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A debt collector just contacted me saying they acquired my debt, and want me to respond. 1)How long do they have to collect?
2) What are my options??
Thanks!
Thanks for the response(s). It was a judgment for money, but the amount they are seeking is ~$17k more than what the... View More 
answered on Jan 16, 2018
There should be a judgment for money, not merely for foreclosure. Assuming there is a judgment for money, or an order for the same, and is registered as a judgment, then the debt collector has 20 years to collect the judgment.
answered on Jan 15, 2018
It's possible you could receive a 1099 for the difference of the amount you owed and the settlement amount. That difference is taxed as income. Talk to a tax professional.
answered on Jan 12, 2018
Yes, unless ypu jave told.them not to.do so. They cannot reveal to anyone else at work who they are, why they are calling, etc.
I don't want my wages to be garnished. Please help. Thank you.
answered on Jan 4, 2018
Quite simply, you have 20 days after service to file a response with the court to avoid having a default entered against you. If you take appropriate steps, you should be able to defend or settle the case. Wage garnishment can be avoided.
They're asking me to pay back $6128.23 which I will have a difficult time paying. Their interest rate was ridiculous amount to begin with as I had less than great credit to begin with. I had it voluntary repossessed because I could no longer afford the payments as I had recently become... View More
answered on Jan 11, 2018
If you want to avoid a judgment, yes, you have to pay it. If you dont care, dont pay it. Your credit will continue to be damaged with a judgment, and you may be subject to a wage or bank garnishment.
Also, if they admitted to a crime in the text messages, can this be used to testify against them?
answered on Dec 13, 2017
Yes, text messages are admissible as evidence under those circumstances.
answered on Dec 6, 2017
The Fair Debt Collection Practices Act "FDCPA" prohibits debt collectors from contacting debtors at inconvenient or unusual places. Some workplaces, by their nature, are inconvenient places for debtors to take collection calls. If it's inconvenient for you to take calls at your job... View More
The letter says they "have been retained to collect" an outstanding balance and "an attempt to collect a debt."
answered on Dec 4, 2017
If you believe the debt is not owed, you should notify them in writing to verify the account. If the debt is owed, you will want to negotiate a payoff or installment plan so you can avoid getting a judgment against you and your credit. If you do not have means to pay and you have lots of debts,... View More
Now she is getting sued by the collection agency and received a summons to appear for a pre-trial conference. What can we do to help her as she has no available funds to pay the $2800.00 plus fees on this unsecured loan. The summons states she has to go or have an attorney represent her at this... View More
answered on Dec 1, 2017
You could go with her. Pretrial in small claims court is mediation. Do not fail to appear or you most likely will be held in default. Your goal - show that she is judgment proof. Social security payments can be exempt. Do not comingle funds. You may be asked to consent to having a judgment... View More
A friend, Andrew, told me that somebody, Bob, was demanding money from a bill they incurred over a year ago. Bob was allegedly using profanity and making threats to garnish Andrew's wages. I told Andrew that he should have said something to the effect of "you can pick up the check from... View More
answered on Nov 18, 2017
Only if it was a credible threat of sexual battery (i.e.: rape). I don't see what you suggested he say was anything like that.
answered on Nov 10, 2017
"Motion for Interest" perhaps. But the bigger question is why do you want to add interest to the traffic tickets you have to pay?
this lawsuit is over a supposedly defective piece of equipment that no one could ever find any issue with the equipment. customer continued to use to equipment every day, my main question is, my former employer eliminated my job in Feb, 2017 and as well terminated me. i was paid 6 months severance... View More
answered on Nov 10, 2017
Unfortunately, the subpoena is a court order and you must appear, regardless of your feelings.
How do I remove a "paid" collection account from my credit reports? I need removed to purchase a home! I have reached out to the credit companies and they refer me back to the company that placed this on my report. I've reached out to Comcast who placed this as "paid" on my... View More
answered on Nov 8, 2017
This situation is covered by the Fair Credit Reporting Act. File a dispute letter with the credit reporting agency. If they don't correct the error, you have the right to sue both the furnisher of the information and the credit reporting agency.
Our LLC loaned the money to their LLC. They signed a Promissory Note. They agreed to $5,500 with interest from 4/20/15 on the unpaid principal at the rate of 12% per annum. They are a construction contractor so In lui of interest on the first six months they agreed to provide labor to complete... View More
answered on Oct 27, 2017
Your only recourse is to file a lawsuit on the promissory note in county court to collect the funds, or get a judgment that will entitle you to collect the funds. You will need to hire an attorney in your area to file the lawsuit as you are a corporation.
State of Florida
answered on Oct 19, 2017
Typically the repo group just needs to not breach the peace or damage property. If you did not pay for the vehicle they have the right to take it back. From
What you say no laws broken here.
answered on Oct 18, 2017
There is no "proper way" to settle a judgment. You should negotiate with the debt collector. Tell them about the strong points of your position and the weak points of theirs. Then, make an offer. Let's see if they respond.
I made 2 payments they are not being accounted for. I do have proof of payments. What would my response fall under on the form??
answered on Oct 17, 2017
If you are being sued for an amount that is in excess of what you owe, then you can sue for violations of state and federal fair debt collection practices.
They have never called me but they have called 2 other people and one of them was never on any of my accounts or anything of mine?
answered on Oct 11, 2017
If you stopped paying in 2012, the account may be past the Statute of Limitations for collections. In any event, if a debt collector is calling someone that is not on your account for collections, you and/or they may have a Fair Debt Collection Practices Act claim. The contact should be... View More
IM TRYING TO WORK WITH THEM BUT THEY WANT 80% OF THEIR $3500.00 BALANCE. $2,600.00 WAS THE ORIGINAL LOAN AMOUNT. AND THEY ARE RUDE AND WONT EVEN ENTERTAIN MY OFFER OF $1,139.00. THE GUY SAYS I MUST'VE THOUGHT HE WAS PLAYING WHEN HE TOLD ME THEY WEREN'T TAKING ANYTHING LESS THAN $2,400.00.... View More
answered on Oct 4, 2017
There is no way to rebut anything via this online free Q&A forum. You need to sit down with an attorney in your area and get advice regarding the whole situation. You may be stuck as you willingly made the loan which is very likely based upon a written contract. The Payday loan people do not... View More
Good morning,
My husband received a court order to appear for a pre-trial conference/mediation and I received the order on Saturday 9/30/17.
LVNV Funding LLC (from Credit One) credit card is suing him for $1,147.62. They wanted him to appear that Monday 10/30/17, but he just had a... View More
answered on Oct 3, 2017
I am sorry for your current situation. First, I think that you should contact the lawyer on the other side and inform them of the current inability to attend the pretrial conference. However, court staff is overworked and understaffed so I recommend that someone appear to explain you... View More
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