If both parties signed the lease, typically each lessee is jointly and severally liable to the lessor. However if you end up paying the indebtedness to the lessor, you could seek contribution from the co-lessee in a legal action. Of course the practicalities of this would involve locating... View More

If both of you are on the lease, each of you is responsible 100% for everything under the lease. Generally usually normally, the creditor/landlord is not required to pursue both signatories. They can pursue either at their discretion. You have a contract issue between you and the landlord, so... View More

Social Security Income is exempt from garnishment under federal law. Typically a bank will state in its Answer the funds in the account are social security funds and therefore exempt. Since the bank apparently did not assert this, you will need to file a Defendant's Claim (Traverse) in the... View More

The statute of limitations on a credit card debt in GA is six years. It sounds as if this may be time-barred. If you make a payment on a time-barred debt, the creditor may argue you have "reaffirmed" the debt. Also if a collection agency is attempting to collect on a time-barred debt,... View More

The address/phone no. of the attorney should be on the court pleadings. If you are unable to mail a payment to them, (which should be sent certified mail) then your only option may be to pay the funds to the Clerk of Court and reference the case no. that you settled, assuming there was some type... View More

A default Judgment operates the same as any other order entered by the court. There are a number of methods available depending on the order itself. To secure the judgment it would be prudent to secure a Fi.Fa. in the county ordered. From there you can negotiate directly with the Defendant, file... View More

The landlord may have refused payment due to sending the claim to the collection agency prior to you attempt to make the payment. Reach out to an attorney to assist you in your debtor defense matter. If your statements are corroborated by facts, you need to formally dispute the debt with the... View More

In order for there to be a garnishment there must be an order that was entered against you requiring you to pay those fees. Once there is an order for you to pay, there are post-judgment collections that the party who is owed money can exercise and garnishment of wages and bank accounts fall under... View More

Only your wife can do this. You and she must sign the title over to just her, or however its done in Georgia post-divorce. That takes care of ownership. There's nothing anyone can do to take you off the loan, except your wife or you by paying it off. The divorce decree did not affect your... View More

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.

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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

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answered on Oct 23, 2025

No—unless you gave the collector direct, prior consent, texting your family member with a payment link violates the federal Fair Debt Collection Practices Act, which applies in Georgia. An exception exists if the person is your spouse (treated as the “consumer”), but otherwise the statute... View More

Contact the insurance company for its claims procedures. This is not a legal issue.

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answered on Aug 8, 2025

If you’ve received a notice stating the creditor intends to retain the vehicle in full satisfaction of the obligation, that usually means they plan to keep the car and cancel the remaining balance on the loan. This can be a positive outcome if you're ready to walk away from the vehicle and... View More

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answered on Aug 2, 2025

What you're going through sounds overwhelming, and you're not alone—many people face this kind of pressure when dealing with overdue payments. Even if you’re behind, credit card companies are still required to follow rules about how and when they can contact you. Under federal law,... View More

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answered on Jul 26, 2025

It’s good that you caught the mistake early, because a judgment that doesn’t correctly name the defendant—especially when it involves a business entity—can make it harder to collect. Leaving off “LLC” may seem minor, but it can create confusion when trying to enforce the judgment,... View More

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answered on Jul 26, 2025

In Georgia, contractors and subcontractors typically have 90 days from the “last day labor or materials were furnished” to file a lien against a property. That means the 90-day clock usually starts ticking from the last date any work was performed or materials delivered under the contract with... View More

Yes, I would file a police report and also think about contacting a consumer protection attorney. You might also want to pull your Experian, Equifax and Trans Union credit reports to ensure that no other accounts are reporting on there that aren't yours.

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answered on Jul 4, 2025

You’ve agreed to pay by today, so missing that deadline puts you in breach of your new payment arrangement.

The hotel can serve you a one-day notice to vacate immediately following today’s deadline, demanding that you surrender possession within 24 hours. If you still remain in... View More

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answered on Jun 12, 2025

That’s an overwhelming situation, especially when you’re trying to sell your home and wrap up what your brother left behind. In Georgia, it’s legal for a judgment lien to be renewed every seven years, and unfortunately, interest can accumulate rapidly over time. That’s likely how the... View More