Get free answers to your Collections legal questions from lawyers in your area.
I have been paying for the units for over a year but they are not in my name nor did i sign any rental agreement i just took over payments. I have full access to the account. Will it hurt my credit or go to collections for me if i just stop paying for them
answered on Jul 29, 2022
If you're not a party to the contract with the storage unit company, then I don't believe you can be held liable under any of its terms.
The insurance company is suing me and my 18 year old son for almost 30 thousand. I own a car and a double wide mobile home on a rented lot. We do not have money like that, none in savings. I also have 2 other children who live here. The insurance company said they will get their money by all means... View More 
answered on Jul 9, 2022
An Ohio attorney could advise best, but your question remains open for two weeks. I'm sorry about the accident. I hope your son and everyone else are okay. It sounds like you are being pursued by the carrier's subrogation department. At this point, you could consider reaching out to... View More
Our basement flooded and we received an estimate for work. We signed the estimate and we’re told it was “no problem” if we changed our mind. We told the company we were getting other estimates and to stop all work. They did an hour of work. We received other estimates that were 75% LESS than... View More
answered on Aug 26, 2021
Many credit card companies provide you with an option to dispute any charge on your card.
As soon as you dispute the matter, the credit card company with "chargeback" the amount from the Plumbing Company. The credit card company will then attempt to resolve the issue and... View More
Can a debt collection agency sue if they don't have my friend SSN and the report doesn't appear on her credit report. i told her to ignore it I think its a scheme tactic but she is worried?
answered on Jul 7, 2021
The question is a bit vague, but generally speaking, the debt collector (or the party owed the debt) can file a lawsuit if they have proof that the debt is valid, outstanding, and binding on your friend. They don't need a SSN to file the suit and the debt does not have to appear on the credit... View More
A well chlorination company cleaned the well of a house I'm in the process of buying and when I told them a week later that it didn't pass the county's water test they went back out to the house to re-chlorinate without my consent or scheduling anything with me and are charging me... View More
answered on Jun 30, 2021
A few things here. First, was the original service (which I assume you requested) warranted to pass the inspection, or should they have known that was what you needed, if you answer yes to either then the company breached its warranty to you in the initial service. The second service should not... View More
Sorry I meant start? Also I gave all my income information to the creditors lawyer and they were suppose to call me back to agree on a payment plan and never got back with me once they received my income they just went forward with the garnishment.
I had to cancel my debit card associated to the account bc of unrelated fraud. I figured that would cancel my subscription. It did not they auto renewed for a year. Since it didn't get paid they forwarded it to collections.
answered on Jun 7, 2021
Not by admitting you owe the money, which is what it appears you've done. Canceling a debt card does nothing to impair contractual obligations just because the card was given as payment. I would suggest sending the debt collectors a letter asking for proof of the debt. The FDCPA requires them... View More
They say it is from a payday loan but they won't tell me the name of the company. I did owe a couple of companies but I am sure I paid them off. When I ask they name of the company they just say cash store. I have no way to know if this is legit or a scam. They keep threatening with taking me... View More
answered on Mar 10, 2021
There are so many scams out there concerning these "payday" loans. Tell them to only contact you in writing and demand proof of the debt. I bet you never hear from them.
I got a call that said if I don’t call back that they would be obligated to take the case to court and advised find my location.
answered on Jan 19, 2021
This is something that an Ohio attorney could advise best on, since it could involve elements of state law. But your question remains open for a while. Until you can reach out to an Ohio attorney for more meaningful guidance based on the specific facts of your situation, as a GENERAL premise... View More
I recently received 2 letters from a collection agency stating that I have outstanding debts for speed camera violations in 2 different municipalities in Trumbull County, Ohio. This came as a shock because I never received a formal citation, photograph, or any evidence of any kind that indicated I... View More
answered on Dec 29, 2020
Contact the municipalities to determine if they are valid, and if they are, then use the Find a Lawyer tab to retain a local attorney to advise you.
The billing company was aware of the appeals and my son was keeping them updated on the status. They still sent it to collections. Insurance has finally paid the claim in full so where does my son stand in this situation? Does he talk to the billing company? The collection agency? Both? Is he... View More
answered on Nov 19, 2020
Dear Mrs. Hibner,
An Ohio attorney could advise best, but your post remains open for two weeks. In most jurisdictions, the recommendation would more or less be standard... You could tell your son to ask the insurance company to provide him with proof of their payment of the claim - that... View More
answered on Oct 2, 2020
An Ohio attorney could advise best, but your question remains open for three weeks. It could depend on your capacity and role in the matter. If you are insured by a carrier, you may want to consult with their examiner or attorney for guidance. Good luck
Tim Akpinar
Will a simple statement (without a list of transactions) work? Or do they need the original agreement and list of transactions? This is for an unpaid credit card debt that was charged off and sold to Midland Credit. (Assume you're trying to fight it without filing bankruptcy please.)
answered on Sep 11, 2020
If you filed for bankruptcy after the debt was incurred and you received a discharge, all that they need is your case number.
I started a new career 2 years ago and was able to get health insurance through my company. I have some health issues, so rather than cancelling the insurance coverage from my wife, I had her policy switched to my secondary insurance and my new policy as my primary. Yesterday we received a stack... View More
answered on Aug 26, 2020
An Ohio attorney could advise best, but your question remains open for two weeks. What type of lawyer? It looks like you already did a good job of identifying the categories - health care law and collections. You could reach out to attorneys in those categories. If you engage an attorney who would... View More
The case against me is from a creditor.
answered on Aug 10, 2020
It means the creditor has not been able to properly serve you court documents. They're likely to try some other means to serve you. As soon as you're served you have 28 days to file your answer or they will seek a default judgment.
It was quite a few years ago and she is now married to a successful doctor. She filed BK years ago but I know that the debt cannot be discharged. The amount was a bit larger.
answered on Aug 10, 2020
Each year the Ohio Tax Commissioner sets the interest rate on judgments. The current interest rate is 4%. As for attorney fees, that range is too large to properly estimate for you. If you choose to hire an attorney for collection, you can ask that attorney for what they're fees would be.
If not how could I go about getting that money back?
answered on Jun 23, 2020
There is no exemption in Ohio to protect short term disability payments (received from an insurance company, I presume) from being attached. The only way you can get it back would be to file a bankruptcy (presuming you are having financial difficulties (consult a bankruptcy attorney) and getting... View More
I pay out of my check each week for the short term disability and or income replacement premium. So when my company sent the money the garnishment was already taken out in the sum of 900.00 I hope this helps. I know some states look at employer short disability as income. Not sure where Ohio fall... View More
I have been getting money taken out of my check for the a garnishment while I was working but thought Short term disability was exempt? It was for a old judgment.
What does that mean? I’m the defendant.
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answered on Jun 1, 2020
Plaintiff didn't take any action and so the case is dismissed.
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