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Ohio Collections Questions & Answers
1 Answer | Asked in Collections for Ohio on
Q: Hospital bill sent to collections. Now applied for HCAP. They denied it because already sent to colls. Is that legal?

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?

T. Augustus Claus
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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

1 Answer | Asked in Collections for Ohio on
Q: Can a debt collector put a lien on your car title if monthly payments are being made
Barry W. Kaufman
Barry W. Kaufman
answered on Feb 27, 2023

Debt collectors don't put liens on anything, as they do not own the debt or the account. Generally, when a car payment is not made, the lender repossesses the car and then retains a debt collector to collect on the loan.

1 Answer | Asked in Bankruptcy, Civil Litigation, Collections and Foreclosure for Ohio on
Q: My mother-in-law was served papers recently. In them she is marked as a judgment creditor. What does this mean?

The case seems to be a default on a property owned by someone possibly attach to her we are unsure on what the complaint in the case is but they have her marked as a judgment creditor in the concerned parties information.

Tim Akpinar
Tim Akpinar
answered on Dec 12, 2022

An Ohio attorney could advise best, but it looks like your question was overlooked under the general Uncategorized heading. You could try reposting under Collections, Foreclosure, Bankruptcy, and Civil Litigation. This looks like something for attorneys who practice in one of those areas. Good luck

1 Answer | Asked in Contracts and Collections for Ohio on
Q: Can a defense attorney physically touch a plaintiff?

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

Joel Gary Selik
Joel Gary Selik
answered on Oct 25, 2023

In addition to, and better than an ethics case, she has a lawsuit for battery.

3 Answers | Asked in Civil Litigation and Collections for Ohio on
Q: I received a voicemail saying I was being sued and to call a number. They claim it's a CC. Statute ran out years ago.

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

Joseph Jaap
Joseph Jaap
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.

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1 Answer | Asked in Insurance Defense and Collections for Ohio on
Q: car totaled out money payment sent to me, do I have to give back to insurance company.

car got stolen & totaled, my insurance co paid me a month ago, now says that it was in error that it should have went to finance company instead. i have spent the majority of the money. what can I do legally? can they prosecute me?

John Michael Frick
John Michael Frick
answered on Aug 23, 2023

They probably cannot legally prosecute you but you remain liable to your finance company for the balance owed on the car.

1 Answer | Asked in Copyright, Divorce, Collections and Communications Law for Ohio on
Q: If FBI blocked SSN who's responsible for the fraud thiefs 2016 Cambridge university of surveillance Brian Wayne Ellis

European council offered me settlement I declined it . Arbitration in California, well someone signed it. Not me. Millions gone plus insurance and I have a few things to prove how email address was used ssn no!

Barry W. Kaufman
Barry W. Kaufman
answered on Feb 7, 2023

This sounds like one big scam. There was never any money, you were never going to get anything from the "European Council", whatever that is.

1 Answer | Asked in Civil Litigation, Collections and Small Claims for Ohio on
Q: I'm being sued by a creditor I filed an answer with the court myself now I have a pretrial date coming very soon.

I can't afford an attorney and my legal aid consultation appointment is after the pretrial, that's the only date they had available. What defense can I use to stop them from garnishing my paycheck? I feel as though this company lied to the court in their filing they claim that they have a... View More

Barry W. Kaufman
Barry W. Kaufman
answered on Nov 23, 2022

Nobody can help you without reading the pleadings and examining the file. Maybe you can buy 30 minutes of an attorney's time before the pre-trial.

1 Answer | Asked in Collections, Municipal Law and Small Claims for Ohio on
Q: Flying a drone, gets stuck on top of commercial building, property manager has to pay get it down, do I have to repay?

I got the drone back, said he may have to charge me because his crew may charge him, I may not be properly licensed but was not near any controlled air space.

Tim Akpinar
Tim Akpinar
answered on Sep 10, 2022

An Ohio attorney could advise best, but your question remains open for two weeks. Until you're able to discuss with a local attorney, nationwide such a situation would usually be on the drone operator. If the crew is regularly up there to check equipment or perform maintenance, they could... View More

1 Answer | Asked in Contracts, Estate Planning, Real Estate Law and Collections for Ohio on
Q: My dad passed away a year ago, what happens if i stop paying for his storage unit.

I have been paying for the units for over a year but they are not in my name nor did i sign any rental agreement i just took over payments. I have full access to the account. Will it hurt my credit or go to collections for me if i just stop paying for them

Aaron Epling
Aaron Epling
answered on Jul 29, 2022

If you're not a party to the contract with the storage unit company, then I don't believe you can be held liable under any of its terms.

1 Answer | Asked in Car Accidents, Bankruptcy and Collections for Ohio on
Q: I live in ohio. I was unaware my insurance lapsed. I let my son use my car. He had an wreck. Other car was totaled

The insurance company is suing me and my 18 year old son for almost 30 thousand. I own a car and a double wide mobile home on a rented lot. We do not have money like that, none in savings. I also have 2 other children who live here. The insurance company said they will get their money by all means... View More

Tim Akpinar
Tim Akpinar
answered on Jul 9, 2022

An Ohio attorney could advise best, but your question remains open for two weeks. I'm sorry about the accident. I hope your son and everyone else are okay. It sounds like you are being pursued by the carrier's subrogation department. At this point, you could consider reaching out to... View More

1 Answer | Asked in Consumer Law, Contracts and Collections for Ohio on
Q: Stop payment on plumbing service

Our basement flooded and we received an estimate for work. We signed the estimate and we’re told it was “no problem” if we changed our mind. We told the company we were getting other estimates and to stop all work. They did an hour of work. We received other estimates that were 75% LESS than... View More

Bruce Martin Broyles
Bruce Martin Broyles
answered on Aug 26, 2021

Many credit card companies provide you with an option to dispute any charge on your card.

As soon as you dispute the matter, the credit card company with "chargeback" the amount from the Plumbing Company. The credit card company will then attempt to resolve the issue and...
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1 Answer | Asked in Business Law and Collections for Ohio on
Q: My friend got a debt collection letter to appear in court.

Can a debt collection agency sue if they don't have my friend SSN and the report doesn't appear on her credit report. i told her to ignore it I think its a scheme tactic but she is worried?

Joel Allen Holt
Joel Allen Holt
answered on Jul 7, 2021

The question is a bit vague, but generally speaking, the debt collector (or the party owed the debt) can file a lawsuit if they have proof that the debt is valid, outstanding, and binding on your friend. They don't need a SSN to file the suit and the debt does not have to appear on the credit... View More

1 Answer | Asked in Consumer Law and Collections for Ohio on
Q: A business is charging me for services I never asked for or scheduled with them. What can I do?

A well chlorination company cleaned the well of a house I'm in the process of buying and when I told them a week later that it didn't pass the county's water test they went back out to the house to re-chlorinate without my consent or scheduling anything with me and are charging me... View More

Mark Martin Turner
Mark Martin Turner
answered on Jun 30, 2021

A few things here. First, was the original service (which I assume you requested) warranted to pass the inspection, or should they have known that was what you needed, if you answer yes to either then the company breached its warranty to you in the initial service. The second service should not... View More

1 Answer | Asked in Bankruptcy, Consumer Law and Collections for Ohio on
Q: Is it to late to file exemption once the garnishment stops

Sorry I meant start? Also I gave all my income information to the creditors lawyer and they were suppose to call me back to agree on a payment plan and never got back with me once they received my income they just went forward with the garnishment.

Timothy Denison
Timothy Denison
answered on Jun 10, 2021

Yes.

1 Answer | Asked in Collections for Ohio on
Q: How can I fight an annual subscription to eHarmony that has been passed on to a collection agency?

I had to cancel my debit card associated to the account bc of unrelated fraud. I figured that would cancel my subscription. It did not they auto renewed for a year. Since it didn't get paid they forwarded it to collections.

Matthew Williams
Matthew Williams
answered on Jun 7, 2021

Not by admitting you owe the money, which is what it appears you've done. Canceling a debt card does nothing to impair contractual obligations just because the card was given as payment. I would suggest sending the debt collectors a letter asking for proof of the debt. The FDCPA requires them... View More

1 Answer | Asked in Collections for Ohio on
Q: I keep getting a call from what seems like a layers office. They are saying that I owe around $1,300.00 from 2016

They say it is from a payday loan but they won't tell me the name of the company. I did owe a couple of companies but I am sure I paid them off. When I ask they name of the company they just say cash store. I have no way to know if this is legit or a scam. They keep threatening with taking me... View More

Scott Scherr
Scott Scherr
answered on Mar 10, 2021

There are so many scams out there concerning these "payday" loans. Tell them to only contact you in writing and demand proof of the debt. I bet you never hear from them.

1 Answer | Asked in Contracts and Collections for Ohio on
Q: Can I be arrested for failure to repay a loan?

I got a call that said if I don’t call back that they would be obligated to take the case to court and advised find my location.

Tim Akpinar
Tim Akpinar
answered on Jan 19, 2021

This is something that an Ohio attorney could advise best on, since it could involve elements of state law. But your question remains open for a while. Until you can reach out to an Ohio attorney for more meaningful guidance based on the specific facts of your situation, as a GENERAL premise... View More

1 Answer | Asked in Civil Litigation and Collections for Ohio on
Q: I received 2 letters from debt collections for municipal speed cameras 4 months afterward without a formal citation.

I recently received 2 letters from a collection agency stating that I have outstanding debts for speed camera violations in 2 different municipalities in Trumbull County, Ohio. This came as a shock because I never received a formal citation, photograph, or any evidence of any kind that indicated I... View More

Joseph Jaap
Joseph Jaap
answered on Dec 29, 2020

Contact the municipalities to determine if they are valid, and if they are, then use the Find a Lawyer tab to retain a local attorney to advise you.

1 Answer | Asked in Collections for Ohio on
Q: My son had a medical bill go to collections. Then his insurance company paid claim in full after two appeals.

The billing company was aware of the appeals and my son was keeping them updated on the status. They still sent it to collections. Insurance has finally paid the claim in full so where does my son stand in this situation? Does he talk to the billing company? The collection agency? Both? Is he... View More

Tim Akpinar
Tim Akpinar
answered on Nov 19, 2020

Dear Mrs. Hibner,

An Ohio attorney could advise best, but your post remains open for two weeks. In most jurisdictions, the recommendation would more or less be standard... You could tell your son to ask the insurance company to provide him with proof of their payment of the claim - that...
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