| Subject | Date Asked | Expert |
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| 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 ...
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| 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, ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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, ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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, ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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), ...
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| 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 ...
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| 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 ...
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| 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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