Get free answers to your Collections legal questions from lawyers in your area.
A loan was taken out for me by my mother, and cosigned by my aunt. I believed the loan was originally taken out under my name and cosigned by my aunt. Since I realize the loan is now not under my name or my credit report and I cannot claim the interest on my taxes, I feel I do not have an... View More 
answered on Apr 14, 2018
While your aunt and/or mom could sue you as the beneficiary of the loan, the bank cannot sue if you did not sign the note.
answered on Apr 5, 2018
Go to the court where the case is pending to file an answer and inquire about legal aid.
Ex is in prison, both names on title.
answered on Feb 20, 2018
Report the car stolen. Then call the police and tell them where it is.
I owned a small business that has been closed since 2006. It was set-up as an S Corp. How can I be personally liable for an old business debt? What do I do? How can I fight this and protect myself. I live off of disability. I am located in West Babylon, NY. Is there any legal aid that can help?... View More
answered on Jan 31, 2018
You need to make a motion to vacate it. Depending on the amount and the court, the price varies. If you have no assets, you are judgment proof. Disability payments are exempt and cannot be taken.
The money was in a timelocked bank account since I was a kid but somehow NYS said the account was inactive and they claimed the money. We got the money sent back to us but can I use it now as opposed to the original date agreed upon? It’s not in an account anymore so does it still need to follow... View More
he left for personal reasons and now I'm being charged for the equipment he took. The contract has mine and his signature
answered on Jan 22, 2018
As between you and the company, you owe it. You can sue your son for contribution.
debt for $13,000.00. Can the credit card company take the home away from my daughter?
My father had a boat which was repossessed about 8 years ago. He just received notices in the mail that he owes the balance plus interest for the past 8 years. The amount is exactly the amount that was originally owed.
answered on Nov 28, 2017
Just like a car, this is the deficiency after the repo sale, and the charges of the sale. Your father must respond. There are defenses, and settlement for less is possible. Ignoring it will cause a default judgment to be entered.
The lawyer wants double the amount of the original bill to settle the matter. He has a F rating with the BBB and has terrible reviews all over the internet. Is there a statue of limitations for this in NY?
answered on Oct 23, 2017
The statute of limitations applies to bringing an action. Once the judgment is entered it is on the record for 20 years. You need to bring a motion to vacate the judgment.
A member of my family had a brief hospital stay at the beginning on the year after which we received and then pain a Bill from the hospital in full. Several months after we paid we received a new bill indicating that we owed additional money for the hospital stay even though our prior balance was... View More
answered on Oct 19, 2017
It depends on what your insurance covered and what really was charged. If insurance is not paying, appeal with the insurance company.
My husband had a payment arrangement through a bank's attorney. My husband is now deceased. Do we need to do anything. Can this account be sold to another collection firm? We live in NY. Thank you.
answered on Sep 11, 2017
Probably marking off the case as the defendant is deceased. If this was solely your husband's debt, you do not have to do anything or ever pay it.
My husband told me that he has a judgment against in in New York state. He has not paid it and said they are going to come after my assets. The debt was not in my name and my assets are in my name only. We have been living separate for about 10 years. Can the bank come after me or my Assets? I... View More
answered on Aug 28, 2017
They cannot come after your assets if his name and social security number are not on your bank account.
my dad and i have a joint accnt from when i was 17 and has never participated in my account, never made any deposits/withdrawals/anything, only upon my request to take out cash for me sometimes when i needed, his participation was just to accompany a minor in opening an account and purely for... View More
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answered on Aug 16, 2017
Your Dad, if eligible needs to file Bankruptcy, otherwise, you probably won't be able to get it back. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced bankruptcy attorney.
The judment was filed in 2008 in Albany. The interest at this point is just too much for me to pay. I read that most judgments fall off after 10 years unless it is renewed or such. Will this judgement fall off or will they renew or does it last longer than 10 years?
answered on Aug 13, 2017
Judgments are on the books for 20 years in New York. Ten years is the time they are a lien on real property.
My father had an AMEX card for 50+ years. He was allowed to give me my own card. I used it only for emergencies, but then my husband lost his job and we started using it to pay bills. Also, I gave him use of it for expenses for his small biz.
We cancelled the card recently bc the debt was... View More
answered on Aug 4, 2017
You cannot stop the calls. It is his debt. AMEX will settle for half in a lump sum, typically, or give a payout. Your dad is not judgment proof, and he will be sued. You need to get authority from him to settle the account and be prepared to pay.
I understand that I can file a complaint with the Police and AG for the bad check. However, I am not certain whether NY or CA is the correct jurisdiction. I have tried to convince client to fix bad check and work out balance. Client refuses in part because he believes that I have threatened him... View More
answered on Jul 15, 2017
While either NY or CA can be the correct jurisdiction, it is easier to hire a CA lawyer, as that is where the money will be to collect.
I received an email without my name on it indicating that I may owe money to someone. Email from Public Records Service at 150 Motor Parkway,Suite 401, Hauppauge, NY.
answered on Jul 12, 2017
You can contact the AG to determine if the company is a valid collection agency, and you can contact the NY Bar to determine if the lawyer is licensed in NY. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney... View More
I received notice on 06/04/2016 for Judgment, which I immediately paid. I never received mailed warrant dated May 2016 - my rental home's address is out of sequence and I consistently not get my mail or get it very late (when neighbors return it).
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