Get free answers to your Collections legal questions from lawyers in your area.
The doctor office never billed insurance, did not notify me of the outstanding bill for a year despite me have numerous visits after the unpaid date. By the time I was notified it was outside the contracted time for the insurance to pay. The bill is excessive, $800+ for one infant checkup. I have... View More 
answered on Apr 3, 2024
You can argue anything you like, but you could have also paid it or entered into a payment plan with the doctor's office well before suit was filed. If your response is that you didn't have the money, that's not a legal defense to the complaint. Additionally, you are responsible for... View More
Car rental for minor hail damage. They are grossly over charging me. Their pics they took are really bad. I took pics at the same moment I returned it. I also paid $1,000 on that same day that they have not shown on any paperwork. I have requested but they won't show it was deducted off of... View More
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answered on Sep 27, 2024
To resolve this situation, gather all of the evidence you have, including the clear photos you took at the time of returning the car, any written communications with the rental company, and the proof of your $1,000 payment. Ensure your documentation clearly shows the discrepancy between the rental... View More
I received a summons that wasn’t yet submitted to the court, reached out to the collections agency and they wanted $3k for $1800 so I called the creditor and paid them directly and the agency filed the summons 7 days after i paid! Am I still liable if they didn’t do their due diligence for... View More
answered on Mar 4, 2024
You may have a defense to the case as an “Accord and Satisfaction.”
I fell behind on payments after losing my job.
The payments were towards a leasing agreement for a dog I purchased over a year ago. The amount on the lease was already much higher than the price that was listed on the dog but I didn't find out until after I signed the leasing... View More
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answered on Nov 12, 2023
In Colorado, the legality of repossessing a pet under a lease agreement can be a complex issue. Typically, pets are considered personal property, but repossession of an animal raises ethical and legal questions that are distinct from repossessing inanimate objects. If your lease agreement... View More
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answered on Oct 27, 2023
If your case was dismissed with prejudice, the rental property should not typically add it to your credit report as a collection. Should they attempt to do so, it's advisable to communicate with the property to address this and, if necessary, dispute any inaccurate report with the credit... View More
answered on Mar 29, 2023
Yes, they can soon. But this does not mean they’ll be able to collect anything from you. All your money and assets might be exempt.
The bills are 2 1/2 years old and they want fees and interest. I filed an answer stating I am not responsible
answered on Nov 7, 2022
CRS 14-6-110 provides: "The expenses of the family and the education of the children are chargeable upon the property of both husband and wife, or either of them, and in relation thereto they may be sued jointly or separately."
This means you can be held responsible for his... View More
I received a strongly worded letter from a law firm threatening legal action in the form of a lawsuit over an unpaid debt. They also said that it’s been noted that I attempted to basically defraud the collector because I allegedly closed a bank account. (Don’t recall this) The debt itself I am... View More
answered on Apr 12, 2022
first of all, go see a good bankruptcy/financial distress lawyer. It sounds to me like the statute of limitation might have run. If that is the case, then you have an action against the law firm.
That aside, bankruptcy could be your solution, but only a good local lawyer can give you that... View More
All the bills are in his name only - I had not signed anything.
answered on Mar 11, 2022
Generally speaking, you are not responsible for the debts of another person, even if its your husband's medical bills as in this case. Since they are in his name only and you did not sign anything personally guaranteeing payment, you are not responsible for that debt.
However, your... View More
The account is now listed as closed, I never made any agreement/payment arrangements w/ creditor after the car was voluntarily repossessed.
answered on Jan 6, 2022
Statutes of limitations vary by state. For example in Mississippi, the statute of limitations on an auto loan deficiency is only one year. Under Colorado Revised Statute 13-80-103.5, the statute of limitations is 6 years. This runs from the date of the last payment. The fact that it is... View More
I cosigned for an ex partner, the relationship was abusive and I no longer have any contact with her at all. She has since missed 23 payments on that car and is still affecting my life. How do I go about getting my name off of the car and not hurting my credit anymore than it is already hurt?
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answered on May 11, 2021
If you are married, you can file for dissolution and property settlement. If not, when you co-signed, you agreed to pay if she did not. Absent her consent to refinance in her own name, you are legally obligated to pay if she does not.
they repoed it. is it legal for them to tresspasse on my property and tow my car from in my garage
answered on Feb 16, 2021
The first action you should take is call the police and explain in detail what happened, that is make a report. The police agency will decided if the action by the repo company was criminal
I filed a chapter 7 in 2/2019. It was discharged in 5/2019. During, I tried to reaffirm my auto loan ($48,000) so I could keep my car. Once the bankruptcy was discharged the guy at the bank stops negotiating. He then tells me he can't process the reaffirmation agreement anymore and to fill out... View More
answered on Oct 21, 2020
A Chapter 7 Discharge does not discharge a secured debt, up to the fair market value of the collateral. In other words, your bank has a lien on your car to the extent, and in the amount of, its fair market value.
But if the loan balance is greater than the car's value, so that there... View More
More specifically the disposition of the claimants involved and possible settlement information.
without my consent and the collection agencies are coming after me.is this a small claims court? is this a divorce issue?? is this a fraudalaunt? is this criminal? please help
answered on May 4, 2020
It may be a criminal matter if credit cards were really opened without your knowledge/consent. You can report this to the local police. If this was done by your spouse, you can also deal with it in the divorce. You should get a lawyer to help you with this.
It's our primary residence and my husband (age 64) is the sole owner/mortgage holder.
answered on Sep 17, 2019
Can a creditor foreclose on your home to satisfy a Lien? Yes. But, you will have an opportunity to prevent the foreclosure and it is seldom financially feasible to foreclose to collect on a debt that small.
Have you considered BK to eliminate the debt?
I have two theft cases, one is 13 yrs old and the other 18 yrs. I have paid when I can. The county collections officer wants me to sign a contract to pay or they will arrest me or take my driver's license. Can either of those happen though I am paying on each case, just not what they want me to pay?
answered on Jun 28, 2019
Payment of restitution can be a condition of probation, and you can be arrested for violating probation by failing to pay restitution. If you were to contest the revocation of probation, the prosecution would need to prove at a hearing to a judge that this was a willful non-payment and you had the... View More
I work at this bank and my position as been threatened if I don't pay this loan, which I cannot afford. I can hardly look the president in the eye anymore. Up until my husband passed, I've been held in high esteem by the president and the board. The bank was poorly underwritten and had... View More
answered on Oct 29, 2018
Sounds like you are in a very difficult situation. I don't think I can speak to the employment-related issues.
As for the debt, as a general matter, if you did not sign the note, did not sign a guarantee related to the note, and were not part of the business that borrowed the money,... View More
The attorney only asked for $5,000 in attorney's fees in court, and court ordered that I pay attorney's fees under C.R.S 13-17-102 when I have been prose and with harsh assumptions with no facts and disregard to my pleadings to include evidence. I am on disability from work and have no... View More
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answered on Apr 13, 2018
You need to consult with an attorney quickly. A court can order fees if frivolous or baseless motions are filed or things are done and it does not have to take your disability into account. That being said, there may be steps you can take to lessen the amount, challenge the ruling, etc. The... View More
My husband did not have insurance and spent the night in the hospital. Now they are trying to garnish my wages.
answered on Mar 22, 2018
The rules for determining which spouse is responsible for what debts incurred during the marriage vary between states and largely depend on the type of debt incurred. CO is a separate property state (not a community property state) which means that you are not legally responsible for your... View More
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