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My boyfriend meets the legal requirements to become my domestic partner and be added to my health insurance. We have never done it before because we are afraid that his defaulted student loans will become my liability. If I add him to my health insurance, can the student loan people come after my... View More 
unpaid phone bill I owe (that I've been disputing for months now). Is it legal for them to do this?
answered on Jul 30, 2018
Sounds like a scam. No collector comes to a door for a phone bill.
terms state to pay back by dec 2018. she lost her job due to drug problems. i want to know if i should seek legal advice and file a claim NOW or wait till after december to see if she actually pays anything back. we have been best friends since we were 8 (now 28) and she is going through a tough... View More
answered on Jul 1, 2018
Save the document. If the terms say December that is the due date. There is no default yet. You can sue in small claims for this.
they're looking for but I'm certain I am not. How do I get them to stop calling?
answered on Jun 12, 2018
Run your credit report. They are getting your information from somewhere, and you have likely been the victim of identity theft. You cannot stop people from calling, but if you document that you are not the right guy, they will stop.
are refusing to accept my paid-in-full paperwork or provide an accounting of this supposed debt. I don't want my credit ruined. How do I get them to stop bothering me?
answered on May 2, 2018
It could be a scam. The reality is you have to block the number. Do not pay.
A loan was taken out for me by my mother, and cosigned by my aunt. I believed the loan was originally taken out under my name and cosigned by my aunt. Since I realize the loan is now not under my name or my credit report and I cannot claim the interest on my taxes, I feel I do not have an... View More
answered on Apr 14, 2018
While your aunt and/or mom could sue you as the beneficiary of the loan, the bank cannot sue if you did not sign the note.
answered on Apr 5, 2018
Go to the court where the case is pending to file an answer and inquire about legal aid.
Ex is in prison, both names on title.
answered on Feb 20, 2018
Report the car stolen. Then call the police and tell them where it is.
I owned a small business that has been closed since 2006. It was set-up as an S Corp. How can I be personally liable for an old business debt? What do I do? How can I fight this and protect myself. I live off of disability. I am located in West Babylon, NY. Is there any legal aid that can help?... View More
answered on Jan 31, 2018
You need to make a motion to vacate it. Depending on the amount and the court, the price varies. If you have no assets, you are judgment proof. Disability payments are exempt and cannot be taken.
The money was in a timelocked bank account since I was a kid but somehow NYS said the account was inactive and they claimed the money. We got the money sent back to us but can I use it now as opposed to the original date agreed upon? It’s not in an account anymore so does it still need to follow... View More
he left for personal reasons and now I'm being charged for the equipment he took. The contract has mine and his signature
answered on Jan 22, 2018
As between you and the company, you owe it. You can sue your son for contribution.
debt for $13,000.00. Can the credit card company take the home away from my daughter?
My father had a boat which was repossessed about 8 years ago. He just received notices in the mail that he owes the balance plus interest for the past 8 years. The amount is exactly the amount that was originally owed.
answered on Nov 28, 2017
Just like a car, this is the deficiency after the repo sale, and the charges of the sale. Your father must respond. There are defenses, and settlement for less is possible. Ignoring it will cause a default judgment to be entered.
The lawyer wants double the amount of the original bill to settle the matter. He has a F rating with the BBB and has terrible reviews all over the internet. Is there a statue of limitations for this in NY?
answered on Oct 23, 2017
The statute of limitations applies to bringing an action. Once the judgment is entered it is on the record for 20 years. You need to bring a motion to vacate the judgment.
A member of my family had a brief hospital stay at the beginning on the year after which we received and then pain a Bill from the hospital in full. Several months after we paid we received a new bill indicating that we owed additional money for the hospital stay even though our prior balance was... View More
answered on Oct 19, 2017
It depends on what your insurance covered and what really was charged. If insurance is not paying, appeal with the insurance company.
My husband had a payment arrangement through a bank's attorney. My husband is now deceased. Do we need to do anything. Can this account be sold to another collection firm? We live in NY. Thank you.
answered on Sep 11, 2017
Probably marking off the case as the defendant is deceased. If this was solely your husband's debt, you do not have to do anything or ever pay it.
My husband told me that he has a judgment against in in New York state. He has not paid it and said they are going to come after my assets. The debt was not in my name and my assets are in my name only. We have been living separate for about 10 years. Can the bank come after me or my Assets? I... View More
answered on Aug 28, 2017
They cannot come after your assets if his name and social security number are not on your bank account.
my dad and i have a joint accnt from when i was 17 and has never participated in my account, never made any deposits/withdrawals/anything, only upon my request to take out cash for me sometimes when i needed, his participation was just to accompany a minor in opening an account and purely for... View More
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answered on Aug 16, 2017
Your Dad, if eligible needs to file Bankruptcy, otherwise, you probably won't be able to get it back. 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.
The judment was filed in 2008 in Albany. The interest at this point is just too much for me to pay. I read that most judgments fall off after 10 years unless it is renewed or such. Will this judgement fall off or will they renew or does it last longer than 10 years?
answered on Aug 13, 2017
Judgments are on the books for 20 years in New York. Ten years is the time they are a lien on real property.
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