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Negotiating Disputes/Questions
| Subject | Date Asked | Expert |
| tarnished or slander credit | 2/11/2009 | Michael Brotherton |
| Q: i helped a friend purchase tires for there car on my good year credit card. when tires where bought ... A: I assume the paperwork that was in their name was the invoice and warranty, etc... but the charge ... | ||
| dry cleaners burned down | 1/10/2009 | Michael Brotherton |
| Q: My dry cleaners in Boston, MA burned down last week, the day after I gave them $500 of my clothing ... A: Your secretary of state should have a listing for the company's statutory agent. This is the person ... | ||
| Credit Card Dispute | 1/8/2009 | Michael Brotherton |
| Q: Who do I contact regarding an issue with a credit card company that can not be resolved? There was ... A: Send a letter by certified mail return receipt requested advising them to cancel the charges once ... | ||
| broken contract and they kept the money | 1/7/2009 | Ontrack Financial Group llc |
| Q: My son paid $200 for snowplowing service, and signed the contract - I lent him the money and signed ... A: Check cashing places such as the one you mentioned are notorious for playing this chase game. A ... | ||
| Vehicle Repossession | 12/17/2008 | Michael Brotherton |
| Q: We had a vehicle that we fell behind on payments with in late 2005. By Feb. 2006, we informed that ... A: You are probably right but it is their decision. If it was a matter of policy they do not have to ... | ||
| credit card dispute | 12/14/2008 | Michael Brotherton |
| Q: We moved several months ago. The moving company overcharged me by $269. I disputed the charge and ... A: The credit card company doesnt want to get involved in a dispute this small. They have much bigger ... | ||
| Auto Deposit | 12/6/2008 | Michael Brotherton |
| Q: In July of 2008 I put a $25,000.00 deposit with a local Chevy Dealership for a new car that was ... A: Yes you may. They never honored their agreement. If you wish to cancel the deal then send them a ... | ||
| Payments on FHA Mortgaged Home Strangling Me | 12/4/2008 | Michael Brotherton |
| Q: First, thank you so much for your consideration of people's problems here. I will definitely ... A: Apparently your mortgage company is more concerned with collecting money than fixing theproblem. You ... | ||
| Judgement /Illinois | 12/2/2008 | Michael Brotherton |
| Q: Mike, I have an old Citi Bank credit card judgement on my credit report going back to 2003. The ... A: In most cases when a debt is sold to a collection agency the agency only pays pennies on the dollar. ... | ||
| Judgement /Illinois | 11/26/2008 | Michael Brotherton |
| Q: Mike, I have an old Citi Bank credit card judgement on my credit report going back to 2003. The ... A: No, you can do better. I have negotiated wth CitiCard for as little as 30%. This really depends on ... | ||
| Housing Dispute | 11/20/2008 | Michael Brotherton |
| Q: I apologize if this is not the appropriate place to ask this question, as I do not have an issue ... A: This can be tricky but if you take more than a passive interest in -bay it can be considered a ... | ||
| CoSigned on a auto loan | 11/10/2008 | Michael Brotherton |
| Q: I was wondering if you could help me with some advice. i co-signed for a auto loan for my friend, I ... A: You deserve a spanking for this one. I hate co-signer loans. They almost always go bad and the ... | ||
| Judgement | 11/3/2008 | Michael Brotherton |
| Q: I have spoken to you before regarding this judgment and the uncooperative attorneys office. They ... A: We can negotiate at any point even if they have a judgment. Particularly if you wish to avoid a wage ... | ||
| Judgement | 10/31/2008 | Michael Brotherton |
| Q: I have spoken to you before regarding this judgment and the uncooperative attorneys office. They ... A: Do the best you can. Debt collector are demanding anyway and anything you tell them they are going ... | ||
| Medical Bills dispute | 10/25/2008 | Michael Brotherton |
| Q: This is a rather embarrassing situation but here goes... I was picked up by a city police officer in ... A: Although this is not my particular area of expertise I am somewhat familiar with the subject. ... | ||
| Judgement | 10/16/2008 | Michael Brotherton |
| Q: Here is my situation. Collector got a judgement on me. There was an agreement to pay $300 a month ... A: First, we are now a full service law firm. Once we contact them they will have to respond in a ... | ||
| Judgement | 10/5/2008 | Michael Brotherton |
| Q: Here is my situation. Collector got a judgement on me. There was an agreement to pay $300 a month ... A: Yes, you may appeal the garnishment and ask for a hearing or ask the court for an accounting of the ... | ||
| Expired sister's credit card debts | 10/1/2008 | Ontrack Financial Group llc |
| Q: My sister passed away in March of 2007 (Georgia). She had around $24,000 of credit card debts ... A: Kurt, I'm sorry about your sister. Creditors will not jump around to settle debts at every ... | ||
| Problem with credit card company's mistakes | 9/26/2008 | Ontrack Financial Group llc |
| Q: I am being left to deal with a huge mess due to mistakes made by two separate banks regarding a ... A: How ridiculous this entire situation is. I call this customer no service. Please visit the ... | ||
| Online product returns | 9/22/2008 | Michael Brotherton |
| Q: What can I do about an online company who refuses to accept a return on an order which they sait was ... A: I believe you have 60 days to dispute the charge on the credit card you used if a Visa or MC. If you ... | ||
| Unclaimed Assets issue | 9/21/2008 | Michael Brotherton |
| Q: Brotherton, Let me first thank you for taking the time to read my post. My husband was contacted ... A: I would say you probably need to check with an attorney specializing in contract law for your state. ... | ||
| Escrow Accounts | 9/16/2008 | Michael Brotherton |
| Q: Here's my situation. I was 1/2 owner of a property that got sold in June. Escrow accts were made ... A: Tough questions. The title company or attorney is required to disburse the funds according to the ... | ||
| us. national bank | 9/11/2008 | Michael Brotherton |
| Q: I got a call from a company saying they are repersenting us.nationl bank and they are with untied ... A: I suspect one of the loan companies you owed in the past sold that information to them illegally. I ... | ||
| United StatesNational Bank scam | 9/4/2008 | Michael Brotherton |
| Q: I just had this scam pulled on me this morning.I contacted the police here in Palm Springs,CA but ... A: I agree with you,. This is a huge scam and no one seems to be doing much about them. I get ... | ||
| Payments too high.. need help | 8/30/2008 | Michael Brotherton |
| Q: Ok my wife bought a car while we were split up for a while and now we are back together. She is no ... A: They cannot alter the contract in any way but if your wife agreed to pay more for the car than what ... | ||
| Hotel dispute | 8/27/2008 | Michael Brotherton |
| Q: We stayed at a hotel- paid bill - left - 7 days later I recieve a notice in mail that the hotel was ... A: I would think they would have to prove you broke the TV to be able to charge you for it. You can ... | ||
| financial advice | 8/12/2008 | Michael Brotherton |
| Q: Id like some advice/information about financial matters regarding my parents house/mortgage. Im ... A: This depends on their mental stability and where you live. I do not think there is a way to do this ... | ||
| Financial Crimes Division, US National Bank | 8/2/2008 | Michael Brotherton |
| Q: I have reported this company to the FTC and the SC Dept. of Consumer Affairs through the attorney ... A: Well it should but these people are pretty blatant. I don't understand why they are so brave unless ... | ||
| Possible scam? | 7/29/2008 | Michael Brotherton |
| Q: I have been receiving phone calls frompeople who do not speak English very well, (Indian, Iranian, ... A: This is absolutely a scam. You may need to close your checking account and open a new one if they ... | ||
| Low income, no assets, what next? | 7/23/2008 | Michael Brotherton |
| Q: I live in Illinois. I was served a summons for a medical bill. I spoke with legal aid who stated I ... A: Legal Aid was somewhat accurate in that in most cases the creditor will get their judgment. And if ... | ||
| Medical Bill Dispute | 7/18/2008 | Ontrack Financial Group llc |
| Q: In 2006 I went to the dentist for a crown. It was common procedure for the nurse to access your ... A: Cecily, Unfortunately, the company has the right to collect the $800.00 for the work performed. ... | ||
| US National Bank | 7/16/2008 | Ontrack Financial Group llc |
| Q: Like others who have posted on this list, I have been getting multiple annoying phone calls from ... A: Todd, Good Job informing the proper authorities, we hope it was your attorney general and the ... | ||
| What are my options | 7/14/2008 | Ontrack Financial Group llc |
| Q: Recently, my father passed away. Leaving behing a car note with $30K still owed on the car. However, ... A: Paul, We're sorry for the loss of your father. California law defines community property as ... | ||
| Primary on loan -rights to repossess vehicle | 7/9/2008 | Michael Brotherton |
| Q: I am the primary on a car loan. Cosigner has made a late payment and my credit has been marked. He ... A: I will have to confirm this but I believe you may repossess the vehicle without notice. You may need ... | ||
| Unites Legal Investigation Department | 7/1/2008 | Ontrack Financial Group llc |
| Q: I have been receiving phone calls from (972) 755-1946 - a Michael Anderson (sounds Indian though) ... A: Kecia, One of our clients were receiving calls from the same company. They are from India, and ... | ||
| Deposit | 6/30/2008 | Michael Brotherton |
| Q: I recently wrote a check as a deposit for a car in CA I now have mixed feelings, and want to stop ... A: This depends on how long you have had the car. If you haven't signed anything and you return the car ... | ||
| US National Bank | 6/28/2008 | Michael Brotherton |
| Q: I have read all the other questions you have had about US National Bank. I understand that it is all ... A: As I have stated in other answers I believe the common thread among victims of this scam is they all ... | ||
| US National bank | 6/26/2008 | Michael Brotherton |
| Q: I also received a call from these people threatening me with jail if I didn't pay them. When I ... A: One common thread that seems to be common amongst the victims is they all had payday loans in the ... | ||
| US National Bank_ | 6/23/2008 | Michael Brotherton |
| Q: I just received a call from a foreign guy named "Larry Owens" with stories identical to those ... A: It would be easy to verify if it was a valid debt but I can tell you now that if it is US National ... | ||
| Contract with oil company | 6/19/2008 | Michael Brotherton |
| Q: My mother had a contract with an oil company to be on a $240.00 budget payment throughout the year. ... A: If the letter states in no uncertain terms what you stated I would say yes she may have a chance of ... | ||
Michael Brotherton
Top Expert on this page
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.
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