| Subject | Date Asked | Expert |
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| creditor suing me | 6/21/2006 | John Hall |
Q: I just received a letter from the municipal courts last nite that i was being sued over a debt that ...
A: If you are going to be buying a home in the next few months, you are going to have to be careful ...
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| credit card collection/lawyer | 6/21/2006 | John Hall |
Q: We have recently been contacted by a law firm regarding a credit card balance. We have attempted to ...
A: They are not obligated to attempt to settle this case with you, but under the circumstances, their ...
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| car repo | 6/20/2006 | John Hall |
Q: i turrned a leased car back in to dealership that was daughters. I only had car for about 6 months. ...
A: You have a couple of options here (neither of which involves paying them any more), but it would be ...
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| Collections Going After the Money You Have in the Bank | 6/20/2006 | John Hall |
Q: I aquired some debt about 6 years ago in Nevada and currently reside in California. I would like to ...
A: With very few exceptions, generally a creditor must get a judgment in court against you before it ...
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| Harassing Creditor for deceased mothers account | 6/20/2006 | John Hall |
Q: Good Morning; My name is Heidi Hagan and I live in Oviedo, Florida. In 3 weeks my mother will have ...
A: There is an easy way to take care of this once and for all, and it will not cost you a dime - you ...
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| Being Sued by Collector | 6/20/2006 | Kathleen Eads |
Q: I received a summons at the end of May (I was on vacation at the time and my boss accepted it but ...
A: Melanie, I think you have sound reasons to continue to dispute the bill, and I would send a ...
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| Can I settle a judgment for less than the amount listed? | 6/20/2006 | John Hall |
Q: I have two judgments rendered against me. One is 5 years old and one is from last year. The first ...
A: A negative entry can be deleted by the creditor, but it won’t. They promise to do this all the ...
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| 90 day preference | 6/20/2006 | John Hall |
Q: 30 days prior to filing bankruptcy I took an insurance check (made out to me and my landlord and the ...
A: I am not altogether sure what has happened here - for example, I don't know what you mean when you ...
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| Summons | 6/20/2006 | John Hall |
Q: I have been served a summons and have to file a written answer quick. It started about 5 years ago ...
A: Call me if you like. I may be able to help you so that you don't get hurt while your attorney is on ...
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| SOL in KY for Credit Card Debt | 6/20/2006 | John Hall |
Q: I have been told 15 years, 5 years, 7 years, what is it?
A: Your Kentucky limitations statutes are generally found at section 413.080 et seq of the Kentucky ...
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| Mitigating damages | 6/19/2006 | Robert Paisola |
Q: If a tenant breaks a commercial lease agreement, does the Landlord have to mitigate damages? What ...
A: This is a complex issue, and I will try to be as clear as possible. 3 of the tennants of the 5 ...
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| Medical Collections | 6/19/2006 | John Hall |
Q: Last month I had surgery on my hand for carpel tunnel syndrome. Before seeing the doctor who would ...
A: Under the circumstances you describe, there are at least two wsays that you can avoid this disputed ...
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| judgement liens | 6/19/2006 | John Hall |
Q: I live in Indiana. My wife racked up approx. $65,000 in credit card debt all in her name except one ...
A: This would be a lot easier to explain on the telephone. Based on what you have said, you have ...
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| voluntary repossession | 6/18/2006 | John Hall |
Q: I had a vehicle that I could no longer afford. I contacted the lender and returned the car. I did ...
A: Settling this with the creditor or the collection agency that says you owe the money would be the ...
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| bills | 6/17/2006 | John Hall |
Q: someone in my family very behind on there loan house. and send a letter that has 7 days till ...
A: Call me tomorrow on my cell phone. 661 492-2673 There is a way to stop the foreclosure, or at ...
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| Paying a Settlement | 6/17/2006 | Robert Paisola |
Q: An AZ collection agency, using a collection atty in CA, got a default judgment against mom. Mom ...
A: DIANN, Hello today from the Country of India, I am here doing a collections training and the time ...
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| Citifinancial Collectors- A bunch of animals! | 6/16/2006 | Kathleen Eads |
Q: Kathleen- I spoke to the attorney today and he stated that I do have a case, however, he wants me ...
A: Susan, Citifinancial has offices all over the country, so it would be hard for me to track down ...
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| Charge off bought by collection agency | 6/16/2006 | Robert Paisola |
Q: Maybe you know the answer to this. I had an account with JC Penny. I owed them about $13000.00 and ...
A: Mary, I would love to be involved in that discussion with the collection agency. Goto my site at ...
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| Citifinancial Collectors- A bunch of animals! | 6/16/2006 | Kathleen Eads |
Q: What kind of attorney should I speak to? Also, would I sue for the 3rd party violation and ...
A: You'll need to look up attorneys in your area. Call around, let them know what's happened, and talk ...
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| Citifinancial Collectors- A bunch of animals! | 6/16/2006 | Kathleen Eads |
Q: I am not going to pay on this loan... they have already charged it off on my credit report. They ...
A: Consult with an attorney and get a professional opinion. Some attorneys are willing to handle ...
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| Placing a Lien on someones property | 6/16/2006 | John Hall |
Q: I have been owed a debt of $4300.00 for over 3 years. The subject admits to the debt and keeps ...
A: There are many types of liens that could potentially be placed on a person's property, but what kind ...
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| Citifinancial Collectors- A bunch of animals! | 6/16/2006 | Kathleen Eads |
Q: These people are ruthless! You answered my question about them before...the one about them violating ...
A: I'm not sure what the limitations are with the credit inquiries, but it sounds excessive. You may ...
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| I'm paying, but they keep harassing | 6/15/2006 | Kathleen Eads |
Q: I have a past due bill from a medical provider from last September. The past year, we've had a huge ...
A: Steve, I get asked this a lot. "I'm paying something, so they need to leave me alone." I'd ...
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| garnishment amounts way to high | 6/15/2006 | John Hall |
Q: I have several garnishments against me. What I notice is a five dollar debt is charged $550 through ...
A: Rather than spending a lot of time and effort challenging the amount of the garnishment, you may be ...
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| repossession | 6/15/2006 | Kathleen Eads |
Q: My son recently surrendered his Jeep to the bank , he was unable to make the payments. The repo ...
A: Tracy, What's the old saying..."possession is 9/10ths of the law."? I would have a problem if ...
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| ssi | 6/14/2006 | John Hall |
Q: could the irs garnhee my social security disabilty
A: Generally speaking, no. But it depends on facts you don't state in your question. Here is one of ...
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| Fighting a Collection Agency | 6/14/2006 | John Hall |
Q: I bought vertical blinds back in September 2004. I disputed the charges with my credit card company ...
A: bought vertical blinds back in September 2004. I disputed the charges with my credit card company ...
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| Agency posting to credit agency with different date | 6/14/2006 | Robert Paisola |
Q: My wife and I are in the process of purchasing a home, when the financer ran our credit report it ...
A: Linwood, This is easy. I want you to go to my site at www.MyCollector.com and watch the CBS NEWS ...
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| Debt in one state/currently live in another | 6/14/2006 | John Hall |
Q: I have a Citi account that was recently sold to Unifund. The Citi account per my credit report and ...
A: I don't know what it is but something is going on with Unifund. I never even heard of them until ...
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| chapter 13 bankruptcy dismissal | 6/14/2006 | Robert Paisola |
Q: my dad had to do this because his payments were to high therfore his wife passed away last year he ...
A: Great to hear from you. If your dad is on SSI and he stopped making payments to the trustee on the ...
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| Financing dispute. | 6/14/2006 | Robert Paisola |
Q: I had a dispute about the amount owed on a vehicle loan. Instead of owing three remaining payments, ...
A: Good Morning Dennis from the Country of India! I will be here all week doing a seminar for ...
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| home buying with a vehicle repossesion on my credit report | 6/13/2006 | John Hall |
Q: No they offered the $7,000 and we agreed to it but when we tried to confirm it with the ...
A: If your goal here is to to get these people to quit calling you, that can be easily handled with ...
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| Can I be sued? | 6/12/2006 | Kathleen Eads |
Q: I am continually being plagued by a Florida law office about a credit card debt that has been just ...
A: DeeDee, They can attempt to collect forever; however, they can only sue you for a limited amount ...
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| Unifund / Local Law Firm Attempting to Collect an Old Debt | 6/11/2006 | John Hall |
Q: I quit paying on my credit card several years ago due to unemployment. Since then, I've gone to ...
A: How a civil court judgment would or would not affect you would be much more easier to explain on the ...
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| medical bills | 6/10/2006 | John Hall |
Q: I recently have had quite a few medical tests done and am not finished yet. I am wondering what the ...
A: You will not find a law or case saying what you have heard about the minimum payment prohibiting ...
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| Judgement | 6/10/2006 | John Hall |
Q: What does it mean when a judgement is filed by a bank for an unsecured debt that is 97 days past ...
A: If you are being threatened with a court judgment, the way it usually works is that you are served ...
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| Being Sued by 3rd Party | 6/10/2006 | John Hall |
Q: I was served notice to appear in court yesterday for a debt that was charged off sometime back in ...
A: You have a couple of options here on dealing with this lawsuit, but which one you choose depends on ...
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| Ring Purchase | 6/10/2006 | Kathleen Eads |
Q: I was dating a girl that wanted to get engaged over a year and a half ago. She wanted a ring and ...
A: Albie, Although it sounds as though the ring is your responsibility, I don't think they can ...
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| Calling neighbors | 6/9/2006 | Kathleen Eads |
Q: I am past due on my vehicle and I am working on getting the $4000 balance paid off. When the major ...
A: Deborah, Give them a number where they can reach you and they might stop calling your neighbors. ...
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| Clearing my credit report | 6/9/2006 | Robert Paisola |
Q: I have an item on my credit report from April 2002 which has been written off as a bad debt and sent ...
A: Good Morning Paul, Thank you for taking the time to write to me regarding your situaton with your ...
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