Lawyers, Answer Questions  & Get Points Log In
Kentucky Collections Questions & Answers
1 Answer | Asked in Collections for Kentucky on
Q: A collection agency has marked my credit report over a disputed medical bill that I have been and am currently paying on

I have proof of monthly payments. Is there anything I can do?

Joel Gary Selik
Joel Gary Selik
answered on Feb 8, 2024

Negotiate with the creditor for removal as you are paying.

1 Answer | Asked in Business Law, Civil Litigation and Collections for Kentucky on
Q: someone is trying to sue my business, but has the business name incorrect. Does this affect anything?

A person is claiming that my business owes them money after equipment was purchased. There was no written agreement and they deposited the check, but are now trying to change the verbal agreement. They have since sent a certified complaint to the local civil court. The certified complaint does... View More

Timothy Denison
Timothy Denison
answered on Jan 27, 2024

Raise the incorrect name as a defense in your answer to the complaint.

1 Answer | Asked in Collections and Small Claims for Kentucky on
Q: I received a letter from the Kentucky Labor cabinet, stating that I owe $6,000 for overpayment of unemployment benefits,

it says I need to pay in full or minimum monthly payment of $250 by December 10th, or will put a lien on my social security number. my question is, How long does that process actually take for them to put a lien on my social security #? I don't want them to take my income taxes. I'm a... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Dec 1, 2023

There's no real way to know how long this action would take, because we're talking about government. however, you should assume now that that your tax refund will be taken by the state. If nothing else, pay the first $250.00 because that might delay things a bit. Figure out an alternative... View More

1 Answer | Asked in Consumer Law, Small Claims, Contracts and Collections for Kentucky on
Q: MCM (debt Coll.) trying to sue me for over a yr. they want a bench trial, what are my next steps?

KY Attorneys Only: *cannot afford attorney, SAHM* MCM has been trying to sue me for cc debt for over a yr. I answered the summons, and everything else like I’m supposed to and never heard back for almost a year. My circuit court sent me a notice to dismiss due to MCM lack of prosecution in a... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Nov 30, 2023

There are people in your town who know what to do. Lawyers. Hire one, because no amount of internet questions and answers is going to get you to the level of knowledge you will need to successfully represent yourself at trial.

1 Answer | Asked in Contracts, Products Liability, Collections and Lemon Law for Kentucky on
Q: Bought car in September from dealership no car fax just found out it was in 2 wreaks and air bags had been deployed and

I was never told this or the wreak no car fax . The finance company was looking through everything due to be getting behind on my payments for in December. I have had trouble since I got this car the car lot had me lie to the financial company when I bought it and threatened me when they called to... View More

Timothy Denison
Timothy Denison
answered on Jun 14, 2023

Consult a civil attorney who can flesh out the facts and see if you have a consumer protection. Lain.

1 Answer | Asked in Consumer Law, Banking and Collections for Kentucky on
Q: What can I do?

So my bank forceplaced insurance on my loan, for nearly $7,000. Never once even telling me there was an issue with my insurance coverage. Since I had automated payments, I went 3 months paying my normal payment, and had no idea my payment had even been raised from $430 a month, to $880! Never once... View More

Timothy Denison
Timothy Denison
answered on Jun 7, 2023

You may want to consult a bankruptcy attorney who can review your entire financial situation and see if you qualify for snd debt relief if reduction programs or for bankruptcy.

1 Answer | Asked in Collections for Kentucky on
Q: Being sued medical bills,no insurance ,cant work ,trying for disability. Can they take our home, cars and bank account?

I was in intensive care last year for 2 weeks no insurance. If the hospital would have let me or my wife know emergency Medicare was available if applied for the first 3 days they tell me about this on the 4th day. Now I am being sued. I haven't been able to work for 3 years. Wife supports us... View More

Joel Gary Selik
Joel Gary Selik
answered on Feb 13, 2023

Consult with an experienced collection defense attorney.

Your house and cars might be exempted; but not bank accounts.

2 Answers | Asked in Consumer Law, Collections and Insurance Defense for Kentucky on
Q: Is this a possible lawsuit?

I was force placed insurance on my truck that ive had insurance on since day one. They told me there was a lapse and my truck payment went from $400 a month to over $800 a month. I sent proof of insurance and they ignored me and dodged my calls for a week. I finally got ahold of them and they said... View More

Joel Gary Selik
Joel Gary Selik
answered on Feb 4, 2023

Yes it is a possible lawsuit. You should consult with an experienced attorney in consumer rights.

View More Answers

1 Answer | Asked in Consumer Law, Contracts, Business Law and Collections for Kentucky on
Q: Is this a case?

I was making payments through a truck I started financing a year ago, and those payments were being made through SMART Payment plan in which they charged me on a biweekly basis in means to help me pay off the vehicle quicker.

Problems occured quuckly and often through them. My payments were... View More

Timothy Denison
Timothy Denison
answered on Feb 3, 2023

Technically, there is probably some liability there but it very likely wouldn’t be worth the time, money or hassle to pursue it. If you can get reimbursed what you’ve lost ( or most of it), you’ll still be ahead of the game.

1 Answer | Asked in Bankruptcy, Consumer Law, Employment Law and Collections for Kentucky on
Q: My employer received a garnishment form to garnish my wages. The file date for garnishment was 2007. Is there time limit
Timothy Denison
Timothy Denison
answered on Jan 16, 2023

Yes. There is a 15 year statute of limitations on a judgment collection if it has not been renewed.

2 Answers | Asked in Contracts, Civil Litigation and Collections for Kentucky on
Q: I need help getting $10,000 back from a contractor who is not showing up and is ghosting me.

The fence guy did 4 days of work over the last 2 months. Has not responded to calls or texts the last week. Has his house, tractor, truck and other items now listed for sale. His tractor is sitting on my property. What are my options to get my money back?

Barry W. Kaufman
Barry W. Kaufman
answered on Oct 7, 2022

You should see an attorney first thing Monday morning; a lawsuit may be your only avenue.

View More Answers

1 Answer | Asked in Consumer Law and Collections for Kentucky on
Q: I paid a debt relief company monthly payments for 3 years and none of my debt was paid down. Can I get my money back?

I paid in almost twice my debt and they didn’t settle any of my debt. Payments over $200 month for 3 years. I called the company numerous times and they kept “disconnecting” me so I’d have to call back again and again. I finally called their bank and asked them to send me, in the mail, all... View More

Timothy Denison
Timothy Denison
answered on Jun 29, 2022

Most likely yes but you will have to sue the debt relief company.

1 Answer | Asked in Contracts and Collections for Kentucky on
Q: I have a lien on a personal sale vehicle, and still have the 2nd key. Can I get my vehicle back?

The purchase of the vehicle was written in to a home renovation contract. Contractor has not delivered on his end. Can I take my own vehicle back, or do I need to have it towed?

Timothy Denison
Timothy Denison
answered on May 22, 2022

You can take your own vehicle back yourself if you can do it without a breach of the peace.

1 Answer | Asked in Contracts, Collections and Small Claims for Kentucky on
Q: If you take someone to court for dishonor of a prommisary note. Do you need to send a letter of dishonor

Also would this be small claim court sueing for non payment of $4000.00

Timothy Denison
Timothy Denison
answered on Dec 28, 2021

No.

1 Answer | Asked in Consumer Law, Collections, Communications Law and Small Claims for Kentucky on
Q: Can a debt collector or original creditor still try to sue you if the loan was already cancelled as a part of a lawsuit?

I was contacted by a company on Monday 10/18/2021 called "Assurance Legal Proceedings" via phone stating that they are filing a claim against me in my county for attempt to defraud a loan company. They also said that they have contracted a location service to find me and serve me with... View More

Timothy Denison
Timothy Denison
answered on Oct 21, 2021

Yes. You are being scammed.

1 Answer | Asked in Consumer Law, Civil Litigation and Collections for Kentucky on
Q: I am in KY and I just received a call saying, I am being taken to court for a bank that I opened back in 2009.

the account was supposedly sent to collections in 2015 but I do not recall ever seeing this on my credit report. its now 2021 can they win a judgement? Is there not any statue of limitations for this? and why was it never on my credit report?

Timothy Denison
Timothy Denison
answered on Aug 31, 2021

Yes.

1 Answer | Asked in Civil Litigation, Civil Rights and Collections for Kentucky on
Q: Hello, I'm looking for any and all case files for William Mathis VS MTC, 1 LTD, a civil suit won for the defense.

The judgement was never paid.

Timothy Denison
Timothy Denison
answered on Dec 24, 2020

Check pacer.gov

1 Answer | Asked in Consumer Law, Real Estate Law and Collections for Kentucky on
Q: My taxes were bought by a 3rd party. I've mailed payment in full, they've failed to pick it up for weeks. What do I do?

Debt collector requires money orders. Payment has been waiting for them at usps for 15 days. USPS supervisor confirms that my money orders are there. The debt collector's office has been notified and I have contacted them to inquire why it hasn't been picked up with no concrete answer.... View More

Timothy Denison
Timothy Denison
answered on Oct 7, 2020

Not much you can do except wait for them to cash and release liens. Any other action on your part at this juncture would be too costly and premature.

1 Answer | Asked in Consumer Law and Collections for Kentucky on
Q: recovering your restitution money

Person paid restitution to a company thru local courthouse via escrow. The company is no existing filed bankruptcy. Can person file to get the money they paid in restitution back since company out of business and does not exist.

Timothy Denison
Timothy Denison
answered on Dec 12, 2019

I’d file in the case that ordered restitution. Cig you have proof of payment, you should be fine.

1 Answer | Asked in Banking, Civil Litigation and Collections for Kentucky on
Q: How do I find out if a judgement has been passed against me?

Got sued by Zwicker & Assoc via Discover Bank Credit Card in January 2017. Tried to work things out between now and then and I just could never afford the payments. Now when I go to search FOR the case by my case # on the website it's like it never existed. What does this mean? Did they... View More

Timothy Denison
Timothy Denison
answered on Jan 27, 2019

Go to the courthouse, have them pull the file and you will be able to see if they have s judgment and is so, what collection efforts are underway against you. You may want to hire a lawyer to help you try and settle the case.

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.