I moved out of my apartment in early September 2021. The lease states that the new resident is responsible for transferring utilities into their name. However, the new tenants did not do this, and I only realized in February 2022 when I cancelled my account. Consequently, I received a bill of over... View More

I owe $3,800 to a debt collector after my Credit One account was sold. They've offered a payment plan requiring automatic bank withdrawals, starting at $50 per month for six months and then increasing to $120. I want to pay $50 monthly without bank authorization, but they said it wouldn't... View More

Portfolio Recovery is attempting to take my income, but their attorney mentioned it is exempt because it is my only source of living. We have already been to court regarding this matter. How should I proceed to ensure my income remains protected?

I am in California, and I recently received a collection notice from a tow company for $3,253.44 concerning one of my vehicles. I possess copies of the titles, but three of my vehicles were stolen, the last one in August 2023. I have not had any vehicles towed recently, and the collection notice... View More

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answered on Mar 12, 2025

First, contact the towing company directly and request detailed information about when and where your vehicle was towed, as well as documentation proving they followed proper notification procedures required under California law. Clearly explain that the vehicle was stolen, provide a copy of your... View More

I filed my bills with a debt consolidation company, Litigation Practice Group, but they filed for bankruptcy in 2024 and didn't pay my bills despite me paying them in full. I have proof the money was withdrawn from my account. I have a contract with them. Now the creditors are calling and... View More

Timothy Denison
answered on Mar 10, 2025

You are responsible for them. You may want to file a fraud claim against the debtor for fraud for not paying your bills.

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I have charge-offs related to a credit card and a personal loan. Creditors have contacted me, but I have not received any settlement offers. I believe these charge-offs are affecting my credit score, and I previously consulted with a financial advisor, but I was not satisfied with their advice.... View More

Phillip William Gunthert
answered on Mar 11, 2025

Probably not, those are probably uncollectable debts based on how old they are and whether the statute of limitations has expired on them and whether a lawsuit was or will be filed if they are not past the statute of limitations will matter. If you decide to settle them, you need to negotiate how... View More

I received a notice of assignment to a judicial department and a scheduling conference for a past due credit card on October 3, 2024, without receiving a prior summons. I have since paid the past due amount. The representative from the law firm, who is not a lawyer, informed me that there are no... View More

I received three debt judgments, and a receiver was appointed, seizing funds from two of my bank accounts—one with Social Security funds and the other with my paycheck. After presenting my documentation in a hearing, the judge ordered the return of $14,122 in Social Security protected funds... View More

I'm owed $30,000 by a friend, and she wants to sign over a cashier's check for the same amount to me, which she received from selling land. There is no contract between us regarding the debt. Can this be done legally, and are there any potential issues I should be aware of? No one else is... View More

Erik A. Perez
answered on Mar 10, 2025

To be safe, I would recommend having a settlement agreement prepared and signed by the parties. Simply signing over the check leaves the situation open to ambiguity and interpretation. It is highly advisable to have a proper settlement agreement prepared, reviewed, and signed by the parties... View More

I have a default judgment of $180,000 issued by the Dallas County courthouse. I've tried to find an attorney to start collecting on this judgment. While I've located the defendant, who I believe is selling cars for personal gain on Facebook, I haven't taken any legal actions against... View More

John Michael Frick
answered on Mar 10, 2025

You probably can't. While there are attorneys whose practice includes collecting judgments, like other people, those attorneys will expect to be compensated for their time on either an hourly fee or a contingency fee. Legal aid clinics who assist indigent litigants generally do not undertake... View More

I have an Intoxalock device in my vehicle, and the company has sent my account to a collection agency without prior contact. I previously called Intoxalock, and they informed me about the collections. They haven't provided specific reasons for this action, and I haven't received any... View More

I worked for a California state department and was terminated in October 2022. In May 2024, I received a letter stating I owed money due to a delay in adding my son to my health plan after his birth in July 2020. Initially, they said I owed $600, then sent another letter with a higher amount. Upon... View More

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answered on Mar 8, 2025

You have the right to request a detailed breakdown and verification of this alleged debt. Under California law, government agencies are typically required to clearly explain the basis for charges, including dates, amounts, and reasons for the debt. Because they've provided conflicting amounts... View More

I loaned money to a friend to have her horse put down. Her lawyer, responsible for managing her finances, sent me a check to repay the loan. However, the lawyer deducted some money from the check, claiming it was for a loan I supposedly owe for "bail," even though I've never been... View More

I received a notice in the mail at an old address in Oregon, requesting payment of $150 for a 2004 speeding ticket from the state of Louisiana. I have no recollection of such a ticket, and the notice seemed unexpected. What should I do about this situation?

I am seeking legal assistance regarding a wrongful wage garnishment related to an old debt associated with a vehicle purchase. The vehicle, a lemon, became inoperable the year I purchased it, and I have not possessed it for well over the statute of limitations period in Utah. Despite this, a debt... View More

Timothy Denison
answered on Mar 7, 2025

You should hire a lawyer to sue the debt collector as you have some pretty substantial damages. Looks like a pretty easy case to prove on your part.

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I have credit card debt that has gone to collections, and I share a checking account with my parent who is only on the checking account and not on the credit cards. No actions have been taken by the collection agency yet, and there are no past financial agreements or communication from the credit... View More

I had a couple renting a room in my home in Georgia starting November 3. They hardly paid, and I asked them to leave by February 24. They left by February 3, leaving behind some belongings such as blankets, shoes, and a small desk. The rental agreement doesn't specify how to handle non-payment... View More

I had a couple renting a room in my home in Georgia. They caused disturbances, and I asked them to leave by February 24. They moved out on February 5 but left behind a lot of belongings, mostly junk and a small desk, as well as trash. There was a written rental agreement, but it didn't specify... View More

I received a petition today stating that I owe $6,904.62 plus 8.25% interest, 25% attorney fees, and costs. There's no original judgment date mentioned. Can I appear in civil court anytime within ten calendar days after service without risking a default, or should I go as soon as possible? I... View More

Randy Bryan Ligh
answered on Mar 7, 2025

The Petition is the vehicle which starts the process to obtaining a judgment against you. The citation attached with the petition should tell you how many days you have to respond (or Answer) the petition before the petitioner may seek a default judgment against you----based on your post, it... View More

I am dealing with a medical bill collection issue in Ohio. I had been consistently paying my medical bill until a declined transaction occurred without my knowledge. Recently, I received a phone call from a collection agency demanding full payment of the bill without providing any documentation or... View More