| Subject | Date Asked | Expert |
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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