I had secondary insurance (united health care) for a few months mainly for a new prescription for my glasses. Primary Amerigroup. I had a doctors appointment during the period I had 2 health insurances. I did not supply the information for my secondary insurance to my doctors office but a year... View More 
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answered on Nov 15, 2023
The No Surprises Act generally protects patients from unexpected bills for emergency services and certain services at in-network facilities.
However, it's important to understand that this protection may not cover all medical billing situations. In your case, if you had secondary... View More
I've been to many centers and not one ever enquired over a partial blindness from 34 yrs ago..I was told I had abnormalities which was wrote down and go have my pcp sign off saying I was congenital and benign...smh it was 34 yrs ago. Now mind you this is my 4th trip already to this place. My... View More
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answered on Nov 12, 2023
In Tennessee, if you're facing difficulties donating plasma due to your partial blindness and the plasma center's requirements, there are steps you can take. It's important to ensure that the plasma center is not discriminating against you because of your disability.
The... View More
The lawsuit is coming from a loan company that has acquired a lawyer for representation. I think I got the term "Consent Judgement" correct. With that being said, since the judgement was approved by the courts, is it still necessary for me to go to court?
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answered on Nov 10, 2023
It is probably an Agreed Judgment. I recommend you still go to Court to get the agreed money Judgment entered. Sometimes bad things happen, and it is difficult to rectify them. That creditor's attorney might forget about your agreement and enter the full ad damnum, plus attorney fees... View More
Then the person they are with asks if they could go back out to the vehicle and get something out of the vehicle to exchange, so they leave it at the return counter and let them know the person who needs to exchange it is in the store shopping so they asked you to grab item out of vehicle and you... View More
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answered on Nov 9, 2023
Walmart employees, like those of any retail establishment, are often trained to observe for unusual or suspicious behavior as part of loss prevention strategies. Leaving an item at the return counter with an explanation that someone else will finalize the transaction could be seen as unusual and... View More
The co-borrower quit claimed the home to me through divorce. The tax assessor removed the co-borrower. The co-borrower is now incarcerated and Deutsche Bank will not remove the co-borrower from the loan unless I refinance. I am still rebuilding my credit and life after divorce and being the sole... View More
answered on Jun 16, 2023
It sounds like you should have refinanced a few years ago when rates were super low. While you probably can’t sue your lender for the interest rate assuming that is the rate you previously agreed to, you probably can still get a lower rate on a 15 year mortgage even today and get the co-borrower... View More
I’m military, living in Tennessee but currently serving a tour in Korea. Seller lives in Missouri. Lien is recorded in Illinois. After months of excuses about the bank being slow I received a picture of a title with matching vin showing the seller as the buyer and the lien signed off. So not a... View More
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answered on Jun 9, 2023
If the contract was made in TN, then jurisdiction arguably lies there. But it sounds like it is a MO contract, and apparently that is where the seller would be served, so MO is alot safer. You did not mention the price involved, which makes a difference. If that photo shows a lien, then contact... View More
Samsung's headquarters is in New Jersey. Do I file in Tennessee or New Jersey?
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answered on Apr 28, 2023
In Personam Jurisdiction varies greatly. If there is a contract, it might have a jurisdiction term, or you might be able to sue in the County where it was formed. With a tort, where the injury occurred. Almost always you can sue in the defendant's home place. Depending on the case, you... View More
Upon investigation the bank said we didn’t owe them anything and they saw one refund . I supplied a a letter from the bank and statements to show we got one refund . The cruise line accountant told us to wire the money or they will cancel our new cruise we have booked .trust me I checked and... View More
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answered on Mar 5, 2023
If you have evidence that you received the double refund that the cruise line is claiming you owe them, and you have provided this evidence to the cruise line's accounting department, but they are still threatening to cancel your new cruise unless you wire the money, it may be advisable to... View More
It was different brand, make and model as seller described
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answered on Jan 25, 2023
You should notify the police or sheriff about this because it can be a crime to alter serial numbers when it was done to misrepresent the identity of the item. You can also probably sue the seller for fraud. But you should talk to a lawyer about this first. What you can and should do will be... View More
Someone fraudulently cashed a check I sent to pay my trash bill. The trash company never received it, so they still say I owe the bill. Who is responsible for getting the money - the bank, or the trash company?
answered on Jan 13, 2023
Most likely you.
If someone intercepted a check you wrote to pay a bill and wrongly cashed it, you can legally pursue that person and possibly your own bank as well as the bank that cashed the check.
But you do still owe your trash company and should pay it. This time I recommend... View More
They are not my mortgage company, and i am at the point of screaming into the phone that i do not want to talk to them. I am a truck driver so multiple calls from a company that I have nothing to do with is extremely distracting and they seem not to get the hint. I have declined their calls except... View More
answered on Jan 12, 2023
If the calls are automated and you have no business relationship with the mortgage company, you might be entitled to statutory damages under the Telephone Consumer Protection Act. If you answer the calls and you hear an automated voice prior to speaking to a live representative, you should reach... View More
An extended friend of mine got a call from a funeral home last year saying I gave them that number which wasn't mine to make plot arrangements and burial plots for myself and every since then I been popping up as deceased even when I went out of state and tried to buy a phone it showed I was... View More
answered on Dec 9, 2022
A Tennessee attorney could advise best, but your question remains open for five weeks. It would be helpful for the lawyer to have experience working with personal information with government agencies. Maybe reaching out to identity theft, social security, privacy & security, or other attorneys... View More
But will not give me proof that’s what they did or where they sent them
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answered on Oct 17, 2023
If it is enough money involved, then sue for conversion. Suing banks is difficult, but General Sessions Court might be the answer here.
She notified the office it was undriveable. They say they didn't get the msg. She has the phone record. After a month they won't tell her where it is. There is no towing sign at the entrance
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answered on Oct 4, 2023
What is your question? Owner can tow cars which are obstructions. But you will be lucky to find the car and who had it towed. I doubt any kind of conversion action is there.
A business texted, harassed, and threatened customer regarding money owed. They then filed a lawsuit. How do you address the improper collection actions with the court?
answered on Sep 26, 2023
You can bring a cross complaint. But, first, make certain what they did was illegal, and that the are the type of creditor that is precluded from those actions.
Consider consulting with experienced debt collect defense/FDCPA attorneys in the state where this occurred.
Multiple promises in writing, asked Corp multiple times for transcripts, recordings & notes for all interactions with representatives that I supposedly had access to as customer, I have large amount of those interactions & asking to compare in order to solve who is at fault to no avail...... View More
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answered on Sep 25, 2023
That sounds like a potential breach of contract action on each refund. Possible class action. But it sounds like you have no evidence. Consult with an attorney. But be advised it may not be a TN jurisdictional matter.
The judgement was from a landlord because she broke a lease and the judgement was for 9K. This was five years ago. She just got a car so she can drive her child to where they need to go and it was taken. The car is only worth about 2K. That said, if she gets another car, can that take that one as... View More
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answered on Sep 22, 2023
Friend needs a competent TN attorney to file a Notice of Exempt Property with the Court and creditor.
The judgment is just against me. I own zero assets, either solo, jointly, or tenants by the entirety. How do I best object/respond to requests for spouse info during post-judgment interrogatories? Invasion of privacy? Same thing with tax return requests? Redact all info but specific to me or refuse... View More
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answered on Sep 19, 2023
You probably have no grounds to deny their discovery requests. Answer truthfully before a notarty. Then file a Notice of Exempt Property.
I’m experiencing a leaking roof & interior property damage by Directv from a 2nd installed dish that occurred in 2021. The original dish was installed in 2006. The repairman in 2021 removed the old dish but left the old mounting brackets in the roof and installed a dish with mounting... View More
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answered on Aug 1, 2023
Property Torts have a 3 year SOL. But they are already claiming you busted it. When you sue expect to fight a Rule 56 Motion on the SOL. Be prepared to prove the 2021 work is what did the damage.
I’m a contract employee and the company I’m contracted through receive a garnishment for me.
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answered on Jul 7, 2023
If the creditor issues a garnishment against the payor, then that is probably going to be a successful garnishment against all monies owed you.
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