About Michael Brotherton Expertise Consumer/Debtor Rights Advocate.
Mike Brotherton is a negotiator with over 30 years experience in consumer lending and collections. Mike has 30 years in the credit and collections industry as a former loan officer, debt collector and manager of two finance companies over several years.
Mike is well versed in Loss Mitigation practices and the legal collection process. He has helped literally thousands of people over many years overcome serious financial problems such as foreclosure, creditor lawsuits and abuse by debt collectors. For more information about resolving your "financial emergency" visit www.financialemergency.com.
FinancialEmergency.com is a consumer web site which actively promotes Fair Debt Collection Practices and other consumer protection laws. We teach DEBTOR RIGHTS and enforcement of those rights. The more informed you are of your rights and the credit collections practices of creditors the more peace you can have dealing with your FINANCIAL EMERGENCY.
Most financial problems are fairly common and as such have some very common solutions. The key is understanding your rights in the collection process and how to enforce them if need be.
Primary business- Debtor Rights Advocacy and Debt Mitigation relating to foreclosure, creditor lawsuits, and other serious financial problems.
www.financialemergency.com (copy and paste in browser).
Experience 30 years experience negotiating disputes and resolving financial issues related to consumer debt, corporate debt, and mortgage restructuriing.
Question My dry cleaners in Boston, MA burned down last week, the day after I gave them $500 of my clothing to be cleaned. I want to find out from them if anything of mine was salvaged in the fire (perhaps my clothing was at an outside warehouse at the time of the fire?) but the building is all boarded up, their phone is off the hook, and I cannot get any more information about their business from City Hall, the Secretary of State, or the Attorney General Office. What are my legal rights in this situation, and what is the next best step?
I would like to firstly find out if my clothing is burned or not, and secondly file a claim with the company's insurance for compensation if my clothing has been ruined.
Thank you very much for any advice you have.
Answer Your secretary of state should have a listing for the company's statutory agent. This is the person of record who would be responsible for recieivng notices of pending legal action or other important communication. If none is listed I would be concerned whether they were a legal business entity.
Locate any names and addresses associated with the business and send certified letters, return reciept and forwarding orders requested.The post office will return the signed receipt and forwarding address to you for future communication. They have a legal responsibility to you so pursue this aggressively. There should also be a tax address with the auditor's office where the tax bills go. Use this as well.
If this doesnt work palce an ad in the paper giving them public notice. Maybe others will see this and contact you with valuable information. I am sure you are not the only one in this position with the company. If they neglect to take care of business file suit in small claims court.
