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Collections Law/Questions
| Subject | Date Asked | Expert |
| Need a little help here with credit report and collections | 6/9/2006 | John Hall |
| Q: First off I live in Missouri. I pulled my credit report and it is showing a neg from an orgnial ... A: First off I live in Missouri. I pulled my credit report and it is showing a neg from an orgnial ... | ||
| Statute of Limitations | 6/8/2006 | John Hall |
| Q: I have seen 2 different lenghts of time for stautes of limitations ( 4 years and 5 years on ... A: Mr. Stillion: I am not sure of what you mean by your question. Have they sued you already? ... | ||
| Lawsuit for debt | 6/8/2006 | Kathleen Eads |
| Q: I am trying to help alleviate some anxiety for my in-laws and hope you can offer some concrete ... A: Scott, The problem with judgments is that they may look great on the books, but they aren't worth ... | ||
| Paying off a Judgement in NY | 6/8/2006 | Robert Paisola |
| Q: Good day, Thank you for your time, but I have never asked this question, and I read almost ... A: Please accept my apology, as I receive thousands of emails and obviously yours goy classifies in the ... | ||
| Bankrupcy Filed. Now company trying to collect | 6/8/2006 | John Hall |
| Q: I filed Chapter 7 in 2003, In Ohio On Rita which is a company that collects for City taxes, in 2005 ... A: Just because the taxes were listed on your schedules it doesn't necessarily mean that they were ... | ||
| intrest collection fees | 6/8/2006 | John Hall |
| Q: i purchased a mobile home back in 97 had heart problems i could no longer afford the payments.talked ... A: They may be bluffing but maybe not. During the last five years or so it seems like more and more ... | ||
| Can medical bills sent for collection affect your credit? | 6/7/2006 | John Hall |
| Q: Last year I had an expensive medical procedure. Unbeknownst to me, my insurance didn't cover this ... A: Scott - This is a good news/bad news situation. The bad news is that if you don't pay athe bill it ... | ||
| restricive settlement | 6/7/2006 | Robert Paisola |
| Q: i was late in my car payment for over 6 mo..due to lost of my business.. i have send them what i ... A: God Evening David, This is a matter that is very deep and detailed. I have dealt with Americredit ... | ||
| Can The Original Creditor Send Somone To My home | 6/7/2006 | John Hall |
| Q: The OC on an alleged debt has sent somone to my home several times. I asked them not to come back. I ... A: Although this kind of activity is not completely unusual, but it is not all that common either - the ... | ||
| Citifinancial Collections | 6/7/2006 | Kathleen Eads |
| Q: Kathleen, I had an account with Citifinancial. I defaulted on the loan. Recently, they somehow ... A: The collector at Citi needs additional training...the FDCPA indicates the laws apply to "...to ... | ||
| Collection on a commissions? | 6/7/2006 | Kathleen Eads |
| Q: I have recently come across a scenario where a former employee of a company received a commission ... A: It's difficult to lump this all into a specific answer, as employers may have specified contracts in ... | ||
| bindind arbitration | 6/7/2006 | John Hall |
| Q: I recived a discharge under chapter 7 bankruptcy three years ago. Now I have recived a letter saying ... A: The possibilities here: Either the debt in qustion, for one reason or another, was not discharged ... | ||
| Closed States | 6/7/2006 | Kathleen Eads |
| Q: I am attemting to get a hospital collection company in Nevada to validate some bills they have put ... A: I've never heard of this. I know things are much more strict with the HIPAA laws, but if you have ... | ||
| wrong address issues | 6/6/2006 | Robert Paisola |
| Q: How do you get a "closed account" off of your credit report once it has been sent to collections? ... A: As you are aware, Bank One was taken over by Chase. During the merger process a lot of the credit ... | ||
| Is the DLA the date that begins for the SOL? | 6/6/2006 | John Hall |
| Q: I was divorced in 2001, and underwent several medical operations limiting my ability to pay my debt ... A: For SOL purposes, the operative date is the last date of activity (the last date you made a ... | ||
| Credit One via Gateway | 6/6/2006 | John Hall |
| Q: When I joined the military in Jan 1999 i purchased a laptop from Gateway. i Paid it off in almost 4 ... A: Well soldier, call me up and we can talk about how you can respond to these knuckleheads. (I spent ... | ||
| Collections | 6/5/2006 | John Hall |
| Q: I am on social security. I have credit cards, medical bills, & catalog charge accounts. I also have ... A: Ms. Fislar: Don't pay any of them (including the debt management company) any more. There is a ... | ||
| Lease Collections | 6/5/2006 | John Hall |
| Q: The apartment complex that I live in was sold and the new management was unbearable. My lease that ... A: The situation you describe connot be answered with a yes or no answer. On one hand, as you ... | ||
| judgement | 6/5/2006 | John Hall |
| Q: I resided in an apartment complex here in phoenix az a couple of years ago. To make a long story ... A: You have various options here, both in terms of negating this judgment and in terms of a potential ... | ||
| law suit | 6/5/2006 | John Hall |
| Q: about a year and a half ago i was sued by a housing company. for over 3,000. i was served with ... A: Crystal: You have a couple of options that could improve your situation, but I can't say for sure ... | ||
| medical collection am I responsible | 6/5/2006 | John Hall |
| Q: I was recently turned in for unpaid balance on outstanding medical bills. My question is am I ... A: It may very wella be possible for you to avoid paying those debts taht you incurred prior to turning ... | ||
| credit card collection | 6/5/2006 | Robert Paisola |
| Q: I have a judgement against myself for credit cards that last were used and or became delinquent were ... A: Brooke, Thanks for writing me. I have had a long day of media interviews and I am really sick and ... | ||
| Pennsylvania SoL for medical debt | 6/4/2006 | John Hall |
| Q: I am POA for my 76 year old father who lives in Pennsylvania. I have received a collection notice ... A: The Pennsylvania SOL for a written contract appears to be 4 years in accordancwe with 42 Pa. Cons. ... | ||
| what does a lien mean? | 6/2/2006 | John Hall |
| Q: I have several, related questions. My husband's name is the only one on the purchase and mortage ... A: I have several, related questions. My husband's name is the only one on the purchase and mortage ... | ||
| Collection of medical bill | 6/2/2006 | Robert Paisola |
| Q: I have a medical bill from August 2005 state of TN. The collection company said they have sent ... A: Good Evening Kathy, Rule Number One---- NEVER EVER EVER EVER give a Debt Collector your checking or ... | ||
| Final Utility Bill | 6/2/2006 | John Hall |
| Q: I was sent a letter from the utilities bureau, stating that my final bill at my old residence was ... A: Miller: Who knows why they are doing this? Maybe it is just an overzealous collection agent. who ... | ||
| Intent to Sue | 6/2/2006 | John Hall |
| Q: Approx. 3 years ago I had disputed a bill with AT&T and never heard back from them. Now I am ... A: Call me and do it quickly before they get a judgment against you. There are a couple of ways to ... | ||
| Student Loan | 6/1/2006 | John Hall |
| Q: Can my SSI check be garnish for a student loan of any kind. A: That would be very unlikely. First, therre is a federal exemption covering SSI payments (42 USC ... | ||
| Being Sued by Collector | 6/1/2006 | Robert Paisola |
| Q: I received a summons last week at work (I was on vacation at the time and my boss accepted it)and I ... A: The first thing that comes to mind is the validity of the service. I need you to call the court and ... | ||
| Arbitration | 6/1/2006 | John Hall |
| Q: I just received a letter from the National Arbitration Forum stating that they awarded a settlement ... A: If they have gone this far, it is likely that they will sue you for the whole amount prior to the ... | ||
| Being threatened by a law suit from collection agency | 6/1/2006 | John Hall |
| Q: I lost my job and ended up being unable to pay a cc bill. Yesterday I got a rather threatening ... A: The knucklehead that hung up on you did you a favor. If you had paid as you suggested, it would not ... | ||
| Summons for credit card debt | 5/31/2006 | John Hall |
| Q: My husband was served court papers in California for an old credit card in his name only. He had ... A: I am not sure where this idea comes from that if you make a minimum payment to a creditor that will ... | ||
| Garnishment from Attorney | 5/30/2006 | Robert Paisola |
| Q: I have approximately 12K in credit card debt of which most has been charged off. The debt for one ... A: Your question is very timely as we have just posted a CBC News Story that was done on one of our ... | ||
| Can I still file bankruptcy? | 5/30/2006 | John Hall |
| Q: I was in a bad car accident in Oct. 2005. I was not at fault. And the other person had no ... A: Would a chapter 7 bankruptcy discharge the mecdical bills and the deficiency debt for the ... | ||
| Disputed Invoice | 5/30/2006 | Robert Paisola |
| Q: Our small business is disputing a contractors work. Unfortunately, nothing was in writing and all ... A: Ok, now you are talking about a game that I understand VERY WELL! The business of Commercial Debt ... | ||
| medical bills on my collections report | 5/29/2006 | Robert Paisola |
| Q: I am 26 years old and I have never had a credit card, I have had two small signature loans one for ... A: Good Evening Donna, Tonight I am in Houston, Texas and am in the middle of a four day seminar on ... | ||
| sol | 5/29/2006 | Robert Paisola |
| Q: i had a credit card written off in 2001 while i was living in N.C.where the sol is 3 years.i moved ... A: Your letter is somewhat encrypted for people that are not in the Debt Collection Business so I am ... | ||
| Reparing Ruined Credit | 5/29/2006 | John Hall |
| Q: After having bad credit for the past 10 years, I am trying to clean everything up. I want to know ... A: Ms. Vargas - If you can call my cell phone 661 492-2673 we can discuss your various options - ... | ||
| sol laws citibank | 5/28/2006 | John Hall |
| Q: Iam being sued by citi ban ofr 12,000 my limit was 5,ooo. This card is in my name only, their ... A: Ms. Mills: Please call me whenever you like (including today, Sunday May 28th). It will be easier ... | ||
| can a third party collector file suit | 5/28/2006 | Robert Paisola |
| Q: i was informed by the county that i live in that a third party failed suit ,an a default judgment ... A: Good Morning John From Park City Utah! Can you believe it is snowing here! I am glad that you have ... | ||
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Answers by Expert:
Robert Paisola
Top Expert on this page
Expertise
I wanted to take a moment to talk to our clients and readers around the world.
We are facing a VERY SERIOUS and COMPLEX financial disaster in the United States taking place. I am being overwhelmed by victims of companies such as American Express, Nationwide Credit, Allied Interstate, Unifund, and our company Western Capital.
We have also been getting massive exposure from the international media because of the video that we posted on YOUTUBE where we show our live conversation with AMEX and Nationwide Credit. You can see this video at www.MyWesternCapital.com
The Bottom line is that if you have been abused, buy an MP3 Recorder and email us your outline of whats going on. If we accept you, you will be required to pay 500.00 via PayPal.com to robert@mycollector.com and we will do the same for you as you see in the video. I will only take 5 clients a week, because of my speaking schedule.
Again... If you have been scammed, I will personally assist you. If you are a business owner visit my special message for you at www.westerncapitalturnaround.com and send your specific details also to vip@westerncapitalturnaround.com
To your Success,
Robert Paisola
www.RobertPaisola.com
801-619-4700 or 1-877-517-9555
As the CEO of Western Capital MyCollector.com , based in Salt Lake City, Utah, Robert Paisola has been distinguished as a foremost expert in the field of debt collection, credit, creditors rights and collection agency administration. Having appeared on many national news and information programs, Mr. Paisola is the expert the media turns to when a creditor/ debtor issue becomes HOT! Check out the web site at www.mycollector.com for more information. If you have a special situation that you need personal assistance with, simply visit www.WesternCapitalVIP.com and you will be on your way to resolving your crisis!
Experience
Past/Present Clients
Fotogenix Corp.
The Trump University Affiliate Program
The Walt Disney University
The Holiday Inn Corporation
www.MyCollector.com
www.MySpace.com/westerncapital
www.WesternCapitalFinancial.com
www.tstndirect.com
www.WesternCapitalCredit.com
www.RobertPaisola.Net
www.RobertPaisola.Com
www.RobertPaisola.Org
CEO, The Success Training Network
The Hilton Hotel Corporation
Investigator: The Franklin Squires Educational Program
REIS: Real Estate Investor Support
www.RESuccessGroup.com
Member: International Association of Investigative Reporters
The James Smith Real Estate Organization
The Impact Trainings Program
VantageScoreFacts.com
Russ Whitney Education Group
Wealth Inteligence Academy
Edutrades Inc.
MIT Money In Training
James Smith, Real Estate Mentoring
Toyota Motor Credit
GMAC Mortgage
Criminon International
Nortel Networks
Chase Bank
GE Capital
IHC Healthcare
Arthur Andersen
ExTerra Credit
US West Dex
Qwest Corporation
Goldman Sachs
E*Trade Bank
Boeing, Inc.
Chase Bank
BayView Financial
Xerox Corporation
Banco Popular
Ralston Purina
Credit Suisse First Boston
NCO Financial Services
American Premier Holdings
Prudential Preferred Receivables
US Sales Corporation
OSI Collections
Countrywide Home Loans
Hibernia National Bank
United Way
ViewSonic
Alpha Therapeutic Corp.
Merle Norman Cosmetics
Hobbs Herder Advertising
Over the past few years as I have been able to assist many of you in this and other varous forums, I have been asked over and over about the possibility of hiring me personally to resolve your specific issues.
If your situation is one of crisis - losing a home, serious collection stress, attorney involvement, tax issues, etc, a reduced rate can be provided for direct one-on-one help.
In matters where you have a lot to lose, it may be wise to call our offices at 1-877-517-9555 and ask for Lisa to see if she can set you up as a private client.
Due to my extensive travel schedule, I will not always be able to take all cases, but my goal is to assist as many people as possible.
Most of the time, we get results very quickly and we cut through all the red tape.
Are you the owner or manager of a credit and collections department? Visit www.mycollector.com and spend some time looking around.
You can now have Have Robert Paisola provide on-site training for your collectors and call center employees.
Just Call Western Capital at 1-877-517-9555 for more information or email Robert at trainings@mycollector.com
Finally, If you feel like your life is running in circles and you feel like you have lost all hope, check out Impact Trainings in Utah at www.impacttrainings.com and tell whomever you end up talking with that I personally sent you. I PERSONALLY recommend this program to all of my students, It may be the biggest challenge you ever face...YOU!
UPDATE 7-2006 We are noticing that many of the complaints that you have are against debt collection companies.( Listen to the calls at http://www.WesternCapitalTurnaround.com and you will clearly see that we may be able to assist you.
If you are looking for an attorney to merely churn papers, then I am not the solution. If you are mad as hell and want RESULTS email me now at robert.allexperts@mycollector.com and lets talk. You can also visit http://www.WesternCapitalVIP.com
WOW! I feel like I never get any sleep! YOU ARE MY CAUSE! I LOVE WHAT I DO! But, Sometimes CONFLICT is necessary to PROTECT YOU. JUST GO TO THE SITE AND BE PREPARED TO BE BLOWN AWAY!!!!!!
Also, please take the time to provide your feedback and understand that I WILL ALWAYS REPLY, and take that into consideration when you rate for answering your question QUICKLY!
I have logged in from seminars in India, Germany, Hong Kong, The United Kingdon, China, Japan and all over the world to assist YOU in a timely manner!
Please Visit www.RobertPaisola.com for all of the details!
We are taking this mission very seriously and have received over 2 Million Hits on our site at www.MyCollector.com in the past 90 days.
That shows that YOUR VOICE IS BEING HEARD!
Finally, let me say that I am honored that you are taking the time to read this. We have worked very hard to create CHANGE in the collection industry and we know that you have many choices on this incredible site to submit your questions to, and I am more than happy to assist you! Just Please provide the positive feedback when you receive a reply!
UPDATE- 4-2007 LISTEN TO A LIVE 3 STAGE CALL to ALLIED INTERSTATE AND INTELLIRISK- AS THEY VIOLATE FEDERAL LAW....WITH ROBERT PAISOLA! Robert Paisola wins $30,000 in FDCPA Damages in 45 Minutes! GO TO www.MyWesternCapital.com/news_allied.html NOW! This is a LIVE AUDIO FEED THAT WILL GIVE YOU AN IDEA HOW YOU HAVE TO DEAL WITH COLLECTORS WHO CROSS THE LINE. IF YOU HAVE HAD PROBLEMS LET US KNOW!
UPDATE OCTOBER 2006- NATIONWIDE CREDIT IS NAILED TO THE CROSS BY ROBERT PAISOLA FOR MULTIPLE FDCPA VIOLATIONS- CLASS ACTION LAWSUIT IN PROCESS- MILLIONS TO BE PAID! LISTEN TO THE LIVE CALL AT MYCOLLECTOR.COM
January 2007- Update- It is ESSENTIAL that you understand that ANY question that you ask is NOT being asked to AN ATTORNEY! That is the great benefit of being able to provide you, my readers, with straight forward answers. If you have ANY questions about this Disclaimer... then email us and we will provide you with a formal letter of Clarification from The State Bar Association.. So, If you are happy and understand this.... Ask Away! Also, because of the large volume of mail that I receive from around the world, it may take up to a week to get back to you, PLEASE UNDERSTAND THIS!!! I do seminars and travel all over the world, so Please be kind in your ratings of Timeliness! If you have an emergency, go to www.WesternCapitalVip.com Immediately!
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