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Calvary Portfolio filed a judgment/motion to garnish my wages today, I found the debt collector and original creditor on a old credit report of mine (it is not showing on recent reports) and last date of any activity or update reported on my credit report was October 2016, I believe it fell off my... View More 
answered on Sep 1, 2024
No. Calvary obtained a judgment. This is a garnishment, not a new lawsuit. The statute
of limitation on a judgment is generally anywhere from 10- 20 years, state dependent. While you may have legal defenses to the garnishment, statute of limitation issues probably is not one of them. See a lawyer.
Have the highway county does not allow sales outside Gilmer -city of ellijay - very weird but we are wanting to move in the area with our property but they put up signs and looks horrible
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answered on Dec 25, 2023
In your situation, where a city has annexed property that includes a distillery on a county road, there are a few steps you can take to address your concerns. First, it's important to understand the specifics of the annexation process. Typically, a city can annex adjacent areas through legal... View More
My car is in peices not running now he's being a jerk and i dont want to work with him no more but now he has my car lock inside a bulding and want give it to me unless i give h 200 buckscan he do this to me
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answered on Sep 25, 2024
It sounds like you're in a difficult situation. If you had an agreement with the other person to trade services, but now they are demanding money and holding your car, it could be a breach of the original deal. It may not be legal for them to withhold your car, especially if you didn’t agree... View More
A renovation contractor is in default and I want to collect. Can I go after his wife also in this instance since she advertises for him? I don't want to throw good money at bad money so I need to know if they have anything that can be liened on to make him/them pay. And Im unsure about that... View More
answered on Jan 26, 2024
There are many actions that could be taken. If you have bank information do a levy. Do a judgment debtor exam. Lien his property. Shins to take depend on what we know about the debtor.
About 3 weeks ago I contacted our magistrate court in Georgia in reference to another matter to learn that they had 2 checks 1 from 2012 and 1 from 2013 both are less than $500 they are testing now to collect on them is this something that they can issue a warrant for if unpaid
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answered on Nov 8, 2023
In Georgia, there are statutes of limitations that apply to various debts, including those stemming from bad checks. Generally, the statute of limitations for misdemeanors, which includes bad checks under $500, is two years. However, if a warrant was issued within that period, it could remain valid... View More
We have a verbal arrangement with a local lawncare company. When they were servicing our yard, they ran over our irrigation system twice. on the second time the crew stopped and i told them we need to pause service until the boss comes out to discuss, i spoke with him and he mentioned he would come... View More
answered on Nov 8, 2023
Possibly. You would have to prove you canceled the service, and convince the court that you believed 18 months of lawn service was merely a gesture of goodwill. See an attorney for an assessment of your defense. Try working it out.
I am suing in Georgia small claims for 14k. I had an agreement with the defendant that I would put them on my credit card to build their credit and they would pay me monthly on charges incurred. They ran up the card 10k. I've filed the suit, defendant has been served. While I wait for the... View More
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answered on Nov 4, 2023
It depends on when the defendant filed his last bankruptcy. If he received a chapter 7 discharge, he must wait at least 8 years before he can file again. If it was a chapter 13 discharge, he only needs to wait two years to file another chapter 13. After a chapter 13 discharge, he has to wait 6... View More
Said they would contact family members and place of work. Said it was a civil suit filed against me. Wondering if it's real
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answered on Sep 4, 2023
Georgia has strict regulations on title loans. Interest rates for title loans in Georgia are capped at 25% per month (which is roughly equivalent to 300% annually). Therefore, if your title loan has an interest rate of 59%, it would likely be considered illegal under Georgia law.
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answered on Aug 28, 2023
If you have a promissory note that was due on 7/21/2020 and has not been paid, you have several options to consider. First, you could try reaching out to the debtor to remind them of the outstanding payment and discuss the situation. It's possible that there might have been a misunderstanding... View More
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answered on Aug 17, 2023
Receiving a 1099-C, indicating a canceled debt, doesn't automatically prevent creditors from using arbitration to collect the remaining debt. The ability to pursue arbitration depends on factors like contractual agreements, state laws, and the statute of limitations for debt collection.
I have a rental house under contract to sell, with closing schedule in a couple of weeks. The house has several judgement liens (Fi-Fa) that must be cleared up. Two different attorneys hold the liens. The closing attorney was authorized to do so and has asked both attorneys to provide a... View More
answered on Aug 1, 2023
As an attorney who handles closing, I understand your frustration. Sometimes the attorney who filed the lien no longer represents the creditor. Sometimes the law firm no longer exists. Sometimes the creditor no longer exists or has died. There are a lot of reasons why it would take a few weeks to... View More
The summons served to me provided a date, I appeared in court on that date.
2 months later information on a judgement against me is sent, the reason listed is failed to appear. And the date they now have listed is changed, and different than the deadline date given on my summons.
answered on Jul 28, 2023
Examine the court file and file a motion to set aside the judgment right away.
Aldous and Associates have a debt collection on me for $118 regarding a gym membership from about 3 years ago. It recently hit on my credit. Some context: This gym and I had gone back and forth for months, via call and text, about cancelling my membership (I was away at college, not needing my... View More
answered on Jul 10, 2023
Your concern is justified (I do not mean about this particular collector, but collectors in general). You need to get any agreements in writing before you give them information or pay anything. You need to determine if it is worth your time to contest this. They often just do not care, and will... View More
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answered on Jul 6, 2023
If you were awarded a sum of money in your final divorce decree based on a promissory note executed by your ex-spouse, you may have the right to file a lien against their home as a means to secure payment. However, the specific laws regarding liens and the enforceability of promissory notes can... View More
I am being sued for a credit card debt by LVNV Funding. I no longer live in the US and only have a PO box in my former state of GA. Is this legal or how the process works? I am trying to figure out how to proceed. My first option was to get them to validate the debt in my answer to the filing, but... View More
answered on Jun 27, 2023
Yes it is legal; you can be sued where the debt arose or where indicated in the contract.
I just want to know what agencies or anything can collect debt out of my Georgia lottery winnings when I go to collect. Like will medical bills cell phone carriers, credit card companies?
answered on May 20, 2023
You've posted in the "Bankruptcy" section, so we assume you have filed for bankruptcy relief, or will do so imminently.
If so, the automatic stay prevents any creditor from taking any action against you or your property, subject to the bankruptcy court's orders.... View More
Being sued for a debt from a debt collection agency. What is the probability that the debt collection agency has the original signed contract from whom they bought the debt? Trying to figure out the probability that they can prove that I own the debt.
answered on May 18, 2023
Every company has different procedures that make it so the chances they have it are different. Many can access them easily, others cannot.
answered on May 4, 2023
It depends on if you are a party to the case or not. If you are a party that may be sufficient notice. If you are non-party, you may be required to be served a subpoena. Service is usually required in a particular fashion. It is recommended you consult with an attorney, about this.
A widow, whose sole income is social security, hired a public adjuster who nolonger wants to work with the attorney they hired. The adjuster is now putting pressure on her to pay him $12,000 or more. Can she file chapter 7 bankruptcy? If so, will it stop him from taking any further action against... View More
answered on Mar 21, 2023
The Bankruptcy Code defines who is eligible to file for Chapter 7, as well as all other forms of Chapter relief. An individual who has not filed for bankruptcy relief and gotten a discharge recently (6 years), and whose income is less than the "median income" for your region is eligible... View More
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