About John Hall Expertise Law school graduate, Juris Doctorate (J.D.) Degree; Over 25 years of
experience throughout the United States in bankruptcy law matters (Chapters 7, 11, and
13 of the United States Bankruptcy Code) primarily representing individual
debtors with consumer debt or small businesses; Experience has included all
aspects of debtor/creditor relations.
Experience FREE BANKRUPTCY HELP. If you are being sued, if your home is being foreclosed, or if you are being harassed by bill collectors, filing for bankruptcy may be a quick and inexpensive solution.. The mere filing of a bankruptcy will operate as a federal court order (it is called an automatic stay) to stop all bill collection efforts, including lawsuits that are pending or ongoing. Bankruptcy is a legitimate way to meet your problems with debt head-on. The bankruptcy law is designed to give you a second chance to make a new start without the psychological and financial burden of pressing debts that you are unable to pay. Depending on what state you live in and what your assets are, it is very unlikely that you are going to have to lose anything if you file for bankruptcy, and this is something that you can do immediately without having to pay the $500 to $1,500 attorney fees that most attorneys charge. Also, you might be surprised that you can file for bankruptcy and that it will not have the devastating effect on your credit that most bill collectors describe. Life is too short to have all this anxiety over losing your car through repossession, getting evicted from your home, or losing your home through foreclosure. Bankruptcy law was designed to give you a second chance. I will not charge you just to talk on the phone. Call me at 432 853-5711, or send me an email at j_h14@hotmail.com with your telephone number, and I will call you back.
Question I live in Virginia and obtained a payday loan online from a company in CA. I was unable to repay and was sent to a collection agency in Florida who keeps calling me and saying they will have me arrested for bank fraud if I don't pay in 5 days. Is this something they can do or are they just trying to scare me. They called my work and the girl that answered the phone said they told her they had a warrent for me. Are they telling the truth.
Answer Ms. Reynolds:
Relax - if they had a warrant, they wouldn't be threatening you with it - as a matter of fact, what they are doing is illegal (threatening criminal aciton to collect on a civil debt).
They are simply not telling the truth. Although there are laws that provide that writing a hot check is a crime, you are not in that situation. They took a post dated check and to prove a crime they would have to show that at the time you made the check you knew that it was not going to be any good. Even in the states that prosecute bad check writers, they would not go after you for a payday loan. What this boils down to is that you took out a loan and didn't pay it back - period.
What do you do to get them to back off? You have a couple of options - One, if you write a ltter to the collection agency and say that you are directing them to not contact you further under the Fair Credit Reporting Act (a federal law), they must cease collection efforts.
You still owe the money, and if you wanted to get rid of that debt and any other unsecured nonpriority debts you might have (credit cards, personal loans, etc.), there is a way you could do that. If you wnated to talk to me further I could call you if you wanted and would not charge you just to talk on the phone. If you want to talk to me on the telephone, send me your telephone number at this email J_H14@hotmail.com or you could go there and I could give you my number for you to call me.
