| Subject | Date Asked | Expert |
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| court summons on old credit debt | 12/3/2008 | Creditwrench |
Q: I was served with a summons to court for a capital one debt, court date for december 10th 2008. ...
A: If you fail to respond to the summons or show up in court they will get a default judgment and can ...
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| medical collections | 12/3/2008 | Ray A Miller |
Q: My son owes $1000 to OU Medical Center, (a teaching hospital)in Oklahoma from 2006. When he ...
A: I am afraid they are correct. You can verify this with the Oklahoma Attorney General's office. I ...
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| payments | 12/3/2008 | Ray A Miller |
Q: i have offered to make payments to a creditor, but they state they need half of the payment or they ...
A: Unfortunately, you have very few options. If they will not agree to smaller payments and your ...
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| SOL of Debt Collection | 12/3/2008 | Creditwrench |
Q: My husband recently received a call about a debt from 2000. I researched the company and found out ...
A: I can well understand why you feel confused. First rule is never believe what somebody tells you ...
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| Power of Attorney | 12/3/2008 | Ray A Miller |
Q: If I am working with a debt consolidation company and I have signed a power of attorney. Are the ...
A: Not necessary. Unless you are represented by an actual licensed attorney, the collectors can not, by ...
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| Debt Collection Agency | 12/3/2008 | Creditwrench |
Q: Recently I received a letter from a debt collection agency because I served as a co-signer for a ...
A: Other than paying the debt? Let me assure you that if you pay the debt it will go on your credit ...
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| debt collection summons | 12/2/2008 | Apex Credit Services, LLC |
Q: My bill was never sent to the correct address. I just got a summons the other day. The original ...
A: Jay: That would depend on whether they actually obtained a judgment. If so and fees and costs were ...
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| Discover card suing me | 12/2/2008 | Barnette Law Offices, LLC |
Q: I was just served yesterday by the Sheriffs office, the amount is $7100. My husband and I divorced ...
A: Deb: If you do not respond to the Summons a Default Judgment will likely be rendered against you. ...
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| Debt Collection Agency | 12/2/2008 | Creditwrench |
Q: Recently I received a letter from a debt collection agency because I served as a co-signer for a ...
A: It might very well be there now. Have you checked that out yet? If the apartment management has the ...
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| Letter of Debt | 12/2/2008 | Creditwrench |
Q: Kingman, Cole and Assocates November 20, 2008 RE: ...
A: Problem with that is that it isn't an affidavit at all. In order for it to be an affidavit it must ...
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| Lease agreements terminated due to my husband's death | 12/2/2008 | Apex Credit Services, LLC |
Q: My husband passed away on June 12. At that time, he had two outstanding leases, one on a Honda, ...
A: Grace: If you were not a joint applicant, they cannot pursue you for the debt if the estate was ...
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| Getting Satisfaction of judgment | 12/2/2008 | Michael Brotherton |
Q: I live in Ohio, Asset Acceptance filled a judgment against me and won. I have since then paid the ...
A: File a motion for dismissal based on the judgment being paid in full. Send a copy of the motion to ...
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| Collections | 12/2/2008 | Creditwrench |
Q: I was very over medicated for chronic nerve damage. I can not remember or recall that I applied for ...
A: You can't. They don't want to understand. All you can do is convince them that calling you will do ...
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| Letter from Debt Collection Agency | 12/2/2008 | Melissa Douros |
Q: Recently I received a letter from a debt collection agency because I served as a co-signer for a ...
A: Tamara, it is unfortunate that your relative put you in this position. I would contact the original ...
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| Not My Debt... | 12/1/2008 | Barnette Law Offices, LLC |
Q: About 2 months ago they left a message on my machine along the lines of " If u do not disconnect ...
A: Nichole: In short, you must send them a written communication stating that they shall not contact ...
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| repoed truck: collections | 12/1/2008 | Apex Credit Services, LLC |
Q: 2 years ago, my girlfriend (at the time) and i purchased truck. Me the buyer and her the ...
A: Dan: You and your ex-girfriend are both liable for the deficiency insofar as it was a joint ...
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| wage garnishment | 12/1/2008 | Melissa Douros |
Q: Can wages be garnished for medical bills in Michigan? Everyone I know says no & I would like to put ...
A: Sharon, it is a common misconception that many people go along with. The truth is wages can always ...
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| How to get judgement money. | 12/1/2008 | Michael Brotherton |
Q: I recently won a civil consent judgement IN THE SUPERIOR COURT OF CHATHAM COUNTY(GA) against a ...
A: All you would need is to assign the collections to an agency or attorney to pursue collection of ...
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| Statute of Limitations "misinformation" | 11/30/2008 | Creditwrench |
Q: One of the experts here (Michael Brotherton), stated that "The SOl is based on the Date of Last ...
A: The answer really depends on state law. Most states say something to the effect that the SOL begins ...
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| what can they take? | 11/28/2008 | Creditwrench |
Q: my girlfriend got a credit card about 2two years ago she never made a payment on it and they ...
A: I can well imagine that you would just want it over and done with but that isn't going to happen ...
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| disability and debt | 11/28/2008 | Michael Brotherton |
Q: i was recently diagnosed with malignant cancer and have undergone major surgrey. i am now disabled ...
A: Your options depend on your assets and overall financial situation. If you are on disability that ...
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| Court Summons | 11/26/2008 | Creditwrench |
Q: I have received a real summons from the superior court of san diego from atlantic credit and finance ...
A: Letters get no respect in a court of law. Courts use a special format for all documents. Everything ...
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| what can they take? | 11/26/2008 | Creditwrench |
Q: my girlfriend got a credit card about 2two years ago she never made a payment on it and they ...
A: You aren't married? Then no, they can't take anything from you. What do you do when you get the ...
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| Is this allowed | 11/26/2008 | Apex Credit Services, LLC |
Q: Is it ok for a collection agency to tell a family member that you have a debt and the exact amount ...
A: Kristian: No, it is impermissible under the FDCPA for a debt collector to speak to anyone aside ...
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| collections | 11/26/2008 | Melissa Douros |
Q: if the plaintiff wins a case in small claims court because the defendant is a no show, and all the ...
A: Aycia, you do not need a social security number to place a debtor in collections, and also, many ...
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| credit card debt interest | 11/25/2008 | Apex Credit Services, LLC |
Q: I recently contacted a collection agency that I was making monthly payments to and they proceded to ...
A: Jonell: No, not unless their purchase included language of such right. I doubt that it did ...
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| debt collections | 11/25/2008 | Michael Brotherton |
Q: 2 years ago, my girlfriend (at the time) and i purchased a 2004 dodge ram truck. Her and I both ...
A: At this point your options may be few. You may attempt to take your X to court for defaulting on the ...
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| Debt Verification & Cert. Mail | 11/25/2008 | Creditwrench |
Q: In June 2008 I sold my home in a short sale and the bank forgave the outstanding balance on the loan ...
A: No, don't send anything to the original bank. Check your state laws on foreclosure to see what the ...
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| Sued for credit card past SOL | 11/25/2008 | Creditwrench |
Q: On Saturday I received a summons. I am being sued by a collection agency for a credit card that is ...
A: You would probably want to file a motion to dismiss as your response to the complaint. I would not ...
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| lease sublet was evicted-- collections wants me to pay | 11/25/2008 | Melissa Douros |
Q: In June 2007, I signed a 1-year lease for an apartment, along with 1 other person. We agreed to ...
A: Julie, it is unfortunate that these things happen, but usually when an apartment is "sublet" the ...
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| Car Loan Collection | 11/24/2008 | Creditwrench |
Q: I voluntarily returned a vehicle I could no longer afford. My credit report says my last payment was ...
A: You are most definitely headed for a lawsuit. The chances they will file suit before the SOL expires ...
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| Court Summons | 11/24/2008 | Creditwrench |
Q: I have received a real summons from the superior court of san diego from atlantic credit and finance ...
A: Yes, it is too late to send a validation letter to the collection agency but the lawyer is a 3rd ...
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| capital one judgement and homeless | 11/24/2008 | Michael Brotherton |
Q: We found out through the mail (we have a temporary postal box) that the bank in connecticut froze ...
A: I am sorry to hear about your troubles. One thing I can say for sure is things have a way of working ...
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| judgement | 11/24/2008 | Barnette Law Offices, LLC |
Q: my question is, last Friday i went to take money out of my checking account and was told my account ...
A: Thomas: Certainly you could file to vacate the judgment or have it set aside. Then, the underlying ...
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| collection laws | 11/24/2008 | Creditwrench |
Q: I have been paying a medical collection agency 150 dollars a month for 10 months. Now they have ...
A: They can do that, no problem. You made a big mistake paying them anything but I'm sure you can see ...
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| car repos | 11/23/2008 | Melissa Douros |
Q: Melissa: I recently had my two cars repossessed due to a very large pay decrease by 75 pecent at ...
A: Patty, I would call them and explain your previous conversation. It honestly could be simple error ...
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| SOL for North Carolina regarding debt coll. | 11/23/2008 | Melissa Douros |
Q: I received a phone call out of the blue from Hall & Associates in New York regarding an old account ...
A: Pamela, you absolutely correct about the date being changed, but that would only pertain to your ...
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| Admittance verification | 11/23/2008 | Michael Brotherton |
Q: I have been sued by a credit card collection company and am in the discovery phase. My credit ...
A: The SOl is based on the Date of Last Activity (DLA) which is the date of last payment or charge ...
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| Cell Phone Collection from 2001 | 11/22/2008 | Creditwrench |
Q: I had a cell phone through Voice Stream from 2000 - 2001. After completing my one year contract, I ...
A: No, don't know the name of the law. I'm guessing it is in the telecommunications law. I remember ...
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| JUDGMENT | 11/22/2008 | Apex Credit Services, LLC |
Q: If someone owes us money / refund for a broken contract, what, if any, legal recourse do we have in ...
A: Tammy: You would need to institute a civil action via filing a Complaint and having the offending ...
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