| Subject | Date Asked | Expert |
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| Collections and cease and desist letters | 7/18/2008 | Creditwrench |
Q: I was contacted by Hyat, Hayt, & Landau in regards to a matter they acquired thru Asset Acceptance. ...
A: The only way you will get any relief is to sue them in federal court. You seemingly have lots of ...
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| Payday Loans | 7/18/2008 | Michael Brotherton |
Q: I am in trouble with too much payday loan debt. As of now I am current on everything, ...
A: First, unless the lender can prove intentional fraud you cannot be prosecuted for a bad check on a ...
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| Breach of contract | 7/17/2008 | Creditwrench |
Q: Totaled car with no insurance 1997; owed $6400 on loan, lost job with no ability to pay. This week ...
A: call me and I will go through the questionaire and help you give the best answers possible without ...
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| judgement | 7/17/2008 | Creditwrench |
Q: I have an old debt which I think the statute of limitations may have run out but I didn't know about ...
A: No, you have to plead a statute of limitations defense at the hearing. You have to prepare it in ...
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| Payday Loans | 7/16/2008 | Creditwrench |
Q: I am in trouble with too much payday loan debt. As of now I am current on everything, ...
A: They can't get to your disability or pension checks. Don't close any bank accounts and keep just a ...
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| debt elimination | 7/16/2008 | Creditwrench |
Q: I've heard that there is a company in Alabama called Court Mediation Services, which claims to be ...
A: Give me a call and I'll show you how to do it the right way and it will cost you less than $1000.00 ...
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| judgment | 7/16/2008 | Creditwrench |
Q: A judgment was filed against me in 2002. I recently ordered a copy of my credit report and ...
A: He sure can if you don't stand up and fight. For instance, you say the judgment was filed against ...
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| debt elimination | 7/16/2008 | Creditwrench |
Q: I've heard that there is a company in Alabama called Court Mediation Services, which claims to be ...
A: No, I don't know anything about them other than the fact that they are in Phoenix City, Alabama. ...
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| Foreclosure after chapter 7 discharge, mortgage included | 7/16/2008 | Creditwrench |
Q: I filed for chapter 7 in December of 2005, discharge was in Feb, 2006 which included my home ...
A: Just a formality? I'll believe that when I see pigs flying by flapping their ears. Yes, they will ...
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| Chase Attorney's | 7/16/2008 | Creditwrench |
Q: I have an old Chase Credit Card from back in college that paid for my final semester. When I ...
A: Desperate and stressed? Why not learn how to fight back and give them more grief than they are ...
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| Agreement violation | 7/16/2008 | Creditwrench |
Q: I was sued and I lost and I entered into a written payment agreement. I made my first payment and ...
A: So keep the copies you have so you don't run out and send them a set. Can you file any papers with ...
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| Garnish Wages | 7/16/2008 | Creditwrench |
Q: I have just got a notice from my work that my wages will be garnished by a co Hyat Hyat Landau and i ...
A: The question(s) are how did it happen that you got a judgment against you and you didn't even get a ...
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| Agreement violation | 7/16/2008 | Creditwrench |
Q: I was sued and I lost and I entered into a written payment agreement. I made my first payment and ...
A: You should have a copy of the money order before you sent it. If I send a money order or a check to ...
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| Charged-Off Accounts and Debt Reporting | 7/15/2008 | Creditwrench |
Q: I live in California. I have several marks on my credit from agencies that purchased my debt from ...
A: Depends on which statute of limitations you are asking about but it appears that you are asking ...
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| Debt collectors & credit reporting | 7/15/2008 | Creditwrench |
Q: My stepson (Dyllan)was buying a vehicle when he was told he had a debt in collection. He had never ...
A: You should be keeping a careful written history of all that has transpired so you can sue them in ...
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| letter from a law office | 7/15/2008 | Creditwrench |
Q: Just asking if a law office sent me an e-mail if the law office has to be in the same state to take ...
A: Do they have to be in the same state? No, not to send you an email. They don't have to be in the ...
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| Wage and Bank Account Garnishments | 7/15/2008 | Creditwrench |
Q: My wages and bank accounts have been garnished. What can I do to try to get these removed in ...
A: Normally speaking it is not possible to get garnishments removed in any state. You owe the debt and ...
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| Civil Summons | 7/14/2008 | Creditwrench |
Q: My dad has been served with a civil summons. He does not speak the language very well so I must ...
A: All I can say is that if he has been served with a summons he must go to court and argue the case. ...
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| debt collection third party | 7/14/2008 | Creditwrench |
Q: i have recieved a phone call today from spellman and roman stating i had until 11:00 am today to ...
A: Now you knnow why I always recommend that people get themselves a good digital voice recorder and ...
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| debt collection third party | 7/14/2008 | Creditwrench |
Q: i have recieved a phone call today from spellman and roman stating i had until 11:00 am today to ...
A: Why do you want to pay them when you can easily make them pay you instead? You were abused by them ...
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| debt collection third party | 7/14/2008 | Creditwrench |
Q: i have recieved a phone call today from spellman and roman stating i had until 11:00 am today to ...
A: Yes, it is illegal to threaten to do that which they know cannot be done. Payday loan companies ...
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| Agency harassment | 7/14/2008 | Creditwrench |
Q: I paid off my Capital One credit card at least six months ago. After receiving the payment, they ...
A: The first thing is to get rid of the calls either by sending them a certified mail return receipt ...
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| Court Summons from Debt Collector | 7/14/2008 | Creditwrench |
Q: "On Friday, I was presented with a Summons demanding that I provide an answer to the complaint ...
A: I can't help you with bankruptcy and wouldn't even if I could because bankruptcy is a mess you don't ...
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| Court Summons on debt | 7/14/2008 | Michael Brotherton |
Q: On Friday, I was presented with a Summons demanding that I provide an answer to the complaint "which ...
A: You may request validation as part of your answer but would need to dispute the debt and show a ...
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| medical bill payments | 7/12/2008 | Creditwrench |
Q: I owe $300 for a overnight hospital stay last fall. I have been paying $10 a month on this bill ...
A: Do whatever you can do. Best if you just pay them and be done with it. Bill Bauer 405-684-9297 ...
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| leaving the country | 7/12/2008 | Michael Brotherton |
Q: I lost my job, my only choice is to go back to my country and stay with my family. I found someone ...
A: Although I believe they can pursue collection in other countries it is not likely unless the debt is ...
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| Payday loans | 7/11/2008 | Creditwrench |
Q: I live in Texas. I have too many payday loans and cannot pay them. Some of them required that I ...
A: NO. District prosecutors won't take a complaint from a payday loan company because they knew that ...
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| Summons On old dept | 7/11/2008 | Creditwrench |
Q: I just received a summons on a old credit card dept from Jan 2002. I looked up Ca is says SOL is 4 ...
A: Yes, there is a link in the body of my first reply that goes through that as will as there being ...
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| Sued by collecions agency | 7/11/2008 | Michael Brotherton |
Q: I received a summons from a friend that was at my house. He answered the door and I was not home and ...
A: This depends on your state. Some states allow prejudgment garnishments or seizure of assets under ...
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| Civil summons on credit card debt. | 7/10/2008 | Creditwrench |
Q: I let this credit card get away from me because I tried to make payments with the credit card ...
A: In far too many courts they don't have to prove anything at all to get a judgment. They ask for it ...
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| Civil summons on credit card debt. | 7/10/2008 | Creditwrench |
Q: I let this credit card get away from me because I tried to make payments with the credit card ...
A: How will you answer the summons? What will you say? How will you prove that the statute of ...
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| collection | 7/10/2008 | Creditwrench |
Q: My daughter received a summons to appear in court on 7-29-08 from Midland credit management for ...
A: You are going to have to respond to the summons, of course. Both of you need to respond. I'd use a ...
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| Summons On old dept | 7/10/2008 | Creditwrench |
Q: I just received a summons on a old credit card dept from Jan 2002. I looked up Ca is says SOL is 4 ...
A: If you don't prepare and file a properly written SOL defense they will get the judgment no matter ...
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| Statute of limitations | 7/10/2008 | Creditwrench |
Q: What is the statute of limitations on medical debt (open contract?) in the state of Nebraska? ...
A: Check out the link below that says Statute of limitations for all states" Bill Bauer 405-684-9297 ...
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| Bad Debt Haunting Card Signator | 7/10/2008 | Michael Brotherton |
Q: A few years ago, I had a credit card in my name only with a nationwide home improvement store. My ...
A: Since he was just an authorized signer he is not responsible for the debt. He may file a complaint ...
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| 2 accounts - same CA | 7/10/2008 | Creditwrench |
Q: I'm in a predicament. Not intentionally... but I'm there and need some help getting myself out the ...
A: You are asking me to speculate on what the outcomes might be and unfortunately I can't do that. I ...
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| Collection harrasment. | 7/9/2008 | Michael Brotherton |
Q: We were getting behind on our credit cards so we went and did a Morgage consolidation loan to pay ...
A: You will need to provide proof the debt was paid to the original creditor. Did you pay by check, ...
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| 2 accounts - same CA | 7/9/2008 | Creditwrench |
Q: I'm in a predicament. Not intentionally... but I'm there and need some help getting myself out the ...
A: The first thing I would do is go directly to the tax collector's office and try to pay them directly ...
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| Sued by credit card company | 7/8/2008 | Creditwrench |
Q: I received papers from a constable for a lawsuit from a credit card company. The plaintiff is the ...
A: So you got served with a summons? I've answered this same question so many times that it is ...
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| received entry of default due unpaid credit cards | 7/8/2008 | Creditwrench |
Q: i had bank of america credit cards about 3yrs ago, from losing job, single mom and medical bills. ...
A: You should not file for bankruptcy because it is expensive and it also wrecks your credit. Although ...
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