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answered on Jun 25, 2019
I do not believe so. While it does protect against default judgment, and it does force creditors to only charge a 6% interest (cap), being that Post Judgment Interest Rates are not that high, I would not think so
mistakenly sent taxes on payrolls that were done in error by an employee that did not know how to process payroll accurately. Payrolls were voided immediately (proof can be provided by adp)
But taxes and paycheck monies were drafted out of my pnc account totaling over 200k my bank was... View More 
answered on Jun 7, 2019
You really need to seek an in person consultation where the attorney can see all the paperwork to give you a proper answer, but expect to pay for the attorneys time as that is not part of the normal criminal free in office consultation.
I loaned multiple people money this past year. The money was loaned to people who were at the time long-term friends who agreed to pay me back ASAP. All of these people live in NJ and I have personal information (Addresses, etc) for all of them. I have texts showing them asking me for money and... View More
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answered on Dec 26, 2018
You should go to Court, but an attorney is not going to be willing to handle your cases, since it would not be cost effective. If you are really in such bad financial shape, why would you ever loan money to anyone?
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answered on Dec 23, 2018
Yes, it certain can, after the creditor gets a Judgment against you. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced bankruptcy attorney.
do they have right to collect.
answered on Sep 25, 2018
As long as the Statute of Limitations has not expired, then yes, they have the right to collect
I owe $10,000, which represents a remaining balance due to my divorce attorney. I have been paying this balance overtime at $50 a month for the past 10 yrs interest free to a law firm that filed for “N.J.S.A. 2a:19-1 Assignments For Benefit Of Creditors” a year ago. I had a verbal agreement... View More
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answered on Apr 24, 2018
NO! You are still obligated to pay it. However, depending on your overall financial and debt situation, you should consult with an experienced Bankruptcy attorney to determine if Bankruptcy of any type is right for you or not. Do not let geographic restrictions get in the way of retaining the best... View More
What are the exact forms and wording to use ? I never received letter prior to this ? I’ve also been given subpoena. Last payment made to target National Bank was 7/2009 & judgement was placed against me on 1/2015.
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answered on Mar 17, 2018
Depending on your overall financial situation, Bankruptcy may be right for you. An experienced Bankruptcy attorney will be able to determine which type of Bankruptcy is the correct one for you or not. Either way, you cannot ignore an Information Subpoena.
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answered on Mar 13, 2018
Yes your wages can certainly be garnished. Depending on how much debt that you have, you may want to consider filing for Bankruptcy. Chapter 7 Bankruptcy is not simply filling out forms. Trying to handle this matter yourself is not wise. You do not know the USBC, you do not know the local rules of... View More
I had a rental property that was sold at sheriff sale in NJ--foreclosed on by first mortgage co. I know that NJ statute N.J.S.A. 2A:50-8 says that the junior lien holder only has 1 year to sue or debt is time barred. However, does this statute only apply to property that was primary residence... View More
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answered on Jan 28, 2018
What you really need to be concerned about is filing a Chapter 7 Bankruptcy to wipe out any personal liability for your debts. You have been lucky so far, but don't push your luck. Chapter 7 Bankruptcy is not simply filling out forms. Trying to handle this matter yourself is not wise. You do... View More
Deceased dates: 5/22/07, 4/19/13 Date of judgements (both medical bills): 1/4/05, 9/23/08.
I am currently trying to sell the house to an investor and had trouble determining if this type of judgement has an expiration date or lasts indefinitely.
answered on Jan 16, 2018
Judgments filed with Trenton (i.e. Have a "J" #) are good for 20 years.
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answered on Jan 16, 2018
There is insufficient information to answer your question. Please rewrite this in the form of a question.
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answered on Jan 15, 2018
A Judgment has probably been entered against you. Depending on your overall financial situation, Bankruptcy may be right for you. An experienced Bankruptcy attorney will be able to determine which type of Bankruptcy is the correct one for you. To properly answer your questions and address your... View More
I filed a writ of execution but was unsuccessful. he still refuses to pay..what can i do? can i file criminal charges under theft?
answered on Nov 1, 2017
This is the problem that plagues all collection counsel. Figure out what bank he/she uses and levy the bank account, garnish wages, and have sheriff seize his vehicle
I received a $400.00 bill in the mail for the supposed balance on a MRI from 4 years ago. This is supposedly what insurance did not cover. The company is no longer in business and this is the first notice I am receiving for the amount owed. I researched online and medical bills in NJ have a statue... View More
answered on Oct 26, 2017
You would still owe the debt. They could have sold same and the new company is coming after you.
Hi, I was recently notified from a debt collecting attorney that I had an outstanding student loan from 5 years ago. I spoke to them on the phone and they sent me an electronic agreement. Every time I ask for a physical copy, there seems to be an issue. Should I wait to begin payment until I... View More
answered on Aug 1, 2017
There is no rule on this. In today's world an electronic copy of the agreement is probably sufficient.
now they are sending a letter to pay them 2100 in legal fees is that reason or can they charge whatever they want.
answered on Jul 26, 2017
What they can charge is based on the bylaws for the HOA and what a court would consider reasonable. You may want to bring a copy of the bylaws and the court paperwork to an attorney for review.
personal mostly cc but a couple of bus and credit lines. Was served court papers for 1 already. How do I follow up with all this? I wanted to declare bankruptcy months ago, but I haven't had any income above what my immediate bills are.
Thanks.
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answered on Jul 18, 2017
You need to immediately retain an experienced bankruptcy attorney.That is the best and most cost effective way to handle this situation.
Does N.J.S.A. 2A:14-5 apply since it has been over 25 years and their has been no action to reinstate the judgement. It is hindering me from gaining my drivers license.
This is related to Debt Collection in NJ. There is a collection for a very small amount medical bill for my child. I think my spouse signed the payment agreement when taking our child to the clinic. I am unaware of the collection till it hit my credit report. Is it legal for a collection company to... View More
answered on Jun 12, 2017
As this could be a.matrimonial matter and collection matter, it depends on who is liable under the insurance, the matrimonial agreement and who is the responsible party. Short answer is yes
Do I need a lawyer. they won by default, I didn't even know about it until now. also at the time was living with my father who had the same name at same address , its posible he got letter from them.
Can I ask to vacate judgement .
answered on Jun 9, 2017
Yes, you can. It will require a motion. You need to demonstrate a defense and lack of service.
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