Lawyers, Answer Questions  & Get Points Log In
Questions Answered by Nathan DeLadurantey
1 Answer | Asked in Collections for Wisconsin on
Q: Can a credit card debt collector freeze my bank account if it only contains disability, pension and IRA deposites?
Nathan DeLadurantey
Nathan DeLadurantey
answered on Jun 29, 2017

You'd need to offer a few more details - are you talking about the funds in your checking account? Regardless of the source, you have a balance of $5,000 (based on the state statutes) that's protected from garnishment.

1 Answer | Asked in Collections and Probate for Wisconsin on
Q: Can Aurora Health Care automatically send bills for deceased patient to collection agency? It's their new policy.

I received first and only bill for my deceased mothers care May 30. Called for itemized bill June 1 and was told I could not have itemized bill because deceased patient's accounts are blacked out upon death, however, I might be able to get a copy after her account is closed. Then on June 9 I... View More

Nathan DeLadurantey
Nathan DeLadurantey
answered on Jun 15, 2017

Are they sending the bill to you? Sounds like you need to locate a Wisconsin consumer law lawyer to review the letter for you. They shouldn't charge you anything to review the letter, explain your rights, and give you some advice.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: Can I apply for a loan modification if I'm already in foreclosure?
Nathan DeLadurantey
Nathan DeLadurantey
answered on Apr 17, 2017

Yes, you can. Call up your lender right away.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: A company is stating they are unable to remove a late payment from my credit reporting because it is illegal. True?

They state the FCRA requires them to do so. I have been in good standing and this is a one time occurance.

Nathan DeLadurantey
Nathan DeLadurantey
answered on Apr 17, 2017

I am not aware of a law that makes such an action illegal - but most companies have a policy of not doing so.

1 Answer | Asked in Consumer Law and Foreclosure for Wisconsin on
Q: Foreclose hearing set for 4/25/17. Lender has lied to us about loan mod and will not produce the note. What to do?

Last August 2016 we saw discrepancies in our payments being applied. We asked for documentation of payments applied. They lied and on multiple occasions told they were sent to us. We stopped paying, then later they added atty and late fees resulting in large fees being added. Meanwhile they lied... View More

Nathan DeLadurantey
Nathan DeLadurantey
answered on Apr 17, 2017

These situations are very fact specific. I would recommend filing a complaint with the Attorney Generals office, as well as the Consumer Financial Protection Bureau. Otherwise, you will need to hire a lawyer ASAP to fight off the foreclosure.

1 Answer | Asked in Consumer Law for Wisconsin on
Q: I bought a car from 199ride.com Wausau auto. They lied to the bank about my monthly income. Now the bank has backed out

Wausau auto is now demanding I return the car. The DMV says Wausau auto has to find me other financing but Wausau auto claims I lied about my income. None of my paperwork shows an income amount but they claim to have a document stating that I get $3000 a month.

What can I do?

Nathan DeLadurantey
Nathan DeLadurantey
answered on Apr 17, 2017

They do have to find you financing; or service the loan at the terms offered. Locate a consumer lawyer for advice if they don't offer this to you - or worse yet, offer you worse terms from some other financing place. We call that "yo-yo" financing.

Justia Ask a Lawyer is a forum for consumers to get answers to basic legal questions. Any information sent through Justia Ask a Lawyer is not secure and is done so on a non-confidential basis only.

The use of this website to ask questions or receive answers does not create an attorney–client relationship between you and Justia, or between you and any attorney who receives your information or responds to your questions, nor is it intended to create such a relationship. Additionally, no responses on this forum constitute legal advice, which must be tailored to the specific circumstances of each case. You should not act upon information provided in Justia Ask a Lawyer without seeking professional counsel from an attorney admitted or authorized to practice in your jurisdiction. Justia assumes no responsibility to any person who relies on information contained on or received through this site and disclaims all liability in respect to such information.

Justia cannot guarantee that the information on this website (including any legal information provided by an attorney through this service) is accurate, complete, or up-to-date. While we intend to make every attempt to keep the information on this site current, the owners of and contributors to this site make no claims, promises or guarantees about the accuracy, completeness or adequacy of the information contained in or linked to from this site.