| Subject | Date Asked | Expert |
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| Sued by Palisade Collections | 8/20/2008 | Creditwrench |
Q: I received a summons stating that I was being sued by Palisades Collections for an old Providian CC ...
A: What I would do is go to the clerk of the court and ask to see your public record then look for that ...
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| statue of limitations for unpaid bills in california | 8/20/2008 | Creditwrench |
Q: my son owes alot of debt credit card, car loans,medical bills. his wife says if they wait 7 years ...
A: Both of you are correct. It just depends on what statute of limitations you are talking about. She ...
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| AMEX Debt Collection Atty | 8/20/2008 | Ray A Miller |
Q: I live in Arizona. In May 2008 I was contacted by a Debt Collection Atty for AMEX. I received a ...
A: Winning favor with the court is almost and impossibility. Send the letter asking for validation and ...
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| co-sign | 8/20/2008 | Apex Credit Services, LLC |
Q: My husband made a very bad decision and co-signed a loan for a "friend." The "friend" has had major ...
A: Tori: I hate to be the bearer of bad news but, there is virtually nothing you can do to remove ...
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| JUDGEMENTS | 8/20/2008 | Jason Barnette |
Q: I HAVE 2 JUDGEMENTS ON MY CREDIT REPORT...BOTH JUDGEMNTS ARE FOR CREDIT CARDS I HAD FROM COLLEGE AND ...
A: Tiffany: Yes, they are final unless you have grounds for a motion to vacate. Honestly, with ...
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| bad check | 8/20/2008 | Ray A Miller |
Q: I say this is in the state of PA. I recently had several checks out wich in not uncommon, during ...
A: You should report the Internet fraud to the FTC as soon as possible. Your bank should be notified ...
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| Bank Levy | 8/20/2008 | Michael Brotherton |
Q: Recently had a judgement against me for my daughters medical bill which we are still fighting. Got ...
A: In most cases I would say no. I have insufficient info to say definitively but unless they did some ...
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| Suit by Mann & Bracken | 8/19/2008 | Creditwrench |
Q: Am I correct to assume that the declarations page which is not notarized but is signed by the lawyer ...
A: I must assume that you didn't demand validation in writing within 30 days after you received their ...
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| Electric Bill Collections | 8/19/2008 | Creditwrench |
Q: I have just received two calls from a collection agency in regards to our Electric Bill from the ...
A: You may not want to believe what I am going to tell you but the truth is that paying the debt will ...
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| AMEX Debt Collection Atty | 8/19/2008 | Ray A Miller |
Q: I live in Arizona. In May 2008 I was contacted by a Debt Collection Atty for AMEX. I received a ...
A: You can ask for validation and dispute the debt at any time. Send your letter to them certified and ...
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| bounced check | 8/19/2008 | Ray A Miller |
Q: I had a customer that is a famous professional boxer. he purchased jewelry from me and wrote me a ...
A: http://www.ckfraud.org/penalties.html Please see the above web site. In your case, the check was ...
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| Help | 8/19/2008 | Ray A Miller |
Q: have Williams and Fudge on my tail telling me I owe Cadek Conservatory (a University music ...
A: Your mother is responsible. Dispute this debt and demand validation of it from William and Fudge. ...
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| titlemax | 8/19/2008 | Jason Barnette |
Q: i took out a auto loan with title max, but my car broked down on me. Okay my monthly payments with ...
A: Harris: They are within their rights to call you at work insofar as the FDCPA does not apply ...
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| bounced check | 8/19/2008 | Ray A Miller |
Q: I had a customer that is a famous professional boxer. he purchased jewelry from me and wrote me a ...
A: Please tell me what state in which you reside. Just about every state has different laws governing ...
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| Time period after filing a response to a civil suit summons | 8/19/2008 | Creditwrench |
Q: I filed response to a civil suit summons about a month ago and I have not received anything from the ...
A: Absolutely not! They are not allowed to continue with collection attempts until they have validated ...
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| Old Debt...Midland Mgmt trying to pursue legal action! | 8/19/2008 | Creditwrench |
Q: I have an old debt with Associates Company! The debt is almost 9 years old and has been passed along ...
A: According to some courts, the letter threatening legal action can be construed as a violation. ...
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| Vol. Car Repo | 8/18/2008 | 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: So you have been served with a summons and copy of the complaint or not? That has to be the first ...
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| Length of time debts show on credit reports | 8/18/2008 | Apex Credit Services, LLC |
Q: I recently obtained my credit reports and I'm confused as to the dates showing for each creditor. I ...
A: Michelle: The reporting period is seven years for most accounts. It begins from when the ...
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| Collection Calls Won't Stop | 8/18/2008 | Jason Barnette |
Q: Ok before i ask the question i just want to give you a quick back ground. I had a account with ...
A: Amanda: You need to consult with an attorney in your state insofar as FDCPA and probably FCRA ...
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| Hospital Bills | 8/18/2008 | Ray A Miller |
Q: Like anybody else ...my Health Insurance didn't covered my delivery. So I have a total due of ...
A: Are you saying that they called your home at 9:27 on a Sunday night? According to the FDCPA, this ...
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| debt | 8/18/2008 | Ray A Miller |
Q: My mother has a bad debt and only receives social security and pension can they take any of her ...
A: http://www.lloydmc.com/articles/in_collection_law_review.shtml You may find the above web site ...
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| Capitol One | 8/18/2008 | Ray A Miller |
Q: In 2005 I rented a car from Hertz and used my COne card for the initial 'hold'. My maximum credit ...
A: Cap One has several different type cards and with each card, a different set of "rules". To make ...
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| auto lien | 8/17/2008 | Creditwrench |
Q: I was involved in an accident in Nov.o7 and have not worked or made any income since. I have a ...
A: Have your friend put a lien on it for whatever it is worth. Sign a contract with him to pay him the ...
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| Finding information about a judgment against me | 8/17/2008 | Jason Barnette |
Q: I have a very old judgment against me from Ohio. I have a docket number and a State of Ohio number, ...
A: Willow: Call the clerk of the court in which the judgment was filed. They should be able to ...
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| 9 year old debt | 8/17/2008 | Creditwrench |
Q: I was just contacted today, Sunday August 17th, by a collection agency. The person I spoke with ...
A: The first thing to do is remember that since that is their initial contact with you they have 5 days ...
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| Doctor agrees to a physical now wants to... | 8/17/2008 | Ray A Miller |
Q: My doctor agreed to bill an appointment on June 30, 08 as a free physical as required by my company ...
A: I need just a little more information: do you have anything in writing, such as a discharge slip ...
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| Civil summons for invalid debt beyond SOL | 8/17/2008 | Creditwrench |
Q: Yesterday I received a certified letter from the county courthouse listing me as a defendant in a ...
A: I sure would like to see an actual copy of that affidavit. Is there any way you can send it to me? ...
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| Collection on old credit card debt past sol | 8/17/2008 | Creditwrench |
Q: State is NC.I was sent a collection notice from ATG CREDIT ,LLC.Account has been referred to them ...
A: That presents a bit of a problem. You know the debt is past SOL because the account number is for a ...
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| Civil summons for invalid debt beyond SOL | 8/17/2008 | Creditwrench |
Q: Yesterday I received a certified letter from the county courthouse listing me as a defendant in a ...
A: Time barred is approximately correct. Motion to dismiss for failure to state a claim upon which ...
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| student loan from 1988 | 8/16/2008 | Ray A Miller |
Q: In 1988, I had a student loan out in NJ, and moved out of state (I am in FL). It is appearing as ...
A: You should absolutely dispute this with the credit bureaus as well as the creditor. To the best of ...
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| Limitations on credit card debt | 8/16/2008 | Apex Credit Services, LLC |
Q: I had credit card debt from 1994. It was written off by the original bank. I have a collections ...
A: Ann: The statute would run from the date of last payment. You should be in the clear for both ...
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| Bill on my credit report but the collection agency can't find it. | 8/16/2008 | Jason Barnette |
Q: I have a past due account appearing on my credit report. I have now called the reporting agency ...
A: Derek: Visit http://www.creditnet.com or http://www.infinitecredit.com. There you will find ...
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| Civil summons for invalid debt beyond SOL | 8/16/2008 | Creditwrench |
Q: Yesterday I received a certified letter from the county courthouse listing me as a defendant in a ...
A: Why would you file an answer to any debt regardless of age? Of course, you must respond to the ...
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| unfair car repossession | 8/16/2008 | Creditwrench |
Q: I would just like to ask about car repossession and as well as deficiency judgement. My story was ...
A: I certainly do use different methods. I vehemently disagree with such scams as those you mentioned. ...
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| insufficient funds | 8/16/2008 | Jason Barnette |
Q: In January of this year I wrote a check not realizing I did not have enough money to cover it. When ...
A: Marlene: Certigy is a debt purchaser. You could pay them and that would take care of the ...
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| Being Sued by JP Morgan Chase | 8/15/2008 | Creditwrench |
Q: I was served with a lawsuit for full payment of my credit card. The problem is that I was on a ...
A: I'd go for it pro per knowing that I would most likely lose in local court. But I would look for ...
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| Notice of right to cure default letter | 8/15/2008 | Ray A Miller |
Q: Miller! In 2004 I purchased some furniture from Raymour and Flanagan. I was able to get instant ...
A: A right to cure letter explains what your rights are to "cure" a past due debt or in other words pay ...
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| Responding to Bill of Particulars | 8/15/2008 | Creditwrench |
Q: I am the plaintiff. The defendant is my ex-husb. He hired a lawyer when I filed a warrant of debt ...
A: The first thing you should do is to check both your state and local court rules to see if they allow ...
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| Time period after filing a response to a civil suit summons | 8/15/2008 | Creditwrench |
Q: I filed response to a civil suit summons about a month ago and I have not received anything from the ...
A: Most affidavits are false or misleading one way or another. Many are outright lies that can be ...
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| Spellman & Roman | 8/15/2008 | Creditwrench |
Q: This co. called me this morning threatening to have my husband arrested if we didnt come up with ...
A: No, it is not legal for them to do that. You can't do much about it if you can't prove that they did ...
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