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Collections Law/Questions
| Subject | Date Asked | Expert |
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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 ... | ||
| 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. ... | ||
| 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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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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