| Subject | Date Asked | Expert |
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| Collections | 6/16/2008 | Michael Brotherton |
Q: I saw a response to a question posed from another individual who had taken an online payday loan ...
A: You have done the right thing. If your boss needs to verify this is a scam have him call me. If this ...
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| Escrow Account | 6/13/2008 | Michael Brotherton |
Q: My question is a two part questions. A little background of my situation, I sold my home in Feb, ...
A: No, you do not need to release the escrow, however I see no benefit or reason to hold the funds if ...
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| US National Bank | 6/6/2008 | Michael Brotherton |
Q: Brotherton: Last evening I received a telephone call from US National Bank threatening me with ...
A: First, US National Bank does not exist. This organization is a scam. They have harassed people into ...
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| Misleading Quote | 5/30/2008 | Michael Brotherton |
Q: I am a film student currently studying at an academy in New Zealand. Over the last couple of months ...
A: Unless you initiated changes to the order then the only thing I would think you would be responsible ...
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| Business Loan | 5/29/2008 | Michael Brotherton |
Q: I am a business partner with 3 other people in a small business that was started 10 years ago. 5 ...
A: What is the legal structure of the company? Is this an S Corp or straight partnership? If the ...
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| Garneshment after Chapter 13 is confirmed | 5/27/2008 | Michael Brotherton |
Q: I filed for Chapter 13 Bankruptcy back in 2006, the stay was imposed and sent to all creditors, plan ...
A: Contact your attorney and/or the trustee and advise them the creditor is violating the stay. This is ...
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| Requesting to be bought out by partners | 5/25/2008 | Michael Brotherton |
Q: I am in a total mess. A large part if this is my fault for not getting anything in writing. A ...
A: It sounds like to me that you may have a case as long as you can provide documentation for the terms ...
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| Lied to to open CC account | 5/19/2008 | Michael Brotherton |
Q: I had received a credit card offer last year and received my card and noticed that there was an ...
A: I'm afraid unless you have it in writing you cannot prove they waived the fee. You can try climbing ...
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| US National Bank | 5/13/2008 | Michael Brotherton |
Q: I received a call from a Don Wilson with the Financial Crime Division unit regarding a payday loan ...
A: PLEASE DON'T GIVE THEM ANY MORE MONEY. This is a scam. You will need to close that account and open ...
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| us national bank | 5/9/2008 | Michael Brotherton |
Q: they will not give me any information and when i say who do i pay they tell me to go to a moneygram ...
A: This is definately a scam. Do not panic. They cannot do anything to you. They are just trying to ...
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| Unauthorized Credit Card Charges | 4/24/2008 | Michael Brotherton |
Q: It was necessary for my daughter to stay in a motel after being discharged from the hospital after ...
A: You are probably correct that they are scamming you and have probably done so to others. First, try ...
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| Wage garnishment from 1995 | 4/19/2008 | Michael Brotherton |
Q: I really hope you can help with this. My problem is my wages are being garnished for a debt that is ...
A: I take it you also have another full time job. Depending on your state, and I am not clear where you ...
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| VOLUNTARY REPOSESSION | 4/17/2008 | Ontrack Financial Group llc |
Q: I filed bankruptcy about 1 year ago. I needed a car after and got into a high interest sub prime ...
A: Mary, We understand your position. Believe it or not your rebuilding your credit. The bankruptcy ...
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| Unauthorized charge to debit card | 4/13/2008 | Michael Brotherton |
Q: I live in California. In January, I bailed out a relative and paid $800 down and signed a contract ...
A: You took the words out of my mouth. If the company doesn't take immediate action file suit. First, ...
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| Payday Loan | 4/10/2008 | Michael Brotherton |
Q: and he owed them money. Well on 4/9/2008 he received three theating calls from some guy that he ...
A: THIS IS A SCAM! Do not believe a word they say. Your son is not going to jail and there is no US ...
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| US National Bank Pay Day loan | 4/5/2008 | Michael Brotherton |
Q: Can charges be filed in Texas against me for not paying these loans because my account had to be ...
A: Do not give them banking information. This is a scam. I have received numerous calls and letters ...
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| non-refundable deposit on a lease | 4/3/2008 | Michael Brotherton |
Q: I paid a deposit to secure a lease. She wrote on the receipt "non-refundable if you change your ...
A: If you didn't sign anything and it was not disclosed to you previously you may be able to get it ...
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| calls | 3/29/2008 | Michael Brotherton |
Q: I received a call from a man stating I owed a large amount of $ would not give me info told me it ...
A: You are probably correct that this is a scam to get you to pay money you don't owe. I have received ...
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| Am I responsible? | 3/22/2008 | Michael Brotherton |
Q: I own a small gym in a small town in Florida. Several months ago I received a call from "A" company ...
A: Write them and demand they cease all contact and advise them you intend on filing suit against them ...
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| Answering a summons | 3/21/2008 | Michael Brotherton |
Q: I received a summons on March 16th, 2008 from a company called Unifund Certified Partners. It ...
A: I am very familiar with Unifund. The problem is they are very aggressive in pursuing legal action ...
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| veh. repos. | 3/19/2008 | Michael Brotherton |
Q: I cosigned on a loan for my stepson on or about June 2007, and I have had to make several payments ...
A: In order to take possession of the vehicle he would have to voluntarily surrender the vehicle to you ...
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| Credit Card fee in dispute | 3/17/2008 | Michael Brotherton |
Q: On a recent trip to Italy, my wife purchase some items for a total of a little over $400 US. She ...
A: If you haven't received the merchandise and they will not respond to e-mail or phone calls I would ...
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| Theft of Property Real and Personal | 3/16/2008 | Michael Brotherton |
Q: NJ- How can I have money returned that was taken illegally by banks and also several debt ...
A: You may go to google or yahoo and type in petition to reopen case in your state. You may get some ...
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| Theft of Property Real and Personal | 3/15/2008 | Michael Brotherton |
Q: NJ- How can I have money returned that was taken illegally by banks and also several debt ...
A: You may want to contact your state attorney general and file a complaint. You may also petition the ...
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| Civil Justice Suit | 3/11/2008 | Michael Brotherton |
Q: "I'm not sure if you can help in this area, but whatever advice you can give would be much ...
A: When you "answer" a complaint you are giving your explanation of the situation in an attempt to ...
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| payday loan | 2/26/2008 | Michael Brotherton |
Q: I have received a call from a man that he is with US National Bank,financial crime division and that ...
A: I would love to get hold of these people. My first suggestion is file a police report for ...
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| Stop payment on Check | 1/30/2008 | Michael Brotherton |
Q: WE are an independent dealer for a cellular service provider. We receive commissions per new ...
A: I don't know whether there is a legal requirement for notification prior to a stop payment but as a ...
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| Unpaid online loans | 1/28/2008 | Michael Brotherton |
Q: Brotherton, I got a loan through the National Money Store in December of 2007. On December 12th, I ...
A: First, you cannot go to jail for a civil debt. This is a civil matter. You did not commit fraud. ...
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| are settlements taxable | 1/16/2008 | Michael Brotherton |
Q: We are in the process of settling out of small claims court with a retailer for breach of contract. ...
A: Settlements are usually taxable under IRS rules if reported by the creditor on 1099. This is usually ...
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| Defaulted on an auto loan. Served court papers. | 1/3/2008 | Michael Brotherton |
Q: I took out a loan for a vehicle for my ex-husband in 2005. He defaulted on the loan and the auto was ...
A: I am all for protecting your assets but if your creditor finds that you converted the title they ...
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| junk debt buyers or assignees | 1/1/2008 | Michael Brotherton |
Q: What is the difference if any between a collection agency that buys bad debt and an agency that is ...
A: There is not much difference depending on the terms of an assignment. Some collection agencies have ...
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| Defaulted on an auto loan. Served court papers. | 12/29/2007 | Michael Brotherton |
Q: I took out a loan for a vehicle for my ex-husband in 2005. He defaulted on the loan and the auto was ...
A: First and foremost relax. You cannot pay what you don't have. It is unfortunate though that you are ...
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| Medical bill dispute | 12/19/2007 | Michael Brotherton |
Q: A hospital performed two of three needed tests on me and then dropped me for reasons unknown. I ...
A: You may be responsible for the bill but may be able to take it a step further to find out the ...
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| Court Costs | 11/23/2007 | Michael Brotherton |
Q: I'm seeking advice about a dispute I am having with a lender. It is a pay check advance loan ...
A: They cannot pass the court costs or collection costs to you unless they are awarded them by the ...
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| granite countertop | 11/17/2007 | Michael Brotherton |
Q: I am a new construction home owner. Two days before we were to move in I noticed the granite kitchen ...
A: You might file suit against the builder and the granite people. check local court rules for small ...
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| Garnishment of wages | 10/30/2007 | Michael Brotherton |
Q: I live in Arizona. I had an old credit card debt from 2000. I owe the credit card company $639.00 ...
A: You may contest it but I am afraid they have a valid claim if they bought the debt. You may demand ...
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| Credit Card dispute | 10/4/2007 | Michael Brotherton |
Q: i got a call from my AMEX credit card account questioning about my charges on my account and i said ...
A: You could take the upper hand and file a small claims suit against them. Go on the offensive and ...
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| Payment amount to prevent collections | 9/25/2007 | Michael Brotherton |
Q: We currently have an "agreement" with a company based in Florida. We live in Utah. Our question ...
A: I am afraid there is no set amount that will forestall collection. If you have a written agreement ...
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| refund for cancelled hotel stay | 9/20/2007 | Michael Brotherton |
Q: I recently used my debit card to book a hotel room at Holiday Inn (NE Sacto) for this weekend's high ...
A: I cannot answer your question directly other than to say that the hotel should have a written refund ...
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| court-order-for-property-and-assets for non secured loan | 9/17/2007 | Mudassar Khan |
Q: what can they do to me?
A: The term non secured loan is only in effect to say they wont repossess your home, However they can ...
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