Get free answers to your Collections legal questions from lawyers in your area.
Co-habitation or significant other and I share debt. I own my home while my partner did not own property when he filed bankruptcy. I attempted a Chapter 13 but it was dismissed as the courts wanted more than I can pay. I did not want to loose my home. Bankruptcy attorney instructed us to return the... View More 
answered on Sep 23, 2024
A debt collector is not restricted to just attaching your home. He can garnish wages, a bank account, and even attach a car or furniture to be sold to satisfy the debt. All at the same time but he is limited to the amount of the debt. The judgment often allows him to collect interest and... View More
We arent sure what debts are out there. We got a notice from an Estate Information Serivce trying to reach someone about my father's estate. We havent contacted anyone. But i want to know if my mother and their home is safe.
answered on Mar 31, 2024
Depends on whose name the property is in. You need to run a credit report on dad and see what debts you can ascertain are owed. Until you determine exactly what debts are owed, the property is far from safe or secure.
it says I need to pay in full or minimum monthly payment of $250 by December 10th, or will put a lien on my social security number. my question is, How long does that process actually take for them to put a lien on my social security #? I don't want them to take my income taxes. I'm a... View More
answered on Dec 1, 2023
There's no real way to know how long this action would take, because we're talking about government. however, you should assume now that that your tax refund will be taken by the state. If nothing else, pay the first $250.00 because that might delay things a bit. Figure out an alternative... View More
I have proof of monthly payments. Is there anything I can do?
A person is claiming that my business owes them money after equipment was purchased. There was no written agreement and they deposited the check, but are now trying to change the verbal agreement. They have since sent a certified complaint to the local civil court. The certified complaint does... View More
answered on Jan 27, 2024
Raise the incorrect name as a defense in your answer to the complaint.
KY Attorneys Only: *cannot afford attorney, SAHM* MCM has been trying to sue me for cc debt for over a yr. I answered the summons, and everything else like I’m supposed to and never heard back for almost a year. My circuit court sent me a notice to dismiss due to MCM lack of prosecution in a... View More
answered on Nov 30, 2023
There are people in your town who know what to do. Lawyers. Hire one, because no amount of internet questions and answers is going to get you to the level of knowledge you will need to successfully represent yourself at trial.
I was never told this or the wreak no car fax . The finance company was looking through everything due to be getting behind on my payments for in December. I have had trouble since I got this car the car lot had me lie to the financial company when I bought it and threatened me when they called to... View More
answered on Jun 14, 2023
Consult a civil attorney who can flesh out the facts and see if you have a consumer protection. Lain.
So my bank forceplaced insurance on my loan, for nearly $7,000. Never once even telling me there was an issue with my insurance coverage. Since I had automated payments, I went 3 months paying my normal payment, and had no idea my payment had even been raised from $430 a month, to $880! Never once... View More
answered on Jun 7, 2023
You may want to consult a bankruptcy attorney who can review your entire financial situation and see if you qualify for snd debt relief if reduction programs or for bankruptcy.
I was in intensive care last year for 2 weeks no insurance. If the hospital would have let me or my wife know emergency Medicare was available if applied for the first 3 days they tell me about this on the 4th day. Now I am being sued. I haven't been able to work for 3 years. Wife supports us... View More
answered on Feb 13, 2023
Consult with an experienced collection defense attorney.
Your house and cars might be exempted; but not bank accounts.
I was force placed insurance on my truck that ive had insurance on since day one. They told me there was a lapse and my truck payment went from $400 a month to over $800 a month. I sent proof of insurance and they ignored me and dodged my calls for a week. I finally got ahold of them and they said... View More
answered on Feb 4, 2023
Yes it is a possible lawsuit. You should consult with an experienced attorney in consumer rights.
I was making payments through a truck I started financing a year ago, and those payments were being made through SMART Payment plan in which they charged me on a biweekly basis in means to help me pay off the vehicle quicker.
Problems occured quuckly and often through them. My payments were... View More
answered on Feb 3, 2023
Technically, there is probably some liability there but it very likely wouldn’t be worth the time, money or hassle to pursue it. If you can get reimbursed what you’ve lost ( or most of it), you’ll still be ahead of the game.
answered on Jan 16, 2023
Yes. There is a 15 year statute of limitations on a judgment collection if it has not been renewed.
The fence guy did 4 days of work over the last 2 months. Has not responded to calls or texts the last week. Has his house, tractor, truck and other items now listed for sale. His tractor is sitting on my property. What are my options to get my money back?
answered on Oct 7, 2022
You should see an attorney first thing Monday morning; a lawsuit may be your only avenue.
I paid in almost twice my debt and they didn’t settle any of my debt. Payments over $200 month for 3 years. I called the company numerous times and they kept “disconnecting” me so I’d have to call back again and again. I finally called their bank and asked them to send me, in the mail, all... View More
answered on Jun 29, 2022
Most likely yes but you will have to sue the debt relief company.
The purchase of the vehicle was written in to a home renovation contract. Contractor has not delivered on his end. Can I take my own vehicle back, or do I need to have it towed?
answered on May 22, 2022
You can take your own vehicle back yourself if you can do it without a breach of the peace.
Also would this be small claim court sueing for non payment of $4000.00
I was contacted by a company on Monday 10/18/2021 called "Assurance Legal Proceedings" via phone stating that they are filing a claim against me in my county for attempt to defraud a loan company. They also said that they have contracted a location service to find me and serve me with... View More
the account was supposedly sent to collections in 2015 but I do not recall ever seeing this on my credit report. its now 2021 can they win a judgement? Is there not any statue of limitations for this? and why was it never on my credit report?
The judgement was never paid.
Debt collector requires money orders. Payment has been waiting for them at usps for 15 days. USPS supervisor confirms that my money orders are there. The debt collector's office has been notified and I have contacted them to inquire why it hasn't been picked up with no concrete answer.... View More
answered on Oct 7, 2020
Not much you can do except wait for them to cash and release liens. Any other action on your part at this juncture would be too costly and premature.
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.
