Get free answers to your Collections legal questions from lawyers in your area.
I was awarded money by a judge from a civil suit, but I don't know how to get the other party to pay me. I haven't contacted them yet. They own a roofing company in Dallas. The judgment did not specify a deadline or instructions on how payment should be enforced. I'm considering... View More 
answered on Apr 22, 2025
It is not the Court's job to tell you how to collect the judgment, but you are on the right track. Since the judgment is entered in Louisiana but your defendant is in Texas, you will need to make the Louisiana judgment into a Texas judgment. The way that you do that is to hire an attorney in... View More
I loaned someone $5,000, which is less than what they actually owe me. I have text messages from the borrower confirming they will repay me. They've indicated they will pay me back this week. However, I had to send $150 for the transfer, and I still haven’t received the repayment. Could you... View More
answered on Mar 18, 2025
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
I received a petition today stating that I owe $6,904.62 plus 8.25% interest, 25% attorney fees, and costs. There's no original judgment date mentioned. Can I appear in civil court anytime within ten calendar days after service without risking a default, or should I go as soon as possible? I... View More
answered on Mar 7, 2025
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
I signed a student contract agreement that I didn’t realize stated that I could never cancel the program or withdraw. Additionally, they’re going to make me pay the loan even though the program hasn’t started yet and I will not be completing anything in the program.
answered on Aug 13, 2024
It is very hard - if not impossible - to get out of student loans/student contract agreements.
For example, student loans cannot be discharged even through Bankruptcy proceedings. Further, Louisiana law is clear that in contract disputes, the contract signed by the parties is the law... View More
answered on Mar 13, 2024
You need to immediately discuss this with a lawyer in your area. Depending on when the judgment was signed you may have some appellate rights. If the time period has passed for you to exercise those appeallate rights then you have an option or two but it depends on what happened which would best... View More
I sell goods in a business to business setting. Most of my customers are on Net 30 day payment term accounts. I have a customer that is months past due on a large balance. My credit application states in short that "we have the right to charge a 1.5% finance charge on past due invoices. They... View More
answered on Dec 9, 2023
Your contractual interest is limited by statute. This is "business owner 101". I recommend that you retain an attorney on a professional basis to take a look at your invoices and contracts to ensure that you are complying with Louisiana law, and to be your "go-to" guy when you... View More
My mother is listed as a manager on the Secretary of State records for a business that is no longer functioning. A collection agency for a merchant cash advance company is calling her, threatening to freeze her bank account if she doesn't pay money owed due to my business defaulting on... View More
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answered on May 15, 2025
Your mother should first inform the collection agency that she did not sign any loan documents and is not personally responsible for the business debt. Although she is listed as a manager on the Secretary of State records, this typically does not make her personally liable for business debts unless... View More
I received a citation for an unpaid bill amounting to $3,738.85, which was filed with the 18th JDC. I need to respond within 21 days. What form do I need to file to answer the petition?
answered on May 9, 2025
You need to file an Answer within the legal time limits or you are subject to a judgment being rendered against you for your failure to respond----personally, I strongly recommend that you consult, if not also hire, an attorney to assist/represent you. Consulting with an attorney should provide... View More
I am 66 and facing a loan default judgment in Louisiana, with the court date in one week. I'm concerned about exemptions regarding my personal property, specifically my vehicle, which is valued at approximately $12,000. The default amount is around $16,500, and I have no real property besides... View More
answered on Apr 28, 2025
There are no exemptions that can be used against the seller who loaned the money and is seeking judgment. Exemptions are potentially available against all other parties seeking to re over, though.
I recently received a letter stating that I owe over $3,000 in unpaid parole fees, even though I was released from parole in 2021 and complied with all my conditions. Now I'm being threatened with asset seizure. Can you tell me in what year Louisiana passed RS 15.571.21 allowing the Department... View More
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answered on Apr 13, 2025
It’s important that schools provide students with reasonable access to restrooms, especially during the school day. If one or more bathrooms are closed due to malfunctions, the school should be actively working to fix the issue or offer alternatives to avoid overcrowding and delays. Students’... View More
I am experiencing repeated issues with my employer issuing bounced paychecks. There is a history of this problem, and my bank now verifies funds before attempting deposits. Recently, my bank refused to deposit my paycheck even after my boss asked me to wait for a reissue. I have documented... View More
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answered on Apr 13, 2025
Based on both Louisiana state law and federal labor regulations, your employer's practice of issuing paychecks without sufficient funds is clearly illegal. Under Louisiana Revised Statute 23:633, employers must pay employees the full amount of wages due on regular paydays, and knowingly... View More
I owe a person $33,000, and I have been paying him $600 monthly since December 2024 after settling a portion through bankruptcy. Today, I received legal documents regarding a sheriff sale on my home, which I don't owe him anything on. What steps can I take to dispute or prevent the sheriff sale?
answered on Mar 27, 2025
Go get a complete copy of the file and take it to your lawyer immediately. More information from the file is needed to properly answer this question.
Three Open container tickets from Woodworth Louisiana went to collections and the collection agency is saying that I cannot make any payments less than a $100 they will only accept payments of a $100 or more is that legal can they do that
answered on Sep 12, 2024
Technically, they have been hired to the full amount you owe so they can refuse anything less than that. It isn't practical, but it's likely legal. I would send in the payment anyway. They will likely process it as that is cheaper than taking the time to mail it back to you. Good luck.
The Credit Card debt is for roughly 9K. It appears the last payment (per credit report) was April 2022 thus we are aware SOL expiration would not apply. We are looking to challenge the debt buyer’s burden of proof as it relates to legitimacy in rightful ownership of this debt in addition to... View More
answered on Jan 17, 2024
You are asking an online attorney to give you legal advice for someone else's benefit. That's the unauthorized practice of law, were someone on here to do that. I recommend that your friend retain an attorney.
I have a customer with an open charge account on net 30 day payment terms. His operations manager signed the credit application which in short says we reserve the right to charge interest on past due balances (1.5%/month). After seeing the writing on the wall and realizing I would have to get an... View More
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answered on Dec 5, 2023
This is a state law agency question, not really a bankruptcy question. However, it appears, from the facts you laid out that the operations manager likely was the owner's agent and therefore authorized to sign contracts on behalf of the business. For a better answer, however, you should... View More
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answered on Aug 17, 2023
In Louisiana, if your wife purchased a vehicle solely in her name and it's repossessed, she would generally be responsible for the associated debt. Louisiana's community property laws might have implications if community funds were used to make payments. If you cosigned or have joint... View More
been served? The loan company manager was coming to my house sitting on his horn for 5 min. and calling my company allday Is that legal? I did send in a letter saying I deny the debt. they set a court rule to show cause hearing 7/31. I went and they said the judgement was already filed March of... View More
answered on Aug 2, 2023
You indicate that there is a judgment against you signed in March, 2023 which means the customary legal delays to appeal have passed. As such, in order to get the judgment overturned, you really need to meet with an attorney and specifically discuss your case/situation to determine if you have... View More
I also have a letter from the company stating that I had been cleared from any judgement or Lein on the vehicle
answered on Jul 26, 2023
Based on these facts you may have a valid lawsuit against them. Consult with collection defense attorneys.
You may want to review the court file to see how they claim you were served and file a motion to set aside the judgment.
answered on Jul 24, 2023
You don't ask a question here, just offer up a few facts.
Apparently, however, you are having debt issues. Imho, you have chosen the most expensive way to deal with those debts.
I strongly advise you to consult with a professional about your entire debt/asset/income... View More
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answered on Sep 21, 2022
The title company's job is to clear your title prior to the conveyance. If there is no judgment lien prior to closing, it may not get paid and released. Then the creditor would probably try to collect from your bank.
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