| Subject | Date Asked | Expert |
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| Nationwide Credit | 8/29/2008 | Creditwrench |
Q: American Express has sent my account to Nationwide. Nationwide says they won't accept monthly ...
A: But then said I shouldn't pay American Express and would have to pay Nationwide. I'm confused. If I ...
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| Capital One Bank | 8/28/2008 | Creditwrench |
Q: My husband, before we were married, got a credit card with a limit of $500.00 from Capital One ...
A: First of all, what state do you live in? When did your husband make his last payment to Cap One? The ...
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| repossessed motorcycle | 8/28/2008 | Apex Credit Services, LLC |
Q: My motorcycle was repossessed recently..It was sold for $3,800.00 by Eastern Powersports, East ...
A: Harold: Yes, under Article 9 you are responsible for the judgment deficiency. You can ...
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| Spousal Obligations | 8/28/2008 | Jason Barnette |
Q: My wife recently was served a summons by the local magistrate office. We live in Pennsylvania, ...
A: Terry: I do not know the specifics of PA law in this area but, I believe you to be right based ...
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| t mobile term fee | 8/27/2008 | Apex Credit Services, LLC |
Q: I had t-mobile for a while, well beyond the 2 year period. I initially had (4+ years)a smart access ...
A: Jon: You can intimate what you've conveyed herein to T-Mobile in writing and also to the debt ...
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| Physician payment | 8/27/2008 | Creditwrench |
Q: My daughter underwent surgery in January and I have been billed for the amount over the insurance ...
A: Yes, they can and they probably will. You should probably hope they do and the quicker the better. ...
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| Williams And Fudge collections question | 8/27/2008 | Apex Credit Services, LLC |
Q: I went to about 3 months of school (Westwood College) in 2006 and have been paying ever since for ...
A: Joseph: Send the debt collector a request for validation and see if they can prove up their ...
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| Received a court summons today | 8/27/2008 | Creditwrench |
Q: I received a court summons today from a law firm representing Midlands Credit Management. After ...
A: I would be extremely careful what I did with this deal. You will have to do your research on this ...
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| Nationwide Credit | 8/26/2008 | Creditwrench |
Q: American Express has sent my account to Nationwide. Nationwide says they won't accept monthly ...
A: First of all, they are a 3rd party debt collector but regardless of who they are you should never ...
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| We've received a collections summons on a CitiBank account. | 8/26/2008 | Creditwrench |
Q: My wife has just received a court summons from a collection agency's lawyer, and this account is ...
A: You are very lucky the debt negotiation company wouldn't take your case. They would have just robbed ...
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| service time from date issued, summons | 8/26/2008 | Creditwrench |
Q: I was served a summons last night, 8/25 the issue date was 7/21. I am notified to appear or face a ...
A: I'd file a motion for extension of time and in your motion tell them when you got the summons. You ...
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| Served for a Debt I am paying | 8/26/2008 | Creditwrench |
Q: Lovely, the day before my 30th B-day I'm served by the Merchants Credit Corporation. A nasty mean ...
A: That's what you get for messing with a debt consolidation company. The creditors have no obligation ...
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| Collection Agency Calls | 8/26/2008 | Ray A Miller |
Q: For over a year, I have been getting phone calls from credit agencies (either 866 number or UNKNOWN ...
A: This is a tough spot "Tanisha" has put you in. As long as she keeps giving out your number, there ...
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| In debt , Medical issues & No income | 8/26/2008 | Jason Barnette |
Q: I always paid my bills up to about a year ago. I became ill and was hospitalized three times in a ...
A: Alfred: Unfortunately, it seems that Bankruptcy is the only option here. Consult an attorney in ...
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| Collections sent to wrong address, my credit ruined | 8/26/2008 | Jason Barnette |
Q: When I was 18, I went to a hospital. I had insurance and expected a bill to be mailed, so I could ...
A: Marley: Dispute the items in question through the credit reporting agencies. Try to pinpoint ...
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| Summons/SOL for NM Passed/Now Live In OR | 8/26/2008 | Creditwrench |
Q: I will do my best to state the facts clearly & succinctly as I am in need of advice: Had a free ...
A: Probably more tricks but you need to call up the clerk of the court in that county and find out if a ...
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| Vol. Car Repo | 8/25/2008 | Creditwrench |
Q: I had a car that I turned in, in 2006. I received a letter from my local saying I was being sued by ...
A: You should send the second attorney a demand for validation/dispute letter immediately. Don't say a ...
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| Someone Giving Out My Number | 8/25/2008 | Creditwrench |
Q: For over a year, I have been getting phone calls from credit agencies (either 866 number or UNKNOWN ...
A: Not hard at all. All you have to do is answer the phone and demand that they give you their contact ...
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| How a representative spoke to my wife. | 8/25/2008 | Creditwrench |
Q: At the end of May this year we had sent our credit card info to a debt management company to help ...
A: Absolutely! Sue him in federal court and make him pay for his abusive tactics. Bill Bauer ...
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| BAD DEBT IN TEXAS | 8/25/2008 | Creditwrench |
Q: I was reading your response that after 7 years a company can't sue you over the debt. and that 11 ...
A: Yes, but it must say: Cease & Desist from any and all contact with me by any means whatever. She ...
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| Charge-off laws | 8/25/2008 | Apex Credit Services, LLC |
Q: I have two old credit card debts that are approximately 5-6 yrs old. After reviewing the account ...
A: Ron: The FDIC makes them write them off at 180 days. However, that is just an accounting term. ...
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| removing name from a credit card | 8/25/2008 | Ray A Miller |
Q: I am in the process of a divorce. My "ex" has 3 gas cards charged to the max. I am listed on a ...
A: I am married but have a credit card that is in my name only, which I have recently defaulted on. ...
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| statute of limitations defense | 8/25/2008 | Creditwrench |
Q: I am being sued by LVNV Funding claiming to be a "factoring account" collecting a credit card debt ...
A: It might be used as evidence but the best evidence rule would dictate that a statement from the ...
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| Collection Agency Acknowledgement | 8/25/2008 | Ray A Miller |
Q: I received a voice mail from a collection agency.I have not spoken to them and know that this is in ...
A: I am afraid they can. An overpayment can be look upon as monies that are due the insurance company ...
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| No way out!!! | 8/25/2008 | Michael Brotherton |
Q: I am in a situation with a judgement. From 2003, I received a judgement from a lawyer representing ...
A: This is not an uncommon situation. Many times collection attorneys or agencies add charges that are ...
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| collections | 8/25/2008 | John G. Watts |
Q: Mr.Watts;What does it mean when a debtor "CHARGES OFF"an account?It appears that way in my credit ...
A: Bobby, Typically creditors must "charge off" the account after about 180 days (6 months) after the ...
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| Summons/SOL for NM Passed/Now Live In OR | 8/25/2008 | Creditwrench |
Q: I will do my best to state the facts clearly & succinctly as I am in need of advice: Had a free ...
A: @ The plantiff is LVNV. Looks like something they bought from Sears Nat'l Bank. Debt dated as being ...
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| 20 Year Old Debt Collection | 8/24/2008 | Creditwrench |
Q: I was contacted by a debt collection agency on 8/20/08 regarding a Kay Jewelers credit card debt ...
A: That would be within 5 days after their initial contact with the consumer they must have a letter ...
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| Vol. Car Repo | 8/24/2008 | Creditwrench |
Q: I turned in my car in 2002 when I became pregnant with my second son. As a single mom, I choose to ...
A: Well, your response is good but now you need to follow up with interrogatories, admissions and ...
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| 20 Year Old Debt Collection | 8/24/2008 | Creditwrench |
Q: I was contacted by a debt collection agency on 8/20/08 regarding a Kay Jewelers credit card debt ...
A: I'd suggest that you forget all about what you have read "elsewhere" and start getting your ...
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| Received a court summons today | 8/24/2008 | Creditwrench |
Q: I received a court summons today from a law firm representing Midlands Credit Management. After ...
A: First go to your bank and get copies of the checks you paid them with. Secondly prepare your ...
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| hoa attorney Fair Debt Collection Practices Act | 8/24/2008 | Ray A Miller |
Q: Are homeowner association attorneys required to comply with the Federal Debt Collection Practices ...
A: That does not sound right and you may need to contact an attorney to help protect your rights. ...
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| Debt Validation | 8/24/2008 | Creditwrench |
Q: I have written before, still with the same problem. I received a collection letter from the JDB that ...
A: They can file a judgment even though they have never validated the debt. No problem. Yes, they must ...
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| repossession | 8/24/2008 | Michael Brotherton |
Q: I have been reading your answers on the message board. I just had a vehicle repossessed two days ago ...
A: You may be able to buy yourself some time to help you catch up. The Fair Debt Collection Practices ...
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| debt collection | 8/23/2008 | Creditwrench |
Q: i just recently asked a question about arbitration. i need to add to that question. i want to say ...
A: Believe it or not they can do that but when it gets to your local court the judge isn't going to pay ...
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| debt collection | 8/23/2008 | Creditwrench |
Q: we have received an arbitration claim by certified mail against a credit card debt. (claim ref. # ...
A: Credit solutions? Fire them immediately. They aren't doing you any good. Fact is they are probably ...
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| Medical bills | 8/23/2008 | Apex Credit Services, LLC |
Q: I am being sued for medical bills. I take care of my mother, father, wife, and children and I am the ...
A: Jeff: The only thing you can do is make an appearance before the court and plead your case. ...
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| Summons & Court Date | 8/23/2008 | Creditwrench |
Q: I immediately pulled my credit report with Transunion and can find no mention of this debt. I ...
A: You thought they could not proceed until they supplied you with full debt validation? Where did you ...
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| Additional Card Holder | 8/23/2008 | John G. Watts |
Q: Previous owner was an AMEX holder which my co-worker and I were additional card holders. We left ...
A: Chris, Contact me and let me know where you live. ...
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| debt collection | 8/23/2008 | Creditwrench |
Q: I received a telephone call from a debt collection company stating that they were given my account ...
A: No, $400 isn't going to bankrupt that company. Neither is the $4.00 they probably paid to buy that ...
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