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Louisiana Collections Questions & Answers
1 Answer | Asked in Collections for Louisiana on
Q: Can you appeal a wage garnishment? Its for a private student loan? There taking 25 percent. And I can't afford it.
Samuel John Ford
Samuel John Ford
answered on Feb 29, 2016

Wage garnishments are difficult to challenge once they have begun, however, you may have options if there was anything improper about the collection process or institution of the garnishment. State and federal laws protect consumers from unfair collection practices and it may be worth speaking with... Read more »

1 Answer | Asked in Collections for Louisiana on
Q: I signed a promissory note in 1999 in louisiana. It was one of those in case you win the lottery things. Now the estat

Is trying to collect. Never paid a dime. Filed bankruptcy but had forgot it existed so wasn't included. They say I'm responsible from 2010 on could this be a valid note still under louisiana law

Samuel John Ford
Samuel John Ford
answered on Feb 29, 2016

Generally, the limitations period for suing someone on a promissory note is five years. This means the creditor may have lost the legal right to enforce the alleged debt.The details of your situation, however, may change whether or not the debt is still legally enforceable.

I recommend...
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1 Answer | Asked in Collections for Louisiana on
Q: Can I sue a creditor in small claims court for loss of wages after they harassed me so much at work that I was suspended

I defaulted on a loan but have paid the creditor back. In the initial onslaught of the default the creditor called my job every hour on the hour for a week. They threatened to show up there and discussed my defaulted loan with whomever answered the calls. At the time I was out of state at a... Read more »

Samuel John Ford
Samuel John Ford
answered on Feb 29, 2016

You likely have a case against the creditor based on the actions you described and may be able to recover your lost wages.Small claims court, however, may not be the best venue for your claims. There are both state and federal laws that may be in play here and a consumer attorney will provide you... Read more »

1 Answer | Asked in Collections and Consumer Law for Louisiana on
Q: Can I dispute a bill I made a payment on in 2007? The bill is from Maryland College and I live in Louisiana.

I registered for online classes but failed to drop them. Can I still ask them to provide legal documentation which holds me accountable for this debt? I don't recall signing any paperwork.

Samuel John Ford
Samuel John Ford
answered on Feb 26, 2016

You likely can still dispute the bill and may have defenses to collection of the alleged debt. If you are being contacted by debt collectors, there are federal and state laws that provide dispute rights and protection from unfair collection practices.

I recommend speaking to a Louisiana...
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1 Answer | Asked in Collections for Louisiana on
Q: I have been served papers that I missed a court date from a bill collector. Can I go to jail for this?

I'm not working at the present time. My bills have fallen behind.

David B. Levin
David B. Levin
answered on Jul 27, 2015

You can't go to jail for not having the money to pay a bill collector, but you can be arrested for violating a court order. Even if you don't have the money to pay the debt, failing to appear in court is not a good solution.

If you don't understand the paperwork you...
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