Wisconsin Collections Questions & Answers
Q: what is statute of limitations on credit card debt. Last used 2010. Wanting payment in full 2018
Was sent to prison 2010. Wife ran card up to over $6000 without my consent. Now in 2018 credit card company is demanding payment in full. No judgment in past and haven’t heard about it until last 6 months
It's 6 years from the time of default. However, you may be liable for the debt incurred by your wife. Call a consumer lawyer in Wisconsin and get a free consultation.
Q: Judgement paid in full need satisfaction letter. Who do I contact?
Paid judgement in full. Need to file with the courts to purchase a house. Who do I call to get satisfaction of judgement?
You should contact the creditor.
Q: After I fill out the debtor's answer form, and I give it to my employer does that mean the garnishment is to stop
It depends on your answer.
Q: In a medical practice, if I have patients sign a billing policy indicating these details, can I then charge them
Them , should they go to collection, the collection fee I would be charged, in addition to their paying the bill owed?
It depends what details are included in your billing policy. Presumably, your patients would be individual so the transactions would be covered by the Wisconsin Consumer Law, which imposes limits on what a consumer can be charged. For example, you cannot charge reasonable attorney fees to collect... Read more »
Q: I have a note against the company I work for. I loaned the company money. How can I collect the money?
It depends on the actual language of the note.
Q: I need assistance in understanding a legal document
Get a copy of the documents to a consumer lawyer - most of them in Wisconsin offer free consultations. They'll be happy to answer your questions.
Q: Can a WI credit card collection agency try to collect a debt from 15 years ago? No contact on at least 10 years.
Most likely, no. That's because 6 years after default (assuming they don't have a judgment and you didn't make any partial payments) the debt can no longer be collected. Find a consumer lawyer and get a free consultation to better understand your rights.
Q: I am ready to send a business owner the creditor demand letter. Do I need to mail it?
This business owner owes me over $10,000. I texted him and emailed him asking him to pay me back but he just ignore me. I can mail a demand letter to him but my guess is he won't read it. I just want to start this process. How should I start? Thanks!
You should consider filing a lawsuit. If the contract is between two businesses, you will need to hire a lawyer because only a lawyer can represent a business in court.
Q: A hospital Bill that you get behind on, can the hospital just send it to collection agency without even notifying you.
They also are charging 5% interest per year but never notified me of that either. I suppose it's all legal but when someone is suppose to pay it and doesn't, it would have been nice to hear it directly from the hospital first.
That's an issue of "hot debate" in the legal community these days. I would recommend talking with a lawyer in Wisconsin that handles "consumer law" issues or debt collection issues. I'm sure they'd be happy to take a look at the collection letter with you. Depending on what the letter says, or... Read more »
Q: What funds are exempt from garnishment. unsecure credit card companies loans?
Im trying to make arrangement to lower my payment and interest rate. Im not in default or any late payments yet but will be if they wont work with me. Ive become disabled and cant make the payments much longer.
Sounds like you need to utilize something called "chapter 128" that's available to individuals in Wisconsin. You do need to be employed to file; so I"m not sure if you have any employment income in addition to your disability. Here's an article about how a Chapter 128 works:... Read more »
Q: Can a credit card debt collector freeze my bank account if it only contains disability, pension and IRA deposites?
You'd need to offer a few more details - are you talking about the funds in your checking account? Regardless of the source, you have a balance of $5,000 (based on the state statutes) that's protected from garnishment.
Q: Can Aurora Health Care automatically send bills for deceased patient to collection agency? It's their new policy.
I received first and only bill for my deceased mothers care May 30. Called for itemized bill June 1 and was told I could not have itemized bill because deceased patient's accounts are blacked out upon death, however, I might be able to get a copy after her account is closed. Then on June 9 I... Read more »
Are they sending the bill to you? Sounds like you need to locate a Wisconsin consumer law lawyer to review the letter for you. They shouldn't charge you anything to review the letter, explain your rights, and give you some advice.
Q: How can I get relief or exempt from the garnishment of my wages?
The amount that is being taken out biweekly makes it impossible to pay rent and feed three children. I'm the only one in the household with a income. I'm extremely concerned for the safety and wellbeing of my family.
The amount that can be withheld from your paycheck to satisfy a judgment is set by state and federal law. Although there are some exceptions, in Wisconsin that limit is typically 20% of your disposable income. You may want to talk with a bankruptcy attorney about whether Chapter 7 might be a good... Read more »
Q: After billing how long does a business or collection agency have before the bill is no longer viable?
They have until the expiration of the statute of limitations. I am not licensed in Wisconsin - some states have 3 years (like NC) or 4 years (like PA) or 6 years (like GA).
Wisconsin seems to be 6 years, but I am not certain what kind of debt this is (credit card or other) and it may be a... Read more »
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