Get free answers to your Collections legal questions from lawyers in your area.
I had $1000 dollars in my bank account, I moved all of it into a investing website, but I accidentally did it twice, and now I'm in the hole for $1000, but I've already invested all the money. I know I can pay it back and the overdraft fees back by the end of the month, am I able to do... View More 
answered on Mar 3, 2020
Its not illegal. You have only a certain amount of time to replace the money. You pay it back as soon as humanly possible whether its against the law or not because the overdraft amount is not your money
The student does not have the money to pay for the tuition. Parent that signed them up (Mother) Divorced and does not make enough money to cover costs as well and does not own a home. Moved to Pensacola approx. 4 yrs ago. The credits are not transferable and now the University closed its doors.
answered on Mar 3, 2020
If you registered, signed an agreement to repay tuition, and actually took any classes offered by Kaiser University you are liable to them--regardless if they closed their doors. On the other hand, you may also have a valid claim against Kaiser University for failing to live up to its written... View More
I have a closed cc with jp Morgan that's over a year old for 5400.00. Today I received a settlement offer from collection agency for $580.00. I know there can be tax implications and it will impact my credit score, but other than that, are there any other negatives for accepting this offer?... View More
answered on Feb 25, 2020
A settlement offer is that - an offer to settle the account. The offer must be in writing, which I assume it was, judging by your post. If you comply with the offer, they cannot then retract it. You should keep all correspondence, to include your response(s) and a copy of the cancelled check, for... View More
Have a copy of a hand written agreement by the person who owes me the money & notarized, for a specific amount to be paid per month. (Along with texts of agreement being made and pics sent by them of the letter while being written.) The payments have not been received since the initial payment... View More
A debt buyer is suing me in county court. My lawyer has tried to reach out to the debt buyer’s attorney, however there has been no response. This has been ongoing since the middle of November. What are my options? Thank you.
answered on Feb 5, 2020
Why are you searching on-line for your options when you are currently represented? Are you unsure about your attorney's advice? - or has your attorney failed to advise you?
to prison I filed an appeal. I won my appeal and my conviction was overturned. When I got home from prison I had to start paying on the fine, I've been paying $75 a month for the last 4 years. I know I shouldn't be paying the fine, how do I go about not paying anymore and getting my money... View More
answered on Feb 5, 2020
I think it depends on the appellate decision and what exactly was “overturned”. A lawyer would have to review your file and likely, if applicable, file a motion in court to address the issue. I hope this helps.
answered on Jan 27, 2020
If you are being sued in Canada-but have never lived there--you might be able to get out of harms way very quickly; but you need to hire a lawyer to help you do it.
The loan was made in California. I live in Florida now. He is Montana. I have sent by certified mail and certified email. I know he got the correspondence. I have offered him payment plans. I have asked him to contact me if there is some issue. He continues to ignore me. I doubt there is much I can... View More
answered on Jan 14, 2020
You're probably right: there doesn't appear to be anything you can do. You would have to sue him in either California or Montana, and the statutes of limitation in either of those states are probably less than 10 years.
I doubt the debt filed in court in 2003 belongs to me . Collectors didn’t respond to my two certified letters asking them to send me original contract with the bank signed by me and the original date and amount of the debt at delinquency. It seems that they don’t have those documents because... View More
answered on Dec 6, 2019
This question is much ado about nothing important. If the debt goes back to 2003 it is uncollectible because of the statute of limitations. These bottom-feeders know that; and that is probably why they will not respond to you. And
whatever you do, do NOT agree to pay them anything--at least... View More
Our business was placed in a commercial collection agency for a past due bill which we recognize and we are willing to pay although the collection agency does not want to disclose a detailed breakdown of what they are charging under "collection fees" which are close to $5000 and this... View More
answered on Dec 6, 2019
Not specifically. There is a statute which deals with commercial collection agencies, but it addresses only the requirement that an agency register with the state as such.
if I read the facts correctly, you owe the creditor $X.xx but the collection agency is demanding $X.xx plus $5,000; and... View More
A default judgment was filed in court in2003 for credit card debt .Writ of execution issued while I was living abroad . First notice I received three months ago when my bank account was put on hold and instantly drained to the last penny never knew before about the judgment until I received a... View More
answered on Dec 3, 2019
Yes they do it all the time, whether it is legal or not doesn't matter as they get a default judgment and the judges just blindly sign whatever the collector puts in front of them, it is like a conveyor belt of submitted garbage and trash from these collections companies that turn into cash.... View More
They told me they could put a hold on my person. I explained to her that due to bad health and being unemployed that I couldn't pay the fee that started out at $2184.84 then they said the lowest they could go was to $700. When I asked for documentation regarding this she said they didn't... View More
answered on Nov 14, 2019
Ignore them, they are lowly collection people, they cannot arrest you, they can try to file a lawsuit and get a judgment and if you do not have anything or make very little, they cant even collect that at all, they are trying to fear-monger you into paying or agreeing to do something that you do... View More
I had a collection fall off my credit score and here recently the same collection was reported under a new debt collection agency. They're reporting old past due amounts as if they are new. Is this legal?
answered on Nov 12, 2019
No. Unless you somehow renewed this old debt (by trying to make payments recently) you will need to contact the credit bureau and file a challenge to this old debt.
answered on Nov 7, 2019
Yes; but if you are in a small claims court the dollar amount should not be too high because the county court judge will lose jurisdiction--and you will end up paying larger filing fees.
answered on Nov 4, 2019
Are you being sued by someone? It seems a party has filed notice to withdraw the complaint and changed their minds thereafter.
answered on Nov 1, 2019
1. Who is they?
2. Generally, after the CC is charged off, the balance is frozen. However, interest may accrue on the charged off balance, depending on your credit card agreement and how your creditor or its outside lawyers interpret the agreement.
3. If the creditor brings a... View More
After vacating my apartment complex, my previous landlord is threatening to send claims to collections. We did not put down a security deposit. We dispute the claim they are making. They refuse to send me the bill for damages, just stating " it cost xxxx to fix." They have only contacted... View More
answered on Oct 30, 2019
By "collections", I think you mean using a collection agency or collection law firm to demand payment from you. Sure, that's merely using a third party to act on behalf of the landlord instead of the landlord itself/himself/herself making the demands. If that occurs, send back a... View More
I received a letter in April 2018 saying that the Plaintiffs Notice of Dissolvetion of Continuing Writ of Garnishment. Now being told they reopened it . What can I do? I am so Confused.
answered on Oct 21, 2019
You must have had your wages or some other income garnished; right? And so--back in April--the person or lender who sued you and received the garnishment must have though the debt had been fully discharged because they told the court--an d the bank--that they were "dissolving" the... View More
Purchased a house in October 2018 and mortgaged through Suntrust. In December 2018, they increased our tax escrow from $350 to over $700 a month. I challenged having to pay taxes of the prior owner for 2018 multiple times. In March 2019, I became disabled and lost my job. Tried to work with... View More
answered on Oct 19, 2019
Unless you actually lost your home to a foreclosure caused by negligence of the lender you are barking up the wrong tree. You cannot sue anyone unless you can prove some actual injury that caused some cognizable damages. "Almost lost our home" is NOT a legal injury; why? Because you... View More
For the down payment. We have been paying him back one hundred a month. He says we can't make him leave because of the money and because he lives here and receives mail here. What can we do?
answered on Oct 14, 2019
This is not a legal question. This is a (very sad) personal dilemma created by you and your grown son. Unless the oral contract between you and your son is in writing it is no enforceable--by you or your son. Thus I am unaware of any legal remedy you could use lawfully to evict your son. At best... View More
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