I had to cancel my debit card associated to the account bc of unrelated fraud. I figured that would cancel my subscription. It did not they auto renewed for a year. Since it didn't get paid they forwarded it to collections.
answered on Jun 7, 2021
Not by admitting you owe the money, which is what it appears you've done. Canceling a debt card does nothing to impair contractual obligations just because the card was given as payment. I would suggest sending the debt collectors a letter asking for proof of the debt. The FDCPA requires them... View More 
They say it is from a payday loan but they won't tell me the name of the company. I did owe a couple of companies but I am sure I paid them off. When I ask they name of the company they just say cash store. I have no way to know if this is legit or a scam. They keep threatening with taking me... View More
answered on Mar 10, 2021
There are so many scams out there concerning these "payday" loans. Tell them to only contact you in writing and demand proof of the debt. I bet you never hear from them.
I recently received 2 letters from a collection agency stating that I have outstanding debts for speed camera violations in 2 different municipalities in Trumbull County, Ohio. This came as a shock because I never received a formal citation, photograph, or any evidence of any kind that indicated I... View More
answered on Dec 29, 2020
Contact the municipalities to determine if they are valid, and if they are, then use the Find a Lawyer tab to retain a local attorney to advise you.
I got a call that said if I don’t call back that they would be obligated to take the case to court and advised find my location.
answered on Jan 19, 2021
This is something that an Ohio attorney could advise best on, since it could involve elements of state law. But your question remains open for a while. Until you can reach out to an Ohio attorney for more meaningful guidance based on the specific facts of your situation, as a GENERAL premise... View More
The billing company was aware of the appeals and my son was keeping them updated on the status. They still sent it to collections. Insurance has finally paid the claim in full so where does my son stand in this situation? Does he talk to the billing company? The collection agency? Both? Is he... View More
answered on Nov 19, 2020
Dear Mrs. Hibner,
An Ohio attorney could advise best, but your post remains open for two weeks. In most jurisdictions, the recommendation would more or less be standard... You could tell your son to ask the insurance company to provide him with proof of their payment of the claim - that... View More
answered on Oct 2, 2020
An Ohio attorney could advise best, but your question remains open for three weeks. It could depend on your capacity and role in the matter. If you are insured by a carrier, you may want to consult with their examiner or attorney for guidance. Good luck
Tim Akpinar
Will a simple statement (without a list of transactions) work? Or do they need the original agreement and list of transactions? This is for an unpaid credit card debt that was charged off and sold to Midland Credit. (Assume you're trying to fight it without filing bankruptcy please.)
answered on Sep 11, 2020
If you filed for bankruptcy after the debt was incurred and you received a discharge, all that they need is your case number.
I started a new career 2 years ago and was able to get health insurance through my company. I have some health issues, so rather than cancelling the insurance coverage from my wife, I had her policy switched to my secondary insurance and my new policy as my primary. Yesterday we received a stack... View More
answered on Aug 26, 2020
An Ohio attorney could advise best, but your question remains open for two weeks. What type of lawyer? It looks like you already did a good job of identifying the categories - health care law and collections. You could reach out to attorneys in those categories. If you engage an attorney who would... View More
It was quite a few years ago and she is now married to a successful doctor. She filed BK years ago but I know that the debt cannot be discharged. The amount was a bit larger.
answered on Aug 10, 2020
Each year the Ohio Tax Commissioner sets the interest rate on judgments. The current interest rate is 4%. As for attorney fees, that range is too large to properly estimate for you. If you choose to hire an attorney for collection, you can ask that attorney for what they're fees would be.
The case against me is from a creditor.
answered on Aug 10, 2020
It means the creditor has not been able to properly serve you court documents. They're likely to try some other means to serve you. As soon as you're served you have 28 days to file your answer or they will seek a default judgment.
If not how could I go about getting that money back?
answered on Jun 23, 2020
There is no exemption in Ohio to protect short term disability payments (received from an insurance company, I presume) from being attached. The only way you can get it back would be to file a bankruptcy (presuming you are having financial difficulties (consult a bankruptcy attorney) and getting... View More
I pay out of my check each week for the short term disability and or income replacement premium. So when my company sent the money the garnishment was already taken out in the sum of 900.00 I hope this helps. I know some states look at employer short disability as income. Not sure where Ohio fall... View More
I have been getting money taken out of my check for the a garnishment while I was working but thought Short term disability was exempt? It was for a old judgment.
What does that mean? I’m the defendant.
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jun 1, 2020
Plaintiff didn't take any action and so the case is dismissed.
I rented an apartment May 2019 to June 2020. On May 1st my rent was due. I was not going to have the money to pay the rent till after May 7th. On May 6th I got an eviction notice stating I needed to vacate by May 11th. To avoid legal action I left May 9th. I got a final statement yesterday saying I... View More
answered on May 26, 2020
Yes you can fight it. If they sue you for the money, then you can file an answer to the complaint that they file, and then attend the hearing to offer the lease as your defense. Check with local legal aid, or if your local court has a clinic with volunteers to assist those without an attorney.
Does this exceed the statute of limitations in Ohio? They keep telling me that I will have warrants and I honestly don't know what to do. I have never received anything about this.
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on May 14, 2020
This sounds like a scam to me. A warrant is used in criminal proceedings. An overdrawn account would be a civil proceeding. On the off-chance that they are a debt-collector using improper means, you could have a cause of action against the debt collector under the Fair Debt Collections Practices... View More
Discovery requests but they sent paperwork to start an ID Theft investigation. I don’t even know that the debt exists & not comfortable giving them any information or attesting to a theft with no knowledge a theft occurred. I have already stated under oath that the debt is not mine since I... View More
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 9, 2020
There is really no downside to filing a theft report and it can only help your case. There is a debt on your name. You say that it's not yours. If it's not yours there are only two options: 1) The Creditor made a mistake or 2) your identity was stolen. In either case, it's in your... View More
help please now im on hold with the hospital im trying to get receipts and a call log with the notes that were made on my account i don't know what else to do. why would they serve me AFTER i paid them?
ong story short I was an accident when to the hospital. had bills that had to wait... View More
answered on Mar 13, 2020
You probably have more than 3 days to answer. you have 28 days from date you were served with summons to provide answer to hospital's attorney and then must file answer with Court within 3 days of responding to attorney.
The hospital most likely referred the matter to collection... View More
The balance is high and its messing up my credit. Want to remove myself from the card. Will card company still allow me to contact them and make payments if I send my POA papers?
They still haven't taken care of warranty work they promised to do as recent as 2 months ago up till this last conversation and now that I said we were done with the games he now has sent me a bill for money that was owed at one time but he waived as good will gesture because of how long it... View More
answered on Dec 16, 2019
Cannot imagine that the work taking 2 1/2 years did not breach at least a portion of the contract. Was it properly permitted and installed by a licensed installer? The emails may establish a waiver. Have you been able to stay in the house? I would imagine that an occupancy permit was not issued.
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.
