Get free answers to your Collections legal questions from lawyers in your area.
answered on Jul 30, 2018
Unless the debts sought to be collected are child support, federal taxes or student loan repayments you owe, the answer is no. The issue is for you to be proactive, since the court may give the creditor a bank account attachment or order you to make payments because they are unaware your income or... View More 
The condo association charge late fees from the last year plus 4 months condo I owe and I'm in hardship and selling the house What should I do ? Please any advice is great appreciate!
answered on Apr 23, 2018
Most condominiums in Massachusetts have provisions for charging late fees, attorney's fees and expenses of collection. Six months of past due common area fees are a lien on the unit prior to any first mortgage. Because of this, and because Massachusetts cases have held that common area fees... View More
answered on Apr 6, 2018
Usually a creditor can only collect what it is owed, so if the tax offset paid your debt in full, they should not be able to further offset any more refunds. The Department of Education has a good website that is easy to navigate and has a lot of information on questions like these:... View More
She was told she has to pay the balance. She has an annuity which is currently paying for the assisted living facility in Beverly. We believe when she runs out of money the assisted living will then go through medicaid for her monthly bills. Should we pay the rehab bill ($11K), try to negotiate... View More
answered on Apr 5, 2018
Are you power of attorney for mother? Is mother competent at this point? If you are power of attorney for her you can try to negotiate with the rehab or you can set up a payment plan. Heep your records for the MassHealth Medicaid application.
They have not made any payments, what can I do, they live in Boston. The note says that the house that they purchased from me is security for the loan. I am 72 and need the money to live on.
answered on Feb 16, 2018
If the note you hold is also secured by a properly recorded mortgage, then you can foreclose. If there is no mortgage then the only recourse would be to sue them for default of the loan. You should hire an attorney either way.
In summons for breach of contract, Plaintiff included a 95% illegible copy of the original agreement. Over 10 months I requested a better copy or to see the original. 3 times Plaintiff sent new reproduction but still illegible & said they were unsure if the original exists. I have 2 contracts... View More
answered on Sep 5, 2017
You can argue that they failed to provide information requested in a timely manner and ask for its exclusion. There is no guarantee you will succeed. Likewise, seek permission to revise your answers to the Interrogatories based on the new legible copy. I believe you need to get assistance from... View More
Credit card company took me to small claims court for a balance owed. We agreed to terms and that payment is made through the law firm representing them. Lawyer at court instructed me where to send payment. When I called that office they claimed they don't accept payments and to use their... View More
answered on May 16, 2017
The entity that purchased the right to the money would be owed the money from you, but they'd have to provide you written proof of that right. Otherwise you won't know whether they're trying to scam you or not. More details are necessary to provide a professional analysis of your... View More
My 14 year old son secretly created an ebay and a paypal account. On the eBay account he sold a few items, the money was transferred to the PayPal account where he spent it on in video game purchases. He never sent the items and eBay issued the buyers a refund along with service charges which put... View More
answered on Mar 30, 2017
Yes, you may indeed be sued for that. More details are necessary to provide a professional analysis of your issue. The best first step is an Initial Consultation with an Attorney. You can read more about me, my credentials, awards, honors, testimonials, and media appearances/ publications on my law... View More
Roommate guaranteed me if I left by a certain date she would give me my deposit back then stopped payment on her check
answered on Mar 24, 2017
See: http://www.mass.gov/courts/case-legal-res/law-lib/laws-by-subj/about/securitydeposits.html
If the security deposit was owed to you, you may be able to sue for failure to refund it in a timely manner. More details are necessary to provide a professional analysis of your issue. The best... View More
I have received notice of a magistrate hearing from a collection agency for credit card debt back in 2011. My last payment was in August of 2011. Am I still liable? I'm not sure if I should go to this hearing or set up a payment plan that I can not afford.
answered on Mar 6, 2017
See: https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleV/Chapter260
See: https://malegislature.gov/Laws/GeneralLaws/PartIII/TitleV/Chapter260/Section2
You might be running very close to the SOL. More details are necessary to provide a professional analysis of your issue. The... View More
Facing suit over defaulted private student loan my daughter defaulted on that I cosigned. My households only income is my husbands Railroad Retirement, which we live on. My home has a Homestead Declaration filed in 2003, I have since taken one equity loan in 2008 and married in 1997. Deed is still... View More
answered on Oct 22, 2015
It appears that everything but the home is your husband's, so that should be ok. I wouldn't think that the homestead declaration would expire, so if the homestead exemption is unlimited, you should be fine.
For more than 15 years, I have received phone calls for a person who has never lived at my address. I researched the person's name and discovered they have a very similar phone number (a simple transposition of 2 numbers). These calls have come from 7 different collections agencies and one... View More
answered on Aug 18, 2015
Talk to a consumer protection lawyer in your area. Though I can't draw any conclusions here, it is possible that the agency or agencies contacting you are in violation of one or more consumer protection statutes, and you may be entitled to damages in addition to putting a stop to the calls.... View More
Guy on the phone says that if I don't pay, they will send the police to my house.
I can't pay. What can I do?
answered on Jul 27, 2015
Contact an attorney. A collection agency that threatens you with arrest if you don't make payment arrangements with them or pay a civil debt in full is in violation of the Fair Debt Collection Practices Act and possibly state consumer protection law as well. A local consumer protection... View More
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