| Subject | Date Asked | Expert |
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| Wage garnishmnet | 10/13/2008 | Michael Brotherton |
Q: My husband had back surgery in 2004. I didn't sign anything or give any of my information at the ...
A: It appears they may collect from you on medical debts for your spouse. You may try to defend ...
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| bank levy | 10/12/2008 | Creditwrench |
Q: Currently I have a judgment against me for medical debt that I incurred in Ohio where I live, and I ...
A: Currently I have a judgment against me for medical debt that I incurred in Ohio where I live, and I ...
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| oBTTAINING COPIES OF CREDIT CARD CONTRACT | 10/12/2008 | Apex Credit Services, LLC |
Q: Unable to pay credit card. Received calls, letters from cc company. I sent a certified letter to ...
A: Liz: 1) The debt is probably time barred so check your state's statute of limitations, 2) Deal ...
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| Credit card debt of my mother who passed away was put on my credit report as charge off. | 10/12/2008 | Michael Brotherton |
Q: My mother passed away earlier this year and she had some credit cards that had balances. I had live ...
A: You may dispute the item on your credit reports through the credit bureus. Inform them you are ...
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| Cell phone charge off | 10/12/2008 | Barnette Law Offices, LLC |
Q: I cosigned for my sisters cell phone plan years ago and had the statements sent to her address. ...
A: Kim: Unfortunately, no, they don't have to contact you before dinging your reports. However, I ...
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| Debt Collection | 10/11/2008 | Barnette Law Offices, LLC |
Q: I received a letter from Asset Recovery Associates regarding a 13 year old debt. It states that ...
A: Carol: Well, it isn't a bad idea but, I would simply tell them to validate as well as the fact ...
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| old credit card debt | 10/11/2008 | Creditwrench |
Q: I have recieved a notice from a collection agency for a 1993 Barnett Bank visa credit card debt in ...
A: Send them a demand for validation of course. Don't use any of the letters so easily found on the ...
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| capital one | 10/11/2008 | Creditwrench |
Q: we recieved papers to appear in court, actuially mu husband did. he had a credit card when he was 18 ...
A: Let's worry about the more immediate problems first but get his name off of that checking account ...
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| Letter from Attorney | 10/11/2008 | Michael Brotherton |
Q: I received a letter from an attorney on Friday of last week (10/3/08), advising they represent ...
A: I have never seen anyone successfully complain about that particular issue concerning validation of ...
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| Colorado - credit card debt, lawsuit, default judgment questions | 10/10/2008 | Creditwrench |
Q: Background: I'm Colorado based. To keep a business afloat I sold personal assets and used credit ...
A: 1. Could the debt collection company file a lawsuit in a different jurisdiction (therefore I ...
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| harrassing bill collectors for someone that has moved | 10/10/2008 | Apex Credit Services, LLC |
Q: My brother married and moved out about 6 months ago. He and his wife have been negligent in paying ...
A: Melissa: Yes, under federal law; i.e., the FDCPA, you can compel debt collectors to stop ...
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| payday loans | 10/10/2008 | Barnette Law Offices, LLC |
Q: I had taken out 3 pay day loans 3 years ago. From what i remember i had paid them all. They after a ...
A: Anna: Contact the new debt collector/purchaser in writing and ask them to validate the debt. In ...
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| Payday Loan Collections | 10/9/2008 | Creditwrench |
Q: Recently, (couple of months) ago, I was contacted by a debt collection attorney from a payday loan ...
A: Filing complaints with the attorney general don't hurt but don't expect them to do much of anything. ...
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| unaware of debt, received collections notice | 10/9/2008 | Apex Credit Services, LLC |
Q: Good morning! I recently received a letter from a collection agency for approximately sixty ...
A: Cade: I would ask the debt collector if they have a subscription to the credit report agencies. ...
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| past credit problems | 10/9/2008 | Barnette Law Offices, LLC |
Q: i have had past credit problems with some charge offs. i was remarried 2 years ago. our house in in ...
A: Patrick: No, they cannot touch her or her assets for a debt that arised before you were ...
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| Proof of bill | 10/8/2008 | Apex Credit Services, LLC |
Q: A collection agency Asset Acceptance is garnishing my wages for a old phone bill from 10 years ago. ...
A: Ella: Unfortunately, no, inasmuch as I presume they obtained a default judgement against you in ...
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| Medical bill Summons | 10/8/2008 | Creditwrench |
Q: My daughters were both in the hospital in Arizona and we started receiving bills with a total due of ...
A: Negotiate? The time for that is now past. Time to start getting nasty with them. You have a summons ...
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| wrongful garnishment? | 10/8/2008 | Jason Shear |
Q: My daughter was in a bad relationship which ended in divorce. According to the writ for garnish., ...
A: Terry: Sorry to hear about your daughter's situation. First, let me start with the "validation" ...
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| collection agencies | 10/7/2008 | Creditwrench |
Q: I have 4 credit card debts ($60,000) that are with collection agencies. I called them 9 months ago ...
A: You are really missing the boat here. First of all your small payments will only waste more of your ...
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| Midland Fuding | 10/7/2008 | Apex Credit Services, LLC |
Q: Midland funding has taken me to court for FCNB I ask for a definite statement for the debt with the ...
A: Michelle: If you filed a "Motion for a More Definite Statement" then, no, they don't have to ...
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| Letter from Attorney | 10/7/2008 | Michael Brotherton |
Q: I received a letter from an attorney on Friday of last week (10/3/08), advising they represent ...
A: First, when an account is charged off it is still a valid debt, it is just written off as a bad debt ...
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| Colorado - credit card debt, lawsuit, default judgment questions | 10/6/2008 | Creditwrench |
Q: Background: I'm Colorado based. To keep a business afloat I sold personal assets and used credit ...
A: To answer your first question, I would check with the clerk of the court to see if the court dockets ...
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| Debt | 10/6/2008 | Creditwrench |
Q: I currently had a credit card company charge off my debt and now have collections harassing me. I ...
A: What can they do to you? They can file a lawsuit on you and try to collect on the judgment by ...
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| debt validation | 10/6/2008 | Creditwrench |
Q: Can a debt collector ask for more information after a validation letter is sent? I recently sent a ...
A: I suspect they are just trying to stall you and befuddle you with nonsense. You probably have a ...
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| payday loan | 10/6/2008 | Michael Brotherton |
Q: I got your answer on that payday loan. they called and they said they were from national ...
A: They can call but this is an attempt at fraud. If they call back let them know you are filing a ...
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| False amount lied affidavit | 10/5/2008 | Creditwrench |
Q: I have confusing question I hope you Can help me with. I have a default CC from about 3 years ago.It ...
A: Lots of things I have to know before I can start to give you any suggestions. So here goes. 1. What ...
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| How do i answer a summon? | 10/5/2008 | Creditwrench |
Q: I have till tomorrow to answer a summons. I owe $1,761 plus $352 lawyers fee. I have no idea what ...
A: You say that you have until tomorrow to answer a summons but you may actually have until Tuesday to ...
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| how do i plea on a court summons | 10/5/2008 | Michael Brotherton |
Q: I have till tomorrow to answer a summons. I owe $1,761 plus $352 lawyers fee. I have no idea what ...
A: If you are unemployed they cant touch you anyway although you may want to respond to the summons and ...
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| T-Mobile bill dispute | 10/5/2008 | Barnette Law Offices, LLC |
Q: I was a Suncom customer who was transferred to T-Mobile when the buy out occurred. My first bill ...
A: Rachel: You need to locate their department for Fair Credit Billing Act disputes and send them a ...
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| court summons | 10/4/2008 | Michael Brotherton |
Q: I had a credit card that was written off by the company. I just recd a court summons from ...
A: Yes, it is common that creditors sell bad debts to collection agencies or attorneys and they assume ...
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| Summons on credit given to a 17 yr old | 10/3/2008 | Barnette Law Offices, LLC |
Q: I opened a checking account when I was 17 yrs. old, in high school and no job. The man that opened ...
A: Ryan: Even if you did open the account when you were 17, if you kept it open after reaching the ...
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| Apartment Collection | 10/3/2008 | Apex Credit Services, LLC |
Q: Here is my case: I had a lease with an apartment complex from Aug 2006 for 12 months. When Aug ...
A: Katherine: You need to dispute the tradeline through the collection agencies. In addition, you ...
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| Amex Default self-employeed | 10/3/2008 | Jason Shear |
Q: I'm self employeed, used my amex last year for business even though amex tells me I shouldn't have ...
A: Robert: Sorry to hear your business is not doing well. Let me start with your first question. ...
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| Court Summons for Credit Card Debt. | 10/2/2008 | Creditwrench |
Q: I live in Florida. The alleged credit card debt was initiated in Massachusetts. My question is; ...
A: Yes, all you have to do is show up in court and demand that your case be heard in a trial before a ...
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| Court Summons for Credit Card Debt. | 10/2/2008 | Creditwrench |
Q: I live in Florida. The alleged credit card debt was initiated in Massachusetts. My question is; ...
A: Mediation is nothing more or less than arbitration and I don't like either one because both of them ...
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| Collection on residential lease | 10/2/2008 | Creditwrench |
Q: Last year I signed a lease for an apartment in Washington DC with my friend for 12 months. After ...
A: Then you need to pull your credit reports to find out if there is any incorrect information or ...
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| Credit Card debt | 10/2/2008 | Jason Shear |
Q: My elderly mother in law has 3 credit cards that she has not been paying. She is on a very limited ...
A: Nora: Hope all is well, sorry to hear your mother has to deal with this stress while she is ill. ...
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| Court Summons for Credit Card Debt. | 10/1/2008 | Creditwrench |
Q: I live in Florida. The alleged credit card debt was initiated in Massachusetts. My question is; ...
A: Will your SOL argument work? Probably not unless you really know how to make it stick. Most judges ...
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| Civil Summons | 10/1/2008 | Creditwrench |
Q: I received a civil summons to answer within 20 days. It is from a credit card debt I do owe. I have ...
A: You will have to file a response to the summons. It makes no difference that you owe the money. That ...
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| seizing of assets | 10/1/2008 | Creditwrench |
Q: I have a court appearance on an old credit card. I was told that the creditor would try and put a ...
A: You have really shot yourself in the foot. That is about the worst thing you could have possibly ...
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