is very common. The answer to this question depands on if the credit union ...
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| debt question | 5/3/2006 | Kathleen Eads |
Q: About 4 years ago my husband and I became seperated at his choice . He continued to send me the ...
A: I would suggest him disputing the marks on his credit with all 3 credit bureaus. (www.experian.com, ...
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| Collection agency suing | 5/3/2006 | Robert Paisola |
Q: I currently reside in California and recently I have received a copy of documents that I am being ...
A: Good Morning Michael, Let me tell you that if you truly have one of the pseudo lawsuit demand ...
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| unsecured debt and a home owner | 5/3/2006 | John Hall |
Q: I am unemployed and currently have very large unsecured debts for credit cards and have stopped ...
A: could i loose my home? Probably not, but that depends on other facts that you do not state in your ...
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| Payday loan collection | 5/2/2006 | John Hall |
Q: I had contacted you back in March regarding this issue and I wanted to tell you about an update. I ...
A: Why would the bill collector act like he did? Perhaps it is nothing more than a frustration at your ...
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| collection law in NY State | 5/2/2006 | Robert Paisola |
Q: 6 months ago i received a call from a collector saying we owed 10,000 on that day i made ...
A: Tracie, What you have done by paying the 500.00 on this account is create a profile of a person who ...
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| credit card judgement | 5/1/2006 | Robert Paisola |
Q: I owed 15,000 on a citibank credit card, debt occured after husband left and filed for divorce in ...
A: Toni, Ok, I deal with the portfolio management department at Citibank all the time, and with a pay ...
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| Clarification of SOL on debts | 4/30/2006 | John Hall |
Q: First, I would like to thank you and the other experts for providing this service. Your expertise ...
A: Both the FCRA (pertaining to how long it stays on your credit report) and the SOL are keyed to the ...
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