| Subject | Date Asked | Expert |
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| Sent to collections even after I was making payments | 7/2/2006 | John Hall |
Q: I moved from an apartment complex due to being pregnant and needing more space for all my children. ...
A: Don't pay them any more. Send them this letter. You will have to put the right names and addresses ...
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| Arbitration on a credit card debt. | 7/2/2006 | Robert Paisola |
Q: I live in Texas,Married with a Mortgage. I'm unemployed at the moment & so is my husband(last ...
A: MELENA- Can you please leave positive feedback on the www.allexperts.com site for me? : ) Rob Hello ...
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| re-aging- PROVIDIAN- PROTFOLIO RECOVERY | 7/2/2006 | Robert Paisola |
Q: i received a letter from PORTFOLIO RECOVERY ASSOCIATES, stating i owe 1272.53 for PROVIDIAN BANK. ...
A: This is a real serious issue that we deal with daily on our site at www.MyCollector.com I want you ...
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| Debt responsibility when a death occurs | 7/1/2006 | Robert Paisola |
Q: My wife, kids, and I have recently moved back into the house that I grew up in. My mother is ...
A: The first problem that I see is the 30% loan. If the loan is tied to the property then you will ...
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| NCO student loan collection | 7/1/2006 | John Hall |
Q: I have a student loan that was sent to NCO for collection. I have a co-signer and so the debt is ...
A: You are dealing with the most aggressively ignorant and dishonest bunch of bill collectors that I ...
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| Sued by Unfiund CCR | 6/30/2006 | John Hall |
Q: I just ran across your name while doing a search on "Unifund is LVNV Funding". I am not sure if ...
A: Call me this weekend if you want to discuss this further. 661 492-2673 I will not charge you just ...
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| credit card collections | 6/30/2006 | John Hall |
Q: I have been contacted by a law firm representing Unifund Collections for a charged off credit card. ...
A: Usually when a collectin agency or law firm threatens a law suit it is just that, a threat. But in ...
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| credit card collections | 6/30/2006 | John Hall |
Q: I got a credit card under my husbands name.I did not tell him about it at the time.I lost my job and ...
A: Not to worry so much. The collection agency is bluffing about anyh violation of the law here. ...
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| Do I have any recourse? | 6/30/2006 | John Hall |
Q: Late last year I was visiting in AZ when I ruptured 3 disks in my back and had all the residual ...
A: When you get this respnse to your question at this service (allexperts.com), make a copy of both ...
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| collections | 6/30/2006 | Robert Paisola |
Q: how long do collections stay on your credit report
A: Jini, I get this question a lot, so I am going to provide you with some very detailed information. ...
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| being sued? | 6/29/2006 | John Hall |
Q: I received a letter from an attorney that has bought a debt from a credit card. The attorney filed ...
A: There are several very good reasons why paying this attorney (or his client) anything in ...
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| Collection Attorney Harrassing Me | 6/29/2006 | John Hall |
Q: My problem is that I owe a credit card debt. About $9k. I have not filed bk, and I intend on ...
A: This will be easy to deal with. Call me at 661 492-2673 and I can show you in a minute or so how ...
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| What should I do? | 6/29/2006 | John Hall |
Q: I am in the state of Nevada, Las Vegas. I had an apartment with my cousin from Sept. 11th 2004 until ...
A: This is not going to be a major problem. Don't pay them anything more. Call me this weekend and we ...
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| payday loan | 6/29/2006 | John Hall |
Q: i got a payday loan a couple of months ago, was paying the renewal fee on time, i'm on disability so ...
A: Don't pay them a dime, and get your money out of your bank account so they can't take it. Change ...
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| Collections Law Firm - Am I being sued or called to court? | 6/29/2006 | John Hall |
Q: I received a Case Management Statement and a Request & Declarationf for Continuance from a law frim ...
A: This is not as complicated as it may at first seem. They dropped the ball getting you served and ...
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| mechanics lien threat | 6/28/2006 | John Hall |
Q: Mr. Hall, I am remodeling a home and hired a drywall contractor. The bid was for 2390.20 and stated ...
A: Far from it. You have a good argument that based on their statement to tou where they clarified ...
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| Collections | 6/28/2006 | Robert Paisola |
Q: I am being asked to call delinquent tenants and state that I am a collector attempting to collect a ...
A: Johnny. Thank you for writing to me on this most serious matter. It sounds like your employer is ...
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| Medial Debts and Minors | 6/28/2006 | John Hall |
Q: When my husband and I divorced he was made responsible for all medical bills for our 2 children. My ...
A: There may be an Ohio law that says that, but I doubt it. Not knowing about Ohio law specifically, ...
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| My Mother's medical expenses | 6/28/2006 | Kathleen Eads |
Q: My mother recieved a bill from the hospital for some testing she had to have done several months ...
A: Move past the guy she talked to and ask for a supervisor. They will normally work with you, and ...
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| Old debt | 6/28/2006 | John Hall |
Q: Today in the mail I recieved a notice stating my wages are to be garnished. The original date of ...
A: If you don't want to lose any of your pay, call me quickly. this is a situation that can be dealt ...
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| old debt | 6/28/2006 | Kathleen Eads |
Q: I Hade an Optima card that was cancelled by the lender in 1987 with an open balance of $3000.00. ...
A: Paulm, It sounds as though this bill's statute should have expired YEARS ago. I've included a ...
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| school collections | 6/28/2006 | Kathleen Eads |
Q: I attended a private college for one class that lasted one month and decided to change my course of ...
A: Marni, Send a letter NOW disputing the amount based on the fact you were only in class a month. ...
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| sears calling seven times a day and more | 6/28/2006 | Kathleen Eads |
Q: I set up payment arangements with a supervisor,to pay sixty dollars now then 2nd week in july to ...
A: Send a certified letter, return receipt requested (to show they got it) with your payment. Outline ...
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| Payday loan company is garnishing wages | 6/28/2006 | Kathleen Eads |
Q: My husband and I got a payday loan through 200cash.com. After receving it, my husband had surgery, ...
A: Stacey, If you signed on his behalf and you live in a community property state (where all debts ...
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| Summons for old credit card debt | 6/28/2006 | John Hall |
Q: I live in New York City. I received a letter in the mail from Mel S. Harris and Associates stating ...
A: So, to sum it up, it is now 35 days since the date of 5/22/06 on this copy of this supposedly ...
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| Law firm collecting | 6/27/2006 | Robert D. Mouradian |
Q: Good evening: My husband has a small cc debt of $495. This account was written off in June/2002. At ...
A: I am licensed to practice law in Michigan. Since this is not a Michigan matter I would encourage ...
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| Law firm collecting | 6/27/2006 | Robert Paisola |
Q: Good evening: My husband has a small cc debt of $495. This account was written off in June/2002. At ...
A: Shirley, Thanks for writing me on this topic. There is only one person who has the answer to ...
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| Law firm collecting | 6/27/2006 | Kathleen Eads |
Q: Good evening: My husband has a small cc debt of $495. This account was written off in June/2002. At ...
A: Shirley, Technically, they can attempt to collect forever; however, they only have legal recourse ...
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| debt collection | 6/27/2006 | John Hall |
Q: can a debt collector go into your checking account with out you knowing and how would they get your ...
A: These days there is no telling how they could get your bank account number, but I don't suspect that ...
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| Credit card summons | 6/27/2006 | John Hall |
Q: I just recieved a summons to appear from a 3rd party who bought a credit card account of mine I had ...
A: If you settle with these people or make any kind of partial payment, it may be the WORST thing you ...
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| Statute of limitations on hospital bills | 6/27/2006 | John Hall |
Q: I was contacted today by a hospital in Illinois that I have not been to since 2001. They claim that ...
A: Mr. Smith: Good morning. You have a couple of options here, but what you decide to do depends on ...
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| Collections | 6/26/2006 | Kathleen Eads |
Q: I am from Washington (state). I just received a collections letter for $381 from my old apartment's ...
A: Jacob, With consumer debts, you have 30 days to dispute the billing. Ask, in writing (certified, ...
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| Debt collection of deceased spouse | 6/26/2006 | Kathleen Eads |
Q: I received a letter from a collection agency on Friday June 23, 2006 requesting payment of a debt ...
A: Alice, Technically, a creditor can attempt collections forever; however, they only have legal ...
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| judgements | 6/26/2006 | John Hall |
Q: got served for a credit card bill and the court date is August 6, 2006. I sent to the collection ...
A: Your request for validation, apparently made under the provisions of the federal Fair Credit ...
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| past credit card debt | 6/25/2006 | Kathleen Eads |
Q: 3 years ago my ex-husbands accounts showed up on my crdit report, therfore my on personal credit ...
A: tamila, I'm a little confused. Your APR went to 23% and they wrote off the account? But then you ...
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| Ex's bankruptcy | 6/22/2006 | John Hall |
Q: My ex husband tried to file a chapter 13, and failed, then converted to a chapter 7, it is going to ...
A: Lot of important facts here that are not apparent from your question. For example, why is the ...
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| debt satisfied!!!! | 6/22/2006 | Kathleen Eads |
Q: What do we do when we have satisfied a debt and yet the company keeps selling it to different ...
A: Check your credit report to see if it's listed as a paid item. If it's not, dispute the matter with ...
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| LTD Financial Services collection- next steps? | 6/22/2006 | John Hall |
Q: I fell behind on a $2,800 line of credit with Citibank. It was turned over to LTD financial ...
A: Don't pay them a dime more. You have alternatives here, and most of them DON'T involve paying these ...
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| Student loan collection | 6/22/2006 | John Hall |
Q: II receiver a letter from a collection agency stating that I owed more than $10,000 on a student ...
A: Whoever told you that is "mistaken". Call me and I can explain how hyou can get them to respond. ...
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| return check fee | 6/21/2006 | John Hall |
Q: what is the maximum penalty a business can charge for a return check in michigan? a business has ...
A: Some states have maximums set by law, and some don't. To find out for your particular state, your ...
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