Don't rely on your credit report, but apparently your lender either obtained a judgment against you and then sold the account to Consumer Portfolio; or sold the account to Consumer and it obtained a judgment; but either way it appears Consumer has sold it to Jefferson Capital.

I... View More

The 3 year statute of limitation (assuming that you are correct about the time) is the statute upon which to bring suit. The statute of limitation to execute upon a money judgment is much longer in every state, generally 10 to 20 years. Sounds to me like the garnishment action was brought within... View More

Short version is that in general, if you believe someone owes you money and the borrower does not voluntary re-pay, then you will have to sue him in civil court. Now, the specifics and terms of the transaction will determine the strenght of your case---I highly recommend that you contact a... View More

Before your ex returns you should hire a private investigator to update your knowledge of his assets and income. Next, hire an attorney to file a collection lawsuit and ready it for service upon your ex when he returns. The suit should be filed shortly before his return. This will not guarantee... View More

Did you join the Uninsured Employers Benefits Trust Fund? If not, that is malpractice by your attorney. Once joined, this fund pays any award that the employer does not pay! You do not have to chase down the employer for payment. The fund pays you, then they try to collect from the employer.

A "charge-off" of a debt is an internal accounting process, and it has no legal effect on the indebtedness.

You appear to be correct about the length of PA limitations.

Note that the PA statute of limitations runs from the date of default. That period may be extended,... View More

Probably not, those are probably uncollectable debts based on how old they are and whether the statute of limitations has expired on them and whether a lawsuit was or will be filed if they are not past the statute of limitations will matter. If you decide to settle them, you need to negotiate how... View More

To be safe, I would recommend having a settlement agreement prepared and signed by the parties. Simply signing over the check leaves the situation open to ambiguity and interpretation. It is highly advisable to have a proper settlement agreement prepared, reviewed, and signed by the parties... View More

You probably can't. While there are attorneys whose practice includes collecting judgments, like other people, those attorneys will expect to be compensated for their time on either an hourly fee or a contingency fee. Legal aid clinics who assist indigent litigants generally do not undertake... View More

The Petition is the vehicle which starts the process to obtaining a judgment against you. The citation attached with the petition should tell you how many days you have to respond (or Answer) the petition before the petitioner may seek a default judgment against you----based on your post, it... View More

You asked if they are legally allowed to ask you for medical records. They can ask for anything they feel like - the issue is whether you have to comply. A Target collection agent asking for medical records makes ZERO SENSE, which makes me wonder if someone is trying to scam you - for example,... View More

Based on your description, it appears you are fighting an uphill battle that you can never win. Consider looking into filing for bankruptcy. But first, please understand that bankruptcy is a very complicated process. It is important that you educate yourself about bankruptcy before jumping into the... View More

You should contact a bankruptcy lawyer for advice about filing Chapter 13 (I assume this is personal income tax). You may get a longer time to pay if you file bankruptcy, and you may actually get back the funds if you file quickly.

In my experience, the State of NC will not lift the... View More

I’d be shocked if an attorney would file a motion to revive a judgment that was issued more than 10 years before the filing of the motion. It’s the filing date that counts, not the hearing date.

The issues for the court to determine are (1) was the motion to revive the judgment FILED... View More

These facts indicate a debt that is noncollectable by lawsuit due to the passing of the statute of limitations.

Once should confirm with an experienced debt collection defense attorney as time limits can be complicated. You can also find out if the debt collector violated the law and if... View More

Your lawyer (or another lawyer if yours is not interested in pursuing the matter) needs to pursue "Supplemental Proceedings In Aid of Execution" and have the owner of the company set up for questioning about the extent and location of assets, any pending sales, income, and so forth. These... View More

While there is a legal limit on how much they can garnish per pay period, you probably cannot get an exemption. You would need to speak directly with the attorney that is pursuing the wage garnishment to see if you can work something out. Speak with a debt defense lawyer for more specific advice.

You should immediately get a "claim of exemption" form from the clerk of court, and if you are entitled to an exemption, you should complete and sign it and file it with the clerk. It appears that the child support you pay is not equal to half or more of your monthly wages, so your wages... View More

I would contact a consumer protection attorney familiar with the Fair Credit Reporting Act to determine if there is an actionable claim against Trans Union. If there is an actionable FCRA claim, there's a chance that this increased interest rate can be used as damages but tough to determine... View More

Greetings, creditors typically are able to freeze the account by serving the proper court order on the bank. You may file an objection to the levy with the court. There are certain exemptions for funds that may not be levied. For example, your social security funds, disability payments, money from... View More