| Subject | Date Asked | Expert |
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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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| 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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| 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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| Closed Account in May... Sent to Collections in July! | 9/30/2008 | Apex Credit Services, LLC |
Q: I closed my residential telephone account with Verizon in May 2008. Background: I've had the ...
A: Alicia: You can dispute the tradeline through the credit reporting agencies and try a goodwill ...
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| seizing of assets | 9/30/2008 | 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 want to make certain that the money from the pension and the money from the court settlement are ...
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| old debt | 9/30/2008 | Michael Brotherton |
Q: Two years ago I had to hire an attorney because my two brothers and I didn't see eye to eye on what ...
A: First, in all fairness you should write a letter to the attorney and express your concerns and what ...
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| Past due cell phone bill | 9/29/2008 | Jason Shear |
Q: My in-law received a call from someone saying they were the Orange County Sheriff dept in ...
A: Kimberly: Sorry to hear you are going through this with this unethical and lawbreaking collection ...
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| Voluntary Car Reposession | 9/29/2008 | Michael Brotherton |
Q: I am strongly considering turning my car over to the bank as a voluntary reposession. Technically, I ...
A: The problem with a voluntary or involuntary repo is that once they sell the car they will come after ...
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| filing summons answer | 9/28/2008 | Michael Brotherton |
Q: I'm trying to write up an answer to a summons and I have a couple of questions. 1. If I'm going to ...
A: Yes, of course that would be the most reasonable action for them to take but there are no legal ...
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| breach of contract | 9/27/2008 | Ray A Miller |
Q: they made me sign a contract for 2 years,after serving 1year I had to relocate so I resigned, whilst ...
A: Please remember that I am not an attorney but, you seem to need legal advise. You need to read the ...
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| Judgements & Credit Report | 9/27/2008 | Barnette Law Offices, LLC |
Q: My husband has several judgements that are at least 5 to 7 years old but on the credit report it ...
A: Debby: The only thing I can suggest is to try and dispute them off your reports. Unpaid ...
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| providians lawyer | 9/27/2008 | Jason Shear |
Q: providian retained a lawyer to collect a debt from me. i was served papers in oct of 04 i started ...
A: Sandra: What I need to know before I answer you more fully and walk you through what to do is: ...
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| Collection Process in Ohio | 9/27/2008 | Ray A Miller |
Q: I live in Ohio, and had an unexpected medical event happen to me in February (unable to walk) where ...
A: First of all, try the charity route again. The worst thing they can do is say no. Most medical ...
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| judgement/charge offs | 9/27/2008 | Michael Brotherton |
Q: I invested in a house rehab project and it went downhill. We still own the house (not in my name) ...
A: Your situation is getting to be more and more common these days as the markets keep plummeting. One ...
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| credit card debt from my deceased wife | 9/26/2008 | Jason Shear |
Q: and had a bunch of big medical bills on some credit cards - 2 Chase Cards ($37k), Amex ($16k) and ...
A: Michael: Hope all is well. Sorry to hear about your wife. First, what we need to determine is on ...
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| Collection Process in Ohio | 9/26/2008 | Ray A Miller |
Q: I live in Ohio, and had an unexpected medical event happen to me in February (unable to walk) where ...
A: Adam, I am very sorry to hear of your circumstances. I, as most, do not recommend bankruptcy. In ...
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| Removal from credit report strategy... | 9/26/2008 | Ray A Miller |
Q: So two irresponsible friends and I leased a home, 3 on one lease, the home suffered damages from a ...
A: A general attorney should be able to help you with this. The Credit Reporting Agency, I believe is ...
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| I am being sued for FDCP violation | 9/26/2008 | Ray A Miller |
Q: I am a debt collector for over 25 years. I am being threatened with a lawsuit for violating the ...
A: Please remember, I am NOT an attorney and can not give legal advice. I can advise you to seek legal ...
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| hi | 9/26/2008 | Jason Shear |
Q: are safe deposit boxes seizable? does one have to give their ssn to obtain one? which creditors ...
A: I will try to break down your question so that I can answer it. First, with regards to the credit ...
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| Debt collection practices | 9/26/2008 | Apex Credit Services, LLC |
Q: My school attempted to collect unpaid tuition fees which were well in excess of the original ...
A: Derek: Technically, no, it isn't legal if your request for validation to the first debt ...
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| Orthodontist Bill sent to Collection Agency | 9/25/2008 | Barnette Law Offices, LLC |
Q: I am in Knoxville TN. I received a call today from a collection agency about a bill for my ...
A: Krista: Because you are from TN and I practice in TN, I may be able to assist. But, I don't ...
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| Credit card debt | 9/25/2008 | Jason Shear |
Q: I was called from a law firm representing HSBC and was told that if I didn't come up with a certain ...
A: Cheryl: Your recourse is that you do not have to pay this bill. If your last payment on this card ...
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| hi | 9/25/2008 | Ray A Miller |
Q: are safe deposit boxes seizable? does one have to give their ssn to obtain one? which creditors ...
A: Most of these questions can be answered by a brochure at the bank which you are considering getting ...
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| collections letter received, never notified of money owed | 9/25/2008 | Ray A Miller |
Q: I recently received a letter from a collections agency. The letter arrived at my parent's house. I ...
A: Carrie: From what I can find out, as long as the original creditor owns the debt, they can place it ...
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| hi | 9/25/2008 | Jason Shear |
Q: are safe deposit boxes seizable? does one have to give their ssn to obtain one? which creditors ...
A: j: Yes you can have a safe deposit box under two names. You probably would have to give a SSN ...
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| Another one sued by Citibank | 9/25/2008 | Michael Brotherton |
Q: I was served my summons last month. I have my day in court next Wednesday. I am looking for advice ...
A: You need to document everything you just said and file a response to the courts if you haven't ...
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| Love, Beal, and Nixon | 9/25/2008 | Creditwrench |
Q: I got information today from a home investor that LB&N had some type of lien or had attached an ...
A: I certainly would advise against contacting LBN in any way because judgments have a 5 year statute ...
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| repo | 9/24/2008 | Barnette Law Offices, LLC |
Q: We live in NY. My husband has had auto repossessed voluntarily due to health issues. He is no longer ...
A: Laurie: If the original creditor is calling then the FDCPA does not apply. They can generally ...
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| Charge off limitation | 9/24/2008 | Apex Credit Services, LLC |
Q: My ex answered a credit app in 1999 and started charging on it. By the time I found out he had moved ...
A: Maryjo: Yes, insofar as the reporting period under the FCRA is seven years while the statute of ...
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| Collection of newspaper advertising | 9/24/2008 | Apex Credit Services, LLC |
Q: I received a call from a company stating my business owed a debt with a newspaper for advertising. ...
A: Rob: Honestly, not much insofar as the FDCPA does not apply to business debts. You may opt to ...
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