Get free answers to your Collections legal questions from lawyers in your area.
In Ohio, does the statute of limitations for a judgment lien begin on the judgment date (4/4/2019) or on the filing date (10/22/2020), considering it was filed in two different courts in the same county? The judgment is related to credit card debt incurred by my ex-wife without my knowledge,... View More 
answered on Apr 1, 2025
The original judgment becomes dormant after five (5) years, or five (5) years from the certificate of judgment or other attempt to collect. R.C. 2329.07. The judgment itself does not create a lien until a certificate of judgment is filed. If a judgment lien exists, then the limitations period is... View More
answered on Oct 23, 2024
A creditor may issue a garnishment to your depositary institution, which puts a (bank) hold on your account, but it is on you to file a prompt Objection (in PA, your Objection is filed with the issuing Sheriff, and must be filed in ten days from date of garnishment summons). And your bank... View More
I have a default judgment in Lucas County OH and but was not properly served (wrong address) and my taxes were included in my bankruptcy.
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Mar 6, 2024
In Lucas County, Ohio, if you're seeking to set aside a default judgment due to not being properly served or because the debt was included in your bankruptcy, you will need to file a motion with the court. This legal document is commonly referred to as a "Motion to Set Aside Default... View More
My dad passed away last summer. My sister (beneficiary) has been given a check from my father's life insurance policy and we are told the funds will be available in ~2 weeks. However, my dad has a high amount of medical debt left over. Is the life insurance money safe to be used or will... View More
answered on Feb 19, 2024
Proceeds from a life insurance policy, where the beneficiary is a named living individual(s), pass outside of the probate process, and the creditors have no claim to it because those proceeds are not part of your dad's estate.
I worked as a general manager for a small restaurant from September 29 to April 10 but did not receive wages for nearly 700 hours, as promised in addition to my tips. I have pay stubs that show my wage rate was $17 per hour. After expressing concerns about not being paid, I was fired through a text... View More
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on May 15, 2025
You can take steps to recover the wages owed to you. Since you have pay stubs showing your hourly wage and can demonstrate that you worked nearly 700 hours without receiving full payment, you have evidence to support your claim. Your first step should be to formally request payment from your former... View More
I defaulted on my private student loan with Prodigy, and they are pursuing arbitration through CIArb. I've received a notice that the arbitrator has been appointed. I haven't had previous discussions or negotiations with Prodigy about my loan repayment terms. I am interested in... View More
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on May 15, 2025
To begin, it's important to respond to the notice you received about arbitration. Even if arbitration has been initiated, you can still reach out to Prodigy to express your interest in negotiating a settlement or a more manageable payment plan. Contact them directly or through their legal... View More
I provided a personal loan to a private party to cover half the cost of roof repairs on her mother's home, totaling $9,000. Despite a verbal agreement, I've paid the full amount. The other party made partial repayments but has not communicated or paid in 11 months, leaving an outstanding... View More
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Apr 2, 2025
Your situation involves an oral contract supported by documentary evidence, which generally creates an enforceable debt obligation despite the lack of a formal written agreement. The text messages confirming the repayment arrangement and your printed payment schedule constitute compelling evidence... View More
Is it legal to emulate a PC version of a game if:
I own: PS2 version
I DO NOT OWN: PC version, ps2 console.
(The game is the same on both ps2 and PC port. no differences, additional content, etc)
Game in question: Sonic heroes (No longer able to legally purchase from... View More
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Jan 10, 2025
Generally, emulating a game you own on a different platform than the one you purchased it for falls into a legal gray area. Even if you own the PS2 version of Sonic Heroes, this doesn't automatically grant you the right to play the PC version through emulation.
The key issue here is... View More
answered on Dec 19, 2024
An Ohio attorney could advise best, but your question remains open for two weeks - and you are likely looking at a limited time window in which to appear/respond. Until you're able to consult with someone in your state who practices in the field of collections defense, the short answer is that... View More
I was in an accident died the person at fault, same judge sent me to prison(which didn't transport me) to the 3 hearings scheduled and later made the judgement on me to pay their attorney fees? What should I do? 16k $ is too much to pay
answered on Oct 21, 2024
Make arrangements to pay the judgment (1) in full; (2) in installments or (3) file bankruptcy on all of your debt.
I have a points program with Bluegreen. I have been paying down the loan and kept yearly fees current. I still owe a good portion of the loan. I have rarely been able to use my points before they expire due to family and work time restrictions. I have also recently developed solar urticaria, and... View More
answered on Oct 4, 2024
There are attorneys who concentrate their law practices in taking in timeshares. Consult with experienced attorneys. Use the Justia search tool to find an attorney. https://www.justia.com/lawyers
Our county's water and sewer company is assessing our taxes in 3 days. We had no idea we had to pay sewer to another company. We called when we first moved in and was told they could not change the name because we were another utility area so we have been paying this other company for electric... View More
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Sep 11, 2024
It sounds like you're dealing with a confusing and frustrating situation regarding the sewer charges being assessed to your taxes. First, check any documents or notices you might have received when you moved in. Sometimes, utility responsibilities can be listed in closing documents, lease... View More
We were kicked out bc he would act crazy and the cops were called too much. Well he left Ohio to go to Arizona I moved to a different apartment in Ohio . We both signed the lease but I am the only one stuck paying for it bc the creditors couldn’t find him in Arizona. I don’t think that’s fair... View More
I have disputed tirelessly for four years. Illegal in Ohio to "double dip" someone moved into my apartment one month ( less than one month ) after I moved out and they will not remove this collection. This collection began during COVID (2020) so no attorney would even discuss with me... View More
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on May 6, 2024
1) Contest the debt on the three major credit bureaus.
2) If it comes back corrected, then you are done.
3) If it comes back disputed, bring an action under the fair credit reporting act.
The above only applies IF THERE IS NO JUDGMENT. If their is a judgment, then you will... View More
I have a property i recieved through probate that my parents once owned. I had to settle their debts first (tax lein and medicaid lein). Probate closed over a year ago but now I an finding out I have "encumbrances" attached to the title of my property. One in particular is from a nursing... View More
answered on Jan 12, 2024
I've never heard of anybody getting out of paying the Medicaid claim by waiting for the statute of limitations to run.
They have apparently filed to take my chance of owning land in my county, and have recently tried to take my wages and have them garnished. I'm a disabled individual since 2011. I haven't received any mail from them since they kicked me from their school. I only know about these things... View More
answered on Jan 3, 2024
An Ohio attorney could advise best, but your question remains open for two weeks. Find out what the suits are for, either on your own or through an attorney. Consider consulting with an attorney to learn if you have viable defenses that might be cost effective to pursue in terms of the initial... View More
What is happening and how do I handle it?
answered on Dec 17, 2023
It could be for many reasons, including its in a different court, their is a spelling error, it has not gotten to the court records yet, or its a scam.
My wife is trying to collect an unpaid bill by an LLC. By law they have to have an attorney represent them. She was killing them in court today and the attorney rushed her table, picked up her evidence papers and physically shoved her a bit out of frustration. The magistrate did nothing but to tell... View More
answered on Oct 25, 2023
In addition to, and better than an ethics case, she has a lawsuit for battery.
The services were from Feb and March of this year. Insurance was billed and paid their portion but my bill ended up being over $6000. I financially qualify but they are denying me. What recourse do I have?
Lawyers, want to be a Justia Connect Pro too? Learn more ›
answered on Oct 3, 2023
Ohio's Hospital Care Assurance Program (HCAP) provides assistance to eligible individuals for hospital bills. If a bill is sent to collections before an HCAP application is made or processed, the hospital might still consider the application. However, each hospital may have its policies... View More
I called them and they said it was $1500, but would be $5000 when it goes to court. Checked the courts and nothing was filed. Can they lie to me and threaten to sue me over a credit card that the statute of limitations ran out on years ago? Told them I don't even remember having the card, but... View More
answered on Sep 28, 2023
That's probably a scam. Use the Find a Lawyer tab to retain a local attorney and tell them to talk to the attorney.
Justia Ask A Lawyer is a forum for consumers to get free 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 Justia and you, or between any attorney who receives your information or responds to your questions and you, 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.
