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Collections Law/Questions
| Subject | Date Asked | Expert |
| Can a hospital disclose my information | 8/3/2006 | Robert D. Mouradian |
| Q: I have a situation where the hospital gave all of my information to their collection agency, is that ... A: I am licensed to practice law in Michigan. If this is a Michigan matter I think I can help you. I ... | ||
| Serving Papers for A Judgement in NY | 8/3/2006 | Kathleen Eads |
| Q: My friend has a judgement against him, that I guess has run out, and now someone is trying to serve ... A: Harold, I'm not an expert on the EXACT legal process when it comes to serving summons & complaint, ... | ||
| Medical Bill collection | 8/3/2006 | Robert Paisola |
| Q: I have received a call today from a collection agency stating that I owe a medical bill from Sept ... A: I apologize for the delay, but I have been doing a seminar in Los Angeles all week (you can look at ... | ||
| hospital bills | 8/2/2006 | Robert D. Mouradian |
| Q: I have several hospital bills from a surgery in march of this year. I have been making monthly ... A: I would suggest that we talk by phone. Please contact me for a complimentary phone conference. You ... | ||
| Out-of-the-blue pre-suit hearing summons | 8/2/2006 | Frank Brewster |
| Q: FYI: My state is Florida if it matters. Out of nowhere I got a summons for a pretrial hearing ... A: Tom, I get involved in the Florida litgation side of things frequently. Presuit summons? Never ... | ||
| placing a lien | 8/2/2006 | John Hall |
| Q: Do I have to take someone to court first in order to place a lien on their property for a debt they ... A: Although there are a few exceptions (like mechanics and materialmens liens), the more common way of ... | ||
| Collections lawsuit | 8/2/2006 | Kathleen Eads |
| Q: My mom put me on her credit card years ago and I charged $1,200 and then defaulted on it. The ... A: Cheryl, First of all, how old is the debt? You only say "years ago" and I'm not sure when you ran ... | ||
| Third Parties | 8/2/2006 | Robert Paisola |
| Q: I had a car repoed in 1999 in 2004 I started to work on fixing my credit so I contacted the original ... A: I apologize for the delay, but I have been doing a seminar in Los Angeles all week (you can look at ... | ||
| debt collection for a parent | 8/1/2006 | Kathleen Eads |
| Q: Now I have a question in regard to the estate. If the parent dies and all the parent has are ... A: Keep in mind, most credit card debt is unsecured. This means secured creditors take 1st place in ... | ||
| debt collection for a parent | 8/1/2006 | Kathleen Eads |
| Q: I want to find out if a parent who has a lot of credit card debt dies, who is responsible to pay ... A: Kim, Depending on the residency of this person and whether or not the person is married will ... | ||
| Credit report and bought accounts | 7/31/2006 | Frank Brewster |
| Q: A little history....I had a credit card that was charged off and closed over 6 years ago. I am now ... A: Melissa, This is a very common problem. It is not illegal for a collection agency to call you and ... | ||
| CREDITONE,L.L.C. | 7/31/2006 | Robert Paisola |
| Q: I had a previous account with American General(2nd Mortgage), which was opened in 1994. I had to ... A: Good Evening Jo Ann, Thank you for taking the time to write to me. I apologize for the delay, but I ... | ||
| American General | 7/31/2006 | Kathleen Eads |
| Q: Kathleen, You've always been so knowledgeable so I have to ask another question. I am not even 30 ... A: Susan, Is the loan secured by property? If so, there may be language in the contract that allows ... | ||
| Phone conversation with collectors | 7/30/2006 | Robert Paisola |
| Q: NCO financial is taking me to court for a 4 year old MBNA credit card debt, that was $100 at the ... A: I apologize for the delay, but I have been doing a seminar in Los Angeles all week (you can look at ... | ||
| When does a statute of limitations clock start? | 7/29/2006 | Kathleen Eads |
| Q: My brother passed away about 7 months ago. He died poor without an estate. Twenty years ago he ... A: Bob, I am in no way, shape, or form a specialist on life insurance, but I DO know debt. I have ... | ||
| Payday loan collection | 7/28/2006 | Robert Paisola |
| Q: Robert, After searching the internet for help, I come to you for advice. I currently have a ... A: I apologize for the delay, but I have been doing a seminar in Los Angeles all week (you can look at ... | ||
| credit card court summons | 7/28/2006 | John Hall |
| Q: i have been served with a court summons from palisades collection llc assignee o providian national ... A: You don't want to get a judgment agaisnt you for this amount for all kinds of reasons, and you do ... | ||
| Legal Process | 7/27/2006 | Frank Brewster |
| Q: My mother and her boyfriend split up, they had a joing Circuit City accoung, which she has tried to ... A: Nath, Thanks for the question. It appears you know that as a joint holder of the account, your ... | ||
| deed of trust on property going into forclosure | 7/27/2006 | John Hall |
| Q: I am in 3rd position on a deed of trust for a property that is being foreclosed upon. 1st position ... A: Be sure that your deed is properly recorded and that you are included in the foreclosure papers. ... | ||
| unfair collection practices | 7/26/2006 | Frank Brewster |
| Q: Collection agency has called my mom, sisters & me saying their investigator's. Telling my family I ... A: Well Daryl...I don't see a question here but I will confirm that based upon the information ... | ||
| credit report | 7/26/2006 | John Hall |
| Q: I'm trying to settle this old bill from a phone company i owed from years ago. The collections ... A: But the guy said IF i paid the full amount he could completely remove it off my credit. He can, ... | ||
| Medical provider contract | 7/26/2006 | Frank Brewster |
| Q: If an in-network medical provider failed to fulfill its contract (with network/insurance), ie. to ... A: I have to ask a question. Who is the contract between? Generally you as the patient have an ... | ||
| Payday Loan | 7/25/2006 | Robert Paisola |
| Q: I got myself in a mess with payday loans. I have been told if i don't pay them back i will be put in ... A: CM Thanks for writing. This issue of going to jail over a non paid payday loan is bullshit. You ... | ||
| Credit Agency Refuses Full Payment | 7/25/2006 | Robert Paisola |
| Q: I am a Colorado resident. Upon review of my credit report, I discovered that a company that I had ... A: This is one situation that I want to personally be involved with. Lets call Mr. King and see what he ... | ||
| Credit card collectors | 7/24/2006 | John Hall |
| Q: There is a credit collector calling me at work all the time and harassing me. I did have the card ... A: This would be easier to talk about on the phone. I will not charge you just to talk on the phone ... | ||
| Judgement Lien Expiration | 7/24/2006 | John Hall |
| Q: A judgement lien was placed on my California property in March of 1996. I was not aware of it, it ... A: This would be easier to talk about on the phone. I will not charge you just to talk on the phone ... | ||
| Outstanding Medical Balance | 7/24/2006 | John Hall |
| Q: I owe a little over $8,000.00 to a hospital and doctors for an emergency appendix removal. This ... A: I owe a little over $8,000.00 to a hospital and doctors for an emergency appendix removal. This ... | ||
| Credit card obligations after death of a parent | 7/23/2006 | Frank Brewster |
| Q: I could not add too much detail to the original question. My mother and I own our home together. We ... A: Michelle, Here is the answer from one of my creditors rights attorneys: If they are Joint Tenants, ... | ||
| Statue of Limitations on Payroll overpayment | 7/23/2006 | John Hall |
| Q: I recently received a call from a collection agency demanding payment for an overpayment of payroll ... A: This would be easier to talk about on the phone. I will not charge you just to talk on the phone ... | ||
| SIK | 7/23/2006 | John Hall |
| Q: OK, I know this is probably a dumb question... Is an old checking account considered an "open ... A: I have had this issue come up before in Georgia and it is not clear which sol applies. this is ... | ||
| Statue of limitations | 7/22/2006 | John Hall |
| Q: Okay back in 2000 I feel behind on my credit card payments, after all the fees and everything I ... A: This would be easier to talk about on the phone. will not charge you just to talk on the phone and ... | ||
| Creditor and Collection Agency reporting same account | 7/21/2006 | Frank Brewster |
| Q: Brewster: The educational Loan was issued when I was in NY and now I currently live in San ... A: Jason, The staute of limitations in California is 4 years written 2 years open. If your ... | ||
| Creditor and Collection Agency reporting same account | 7/21/2006 | Frank Brewster |
| Q: Wells Fargo has posted a potentially negative educational loan account on my credit report back on ... A: Jason, Sorry to hear about this problem. There seems to be more here that I may need to know but ... | ||
| Collection Fees | 7/20/2006 | Frank Brewster |
| Q: Can a collection agency add a processing fee to the balance due on a medical bill if the debt was ... A: Elizabeth, Thanks for the chance to help you. I have attached a section of the Fair Debt ... | ||
| Medical collections on credit report | 7/20/2006 | John Hall |
| Q: Recently I have applied for a refinacing of my home to reduce some debt so I can actually live with ... A: Not true - but what you should or should not do at this point is another matter. Don't make any ... | ||
| collections | 7/19/2006 | Frank Brewster |
| Q: this is a emergency room hospital bill.i pay 100.00 dollars a month. there were two visits so i pay ... A: Debra, The answer is the same, they can turn it over to a collection agency who may very well wind ... | ||
| Regarding Verbal Agreement | 7/19/2006 | John Hall |
| Q: My daughter signed a contract for a "Time Share" which costs her $300.00 per month. This was about 2 ... A: If a time share is treated as an agreement dealing with real propety (and I suspect that it is), ... | ||
| collections | 7/19/2006 | Frank Brewster |
| Q: if i have been faithfully paying a debt can i be turned into collections? A: Debra, Not much information here but I will answer as best I can. Yes. Here’s the real big ... | ||
| Double collection | 7/19/2006 | Kathleen Eads |
| Q: My question is this. Providian National Bank has written off a credit card from me. I received a ... A: Virginia, Providian may have written it off, but that doesn't mean it wasn't placed with an ... | ||
| Judgement | 7/19/2006 | Robert Paisola |
| Q: I need an answer ASAP....tomorrow I close on a refinance deal on my home - however, the refinance is ... A: You may be the fastest person to receive a reply ever! I am sitting in a hotel room in Paris, ... | ||
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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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