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Your current state is Virginia
I spent the last five months filing a civil lawsuit in the United States District Court for the District of Idaho for a debt of $46,000. However, my case could not remain in federal court under diversity jurisdiction because the total was not $75,000. I have mailed a notice to voluntarily dismiss... View More 
My daughter, who studies in Georgia, signed a lease agreement in 2023 but failed to pay the 2-month holding deposit. The landlord claims she breached the contract and referred her case to an attorney in Utah for collection. Though she communicated her financial difficulties due to my job loss and... View More
I loaned #7,000,000, and there is a written agreement specifying the repayment terms clearly. However, I am having trouble recovering the loan. What steps can I take to recover the loan, and should I consider legal action?
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answered on May 16, 2025
It’s incredibly frustrating to have your money tied up when there’s a clear written agreement in place. If the borrower is not responding or failing to meet the repayment terms, the first step is to send a formal demand letter. This letter should outline the amount owed, reference the... View More
I received a release of garnishment from the Gwinnett County court before receiving a garnishment letter from the plaintiff. I have not been garnished, and there has been no communication with the plaintiff regarding this issue. What should be my next steps?
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answered on May 16, 2025
Receiving a release of garnishment before any actual garnishment or official notice can be confusing, but it may indicate that the garnishment action was withdrawn, resolved, or dismissed before being enforced. Since you haven’t been garnished and there’s been no communication from the... View More
I'm considering filing for bankruptcy due to credit card debt, as I'm currently unemployed and unable to make payments. I've never filed for bankruptcy before. I'm receiving phone calls and text messages from creditors. What steps do I need to take to begin the bankruptcy... View More
answered on May 17, 2025
In filing for personal bankruptcy, there are 2 types: Chapter 7 and Chapter 13. You are likely looking at a Chapter 7 because you have no or limited income. Chapter 7 is where 100% of your unsecured debt like credit cards, medical debt, and personal loans are wiped out. You have to qualify for this... View More
I represent IRC Tire Motorcycle Company, Inoue Rubber Co., Ltd., based in Japan. We need assistance with collecting a debt of approximately $773,647 USD from a client located in North America, specifically Canada. The debt is one year old, and no previous actions have been taken. We have the... View More
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answered on May 16, 2025
It’s understandable that you want to take action, especially given the size and age of the debt. Since the client is based in Canada and the invoices and goods receipts are in your possession, you have a strong foundation to begin formal collection. Your first step should be to hire a law firm... View More
I am not trying to take this money from him that he got an inheritance from his lover in Kentucky who was an attorney I just don't want him to have it if it got bushed down the toilet that would be fine or donated to a worthy cause that would be fine but for him to have that after doing his... View More
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answered on May 15, 2025
What you’re feeling is valid, especially when someone you know has avoided their responsibilities as a parent. It’s painful to watch a person benefit financially after neglecting their own children. Wanting justice doesn’t mean you want revenge—it means you're trying to stand up for... View More
I want to know if a collector can seek payment from me for a credit card debt solely under my deceased husband's name, after over two years since his passing. I was not on the card, there was no probate nor estate, and I provided the company with his death certificate and estate-related... View More
answered on May 15, 2025
No, they can't file suit against you, they would have to sue your late husband's estate. If there is no probate case, in theory they could open one and seek to sell his assets if any, but that is unlikely.
In May 2024, I sold a property, and the title agent mistakenly recorded the wrong closing year on the tax filing, making it appear as a taxable transaction. I asked the title company to amend their records and send a corrective letter to the IRS. The IRS acknowledged having received the letter and... View More
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answered on May 15, 2025
You may have legal remedies against the title company based on their error in reporting the wrong year of your property sale. When a title agent submits incorrect information to the IRS that results in financial harm to you, such as penalties and interest, this can be grounds for a claim of... View More
United Legal Firm has been calling me and my ex-husband, claiming I owe money to Cash Net USA for a loan I have not paid off which has been charged off. They are threatening to sue me but have not provided any specific details about a court case. Despite their claims, I haven't received any... View More
answered on May 15, 2025
This sounds very much like a hoax. I would not make any deal or pay any money. If they call you again, tell them you need written verification of the debt including any assignment or transfer of the debt from Cash Net USA to them or a copy of an agreement executed by Cash Net USA hiring United... View More
I was served a lawsuit by Patenaude & Felix, A.P.C., regarding a debt owed to Synchrony Bank amounting to $2,927.65. On May 9, I attempted to dispute the charges with Synchrony Bank and sent a letter requesting validation and documentation, but I have not received a response. Synchrony Bank has... View More
answered on May 15, 2025
Put up your best defense, including and counter-suit. Then, if the debt is valid, show what has been paid and negotiate a settlement.
Note, You must respond in the legal way and on time with, for example a motion or an answer with affirmative defenses. Failure to do so could result in a... View More
I have been subject to wage garnishment for over three years due to a court judgment on my car loan. There have been no changes in my employment status, and I haven't been in contact with the lender about the garnishment. Is it time for the garnishment to stop?
I am facing an issue with my doctor's office regarding payment allocation. I have $1,047 in medical debt in collections, all incurred before I turned 18, which I understand is my parents' responsibility. However, I've been paying for my current medical bills as they come in,... View More
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answered on May 15, 2025
You should begin by formally documenting your concern with the doctor's office in writing, including a detailed explanation of the payment misallocation. Reference any recorded phone calls where you instructed the office to apply payments to your current bills. Request that they apply your... View More
I sold sod on terms to a customer for over $15,000, with the agreement that it would be paid within 30 days. It has been several months, and he hasn't paid and is no longer responding to my messages. I have text messages about the agreement and reminders, but nothing is signed. He operates a... View More
answered on May 15, 2025
The enforceable agreement can be verbal or in writing with his signature. If the exchanged message shows that he acknowledges the deal, you have enough evidence to sue his company for breach of contract. Nevertheless, you can sue him for unjust enrichment if the message does not show that an... View More
I received an email from a collection company stating they are taking me to court over a medical debt. I am concerned this might be a violation of HIPAA, as my personal health information may have been shared with them without my consent. Is it legal for a collection agency to sue me under these... View More
answered on May 15, 2025
Yes. The fact that you are being sued over a medical debt does not mean that anyone violated HIPAA. The likelihood that your medical information was shared is low, because people in the medical field/collections are exceptionally attuned to HIPAA.
I want to stop a creditor from contacting me about a credit card debt that's over 7 years old. I have not received any written communication or been involved in any court actions related to this debt, and I have had no contact with them. The creditor also acknowledges that the time has run out... View More
answered on May 15, 2025
Send them a cease and desist letter telling them to stop all methods of communication. I recommend mailing it certified mail so you have the tracking information, as well as sending it in any other written method (if you have an email address for them or something else).
I received medical services, including birth control injections and annual checkups, while I was covered by my stepfather's insurance (Anthem Blue Cross Blue Shield) and under the age of 18. These bills are now in collections. I've contacted the collections agency once to request removal,... View More
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answered on May 14, 2025
You're right to question whether you're truly responsible for these medical bills. In most cases, minors are not legally responsible for contracts, including medical billing agreements, because they do not have the legal capacity to enter binding contracts. That responsibility typically... View More
I left an apartment in Texas in 2022 without notifying the management and have not been in communication since. I've recently received a professional letter demanding $4,000 for overdue rent and moving out costs, mentioning possible collection efforts and litigation if not complied with. The... View More
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answered on May 15, 2025
If you don’t pay the apartment debt in Texas, the management company or a debt collector can pursue legal action against you. This could include filing a lawsuit to recover the \$4,000 they claim you owe. If they win in court, they may be granted a judgment, which can lead to wage garnishment (in... View More
I'm in Colorado and have received a summons for a Pattern of Interrogatories requesting personal information, with the deadline being today. A judgment was already awarded in this case. I haven't been able to obtain a lawyer yet and need an extension. How can I request an extension, and... View More
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answered on May 14, 2025
You're in a tough spot right now, but it’s good that you’re trying to take action before missing the deadline completely. In Colorado, when you’ve been served with post-judgment interrogatories (like a Pattern of Interrogatories), you're legally required to respond within the time... View More
I am involved in a lawsuit initiated by Midland Credit Management over a debt they acquired, and I have filed a motion to compel arbitration based on the arbitration clause in the credit agreement. Midland Credit Management requires me to begin arbitration within 30 days or they plan to file... View More
answered on May 13, 2025
You can't. Either they do or don't. If they don't, you can countersue for the arbitration costs they agreed to pay.
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