| Subject | Date Asked | Expert |
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| collections lawsuit | 5/15/2008 | Creditwrench |
Q: I am being sued for a credit card debt and need to file a response to the court to buy time, but ...
A: Creditwrench teaches people what their rights are under the law and how to actually make the debt ...
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| Received a Writ of Garnishment from collection company | 5/15/2008 | John G. Watts |
Q: Greetings, I have received a certified letter from a debt collection company stating a Writ of ...
A: David, Why don't you contact a consumer lawyer - here is one in your state - ...
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| collections lawsuit | 5/14/2008 | Creditwrench |
Q: I am being sued for a credit card debt and need to file a response to the court to buy time, but ...
A: You should use creditwrench on them instead of bankruptcy because creditwrench does exactly the same ...
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| Agreement for Judgment | 5/14/2008 | Creditwrench |
Q: I live in Mass. and I'm disabled collecting SSI. I also sporadically receive a small amt of money ...
A: Above all, don't sign any such agreements. Your SSI income cannot be garnished by anybody but the ...
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| Credit Reporting SOL Old/Transferred debt | 5/13/2008 | Apex Credit Services, LLC |
Q: I decided to check my credit reports recently not expecting any problems other than outdated info ...
A: Michelle: It is the policy of the credit reporting agencies to report positive, closed accounts ...
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| Unifund Group | 5/13/2008 | Apex Credit Services, LLC |
Q: My wife received a summons to appear in court on May 28th of this year regarding a bad debt Unifund ...
A: Sam: Much of what you're saying is correct however, we cannot advise you with much detail ...
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| who should pay this money my Ex-daughter-in-law or I? | 5/13/2008 | Apex Credit Services, LLC |
Q: I was contacted by a collection agency yesterday in regard of medicinal bill for my ...
A: Jack: If you're seeking "legal" representation, we don't offer attorney-c;ient representation. ...
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| Served by collection agency | 5/13/2008 | Creditwrench |
Q: My ex-girlfriend and I were named on a summons regarding a past apartment we both used to share. ...
A: Ok, now you have clarified things just a bit. Her name is also on the summons so if she don't file a ...
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| papers served to Mom | 5/13/2008 | John G. Watts |
Q: Yesterday, my widowed Mom was served papers from sherif for a delinquent credit card dept($12.000 is ...
A: Vera, First thing is to make sure she answers the complaint. Never let a default judgment happen. ...
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| Being used by Unifund Partners | 5/13/2008 | Michael Brotherton |
Q: My wife received a summons to appear in court on May 28th of this year regarding a bad debt Unifund ...
A: Unifund is very busy these days. They buy up old credit card debts and file suit, obtain judgement, ...
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| Sent to Collections | 5/12/2008 | Apex Credit Services, LLC |
Q: I recieved a medical bill for 1,500. I called to make payment arrangements with the hospital but we ...
A: Jordan: No, they're not obligated to give you an accounting. Most do as a courtesy. That ...
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| Arbitration Award | 5/12/2008 | Michael Brotherton |
Q: I recieved a letter via sheriff regarding an arbitration award being filed against me by MBNA / ...
A: I really don't have sufficient information to respond to your questions. Although the statute of ...
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| Collectors threaten employment and jail time | 5/12/2008 | John G. Watts |
Q: Ok, my husband and I got into a little trouble when our first child was born with a few credit ...
A: Trisha, This is illegal conduct. ...
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| foreclosure | 5/10/2008 | Michael Brotherton |
Q: My wife and I are about to go into foreclosure on a construction loan. Due to the market conditions, ...
A: If you let the property go into foreclosure without trying to negotiate a deed in lieu of ...
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| credit collection | 5/10/2008 | John G. Watts |
Q: I have a credit collections company threatening to sue me however, the debt no longer appears on my ...
A: Marlana, A debt does not have to be on a credit report in order for the company that owns it to sue ...
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| Served by collection agency | 5/9/2008 | Creditwrench |
Q: My ex-girlfriend and I were named on a summons regarding a past apartment we both used to share. ...
A: You can do whatever you want about the ex girlfriend. You can sue her or turn her over to the lawyer ...
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| who should pay this money my Ex-daughter-in-law or I? | 5/9/2008 | Apex Credit Services, LLC |
Q: I was contacted by a collection agency yesterday in regard of medicinal bill for my ...
A: Jack: Technically, they could argue that they had a permissible purpose under the FCRA necessary ...
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| summons | 5/9/2008 | Creditwrench |
Q: irecieved a summons for a credit card that i owed 300 with interest they charged it of 11/03 and ...
A: Send interrogatories, admissions and demand for production of documents. Study your rules of ...
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| Can a judgment be enforced? | 5/9/2008 | Michael Brotherton |
Q: If a company you owe money to sues you, gets a judgment and later goes out of business, is the ...
A: This depends on whether they still have an obligation to you according to the contract you signed ...
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| oklahoma statue of limitations | 5/8/2008 | Creditwrench |
Q: Is or was teh statue of limitations on credit card debt in oklahoma 3 or 5 years? Also Do you know ...
A: The statute of limitations in Oklahoma was changed from 3 years to 5 years. I don't know when that ...
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| lawsuit unavoidable? | 5/8/2008 | Creditwrench |
Q: Today, at 4:00pm, my husband received a call from a attorney with B of America regarding our CC debt ...
A: If you can't or don't want to come up with 4 grand by Friday then I suppose a lawsuit is inevitable. ...
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| Williams And Fudge collection | 5/8/2008 | Apex Credit Services, LLC |
Q: This company reported me to all three credit reporting agencies before notifying me in writing of ...
A: Sherri: Unfortunately, yes, they can. However, since your reports was the first notice you ...
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| credit card debt | 5/8/2008 | Apex Credit Services, LLC |
Q: my mom and dad are being taking to court over c cards we live in tennessee they are threating to ...
A: Mary: If this were a couple of weeks into the future, I could jump right in on this. However, ...
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| Being Sued | 5/7/2008 | Creditwrench |
Q: My wife is being sued for a medical bill not paid for in Florida. The bill was for Feb 2003, for ...
A: I can well understand your feelings over the billing problem resulting in your getting a summons but ...
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| I think they tried to serve me.. | 5/7/2008 | Creditwrench |
Q: I had to stop paying my credit cards because I couldn't work. It has been less than a year since I ...
A: Do not call them. You will have to respond to the summons when they finally do get you served. You ...
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| Summons | 5/7/2008 | Creditwrench |
Q: Yesterday I was served a summons for a debt of 18,000. I have 20 days to respond. what do I do? I ...
A: If you live in Ma. you are in real trouble. There have been many horror stories in the Boston Globe ...
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| Legal for Midland Credit seeking judgement | 5/7/2008 | Creditwrench |
Q: Good Day, I recently have been receiving collection notices from a legal firm representnig Midland ...
A: You received a summons so you will have to respond to the summons. You should have also sent a ...
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| Steps on suing Collection agencies | 5/7/2008 | Creditwrench |
Q: I would like to know what are the steps on suing collection agencies. I have sent certified letter ...
A: The first step is learning that you may not be able to sue them for that. There is no requirement ...
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| Default judement/Supplemental hearing | 5/7/2008 | Michael Brotherton |
Q: I live in Washington State and last week I was served with papers for a judgment against me. Suttell ...
A: You have good information. File the motion to set aside the judgment based on the fact you were ...
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| "Old Debt" | 5/7/2008 | Creditwrench |
Q: I have been contacted by a third party collection agency about a debt approximately 10 years old. ...
A: It all depends on your point of view. First of all you can successfully defend against any lawsuit ...
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| Summons for Court on Credit Card Debt | 5/7/2008 | Creditwrench |
Q: I received a Summons and Complaint to Court from Capital One on a $500 credit card debt (which they ...
A: If you just show up for court the judge may tell you that you can't say anything because you didn't ...
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| responding to civil credit complaint | 5/6/2008 | Creditwrench |
Q: I've read some of the answers that resemble my question....just want to clarify a few points:I live ...
A: All my calls are forwarded to my cell phone and it got turned off accidentally so I missed your ...
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| Finding an attorney | 5/6/2008 | Creditwrench |
Q: I have been served a summons for unpaid credit card debt, and I would like to know what I should be ...
A: Look for an attorney who can intelligently discuss the Fair Debt collection Practices Act with you. ...
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| Debt Collector served SPOUSE for my debt? | 5/6/2008 | Creditwrench |
Q: I was not home this morning, and my spouse was served a summons for my debt, with only my name on ...
A: Yes, that is a perfectly legal service of summons. So now you have XX number of days to respond to ...
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| Settled at Pre Trial Conference | 5/6/2008 | Apex Credit Services, LLC |
Q: I made a big mistake. I was summoned to a pre-trial for a credit company for the amount of ...
A: Paul: If you cannot afford the payment, the Plaintiff may allow you to reduce the price and ...
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| Summons for Court on Credit Card Debt | 5/6/2008 | Creditwrench |
Q: I received a Summons and Complaint to Court from Capital One on a $500 credit card debt (which they ...
A: They can't throw you in jail but in Florida they can garnish wages if you are not the head of the ...
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| hi | 5/6/2008 | John G. Watts |
Q: a friend of mine has bad credit she has below avg intelligence and related to me that a man ahd ...
A: This looks very illegal to me - I would not have any part of this. The proper way to improve your ...
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| credit cards | 5/5/2008 | Apex Credit Services, LLC |
Q: credit card debt that was from 1994 ,is there any time limit in there collection time???
A: Steven: Yes, however, the statute of limitations is only an affirmative defense in the event ...
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| court-ordered stipulation | 5/5/2008 | Creditwrench |
Q: i had a debt with a citibank credit card that i was trying to negotiate a settlement on when they ...
A: You need to check with the clerk of the court first to see if the court has some standard form to ...
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| collection letter | 5/5/2008 | Apex Credit Services, LLC |
Q: I live in texas getting ready to move to virginia in 4 weeks. Me and my wife were scammed by a ...
A: Steven: You could request validation from the collection agency but, that is largely a ...
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