Debt Collection Questions?

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Debt Collection Questions and Our Answers

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Drivers license held hostage 
I went to pay a fine I had for a speeding ticket, and instead was handed a card for the collection agency by the courts. When I contacted agency, Penn …

Debt collector call me at work? 
Can a debt collector can call me at work to ask for a debt that i don't even know?

Is this legal? 
I have a garnishment that just started that I didn't know about. The reason is because they sent the legal paperwork to an old address despite having …

court judgement 
My wife obtained a court ordered judgment against a tenant that broke their lease. What steps need to be taken to try to collect the judgment in Las Vegas, …

Survivorship. 
If a spouse has a credit card in their name only and passes away in Michigan is the other spouse responsible for paying the debt. The same question but …

Changing monthly payment amounts 
If a collection/Attorney in charge of your previous deliquent credit card account only gives you a two year window to pay back a balance that is being …

Credit card debt dropping off my credit report  
I have a friend that owes Capital One $2,100. He is making payments of $200.00 a month to a law firm. His credit report says it is estimated to …

judgments  
can a judgement take my lawsuit settlement, even if i am unemployed and homeless

Does the defendant still owe plaintiff if plaintiff is now deceased? 
Plaintiff awarded claim in small claims court in Riverside County, California. Defendant making payments as agreed. Defendant has learned that the Plaintiff …

Two debt collectors and one is fake 
I live in California and am having an issue with a company in Ohio. I recieved about 5 phone calls from these people in a span of about 10 minutes while …

storage fees 
My daughter has a storage unit with furniture important documents and other personal property I'm trying to get the property out of storage am I responsible …

Disability income only (can they still collect?) 
I am 50 years old and have been disabled by a neurological disorder that is a progressive disease. I live in Kentucky. Before I became disabled, I did …

Excessive NSF Bank charges with unlawful collection 
I was a member of a credit union for several years of which my dad was also a member. I maintained a checking account approximately for a total of about …

payday loan trap 
If my payday loan go into collection, can I be sued for none payment

Cleaning up my credit report. 
I read the first part of the ebook and it seemed to do a lot more with dealing with debt collectors that are contacting you. Here is my question... …

Collection of credit card debt 
I have been unemployed for almost six years. I used my Bank of America credit card to live, eat, buy gas. It reached $10,000 +/- and now with penalties …

Disabled Pa renter whose only income is SSI being sued by debt collection agency 
I HAVE READ THE FIRST PART OF YOUR BOOK. PLEASE HELP ME. I am a PENNSYLVANIA resident who is being sued by a debt collector(Portfolio Recovery) for …

Debt collection company keeps submitting 9.80 check to bank 
I wrote a check for $9.80 two months ago. I'm on dissability and made a misscalculation. This check has already cost me over $150.00. Is this legal? Is …

Further action by debt collectors Lawyer 
I made an agreement to try and repay to an attorney of a debtor I owe a certain amount and to increase this amount in 6 months but due to lack of work …

Credit Card write off 
When a creditor writes off your balance as income, does it go off your credit report?

DEBT COLLECTIOn 
I got a loan from Casshcall in July 2007. I defaulted on payments after i got laid off from my work on August 2008.they have tried to collect despite …

Is money in a trust subect to default judgement on a real estate looan 
In California, are the funds in a trust subject to default judgement as co-signer on a real estate loan in Minnesota?

Collection 
If a collection agency has filed a suit against a person and it goes to court, if the collection agency that filed does not show up for the court hearing …

we lost our apartment. 
My wife was discharged from the military and I was unemployed at the time we chose to move out of our apartment instead of being evicted. We were told …

can they take my motorcycle? 
hello I just found out i have a court judgement against me from a Credit card company can they come and take my motorcycle that I just bought with cash? …

What Options Are Left When All Else Fails In Negotiation? 
If a Collection Agency's refusal of credit report removal as a condition is not met, are there any consumer options left? Also, is it a legal fact that …

Wife owns home 
I owe taxes from last year. Can the IRS place a levy on a home owned and titled in my wife's name only?

Does this sound like a credit scam, please help me! 
I was send to a collection agency by a training center that got paid for my training by finalcial aid and a student load that im still paying for. Collection …

unpaid traffic tickets 
I have unpaid traffic tickets in washington state,For non payment of child support.I have now have been paying child support and they have released my …

Debt of an Elderly Parent 
My mom has no assets and is 70 years old and in good health. She receives only SS and a small pensions and has a basic checking account with no savings. …

Consequences for Refusing to Pay Collections Agency 
I cancelled my gym membership back in November 2011, but they never gave me a copy of the cancellation form that I filled out. Per our original contract, …

seizure of personal property 
In the state of NC can my personal property be seized and sold by the local sherrifs department?

Bad Debt included in the address 
Is it legal to include the term bad debt following my name in the address?

will they wait if i apply for ssi 
got a major medical bill in april and was approved for cmisp ins. my case is still pending i'm eligable for ssi in dec. do i need to worry.

Turned over to collection when I wasn't late and now collection agency won't correspond with me 
I had a school loan through EdOp. There came a time about a year ago that I couldn't make the payments so I called them to find out what my options were. …

Unpaid Motorcycle 
I bought a motorcycle a few years ago and stopped paying a year after. I still have the motorcycle. What will happen? What should I do? What are the chances …

can they try & collect a 10yr old dept 
Can a collection agency hold my wages for a 10yr old fishing ticket.

Debt Collection Attorney Attempting To Collect Auto Loan 
I live in Georgia. In March 2006, I bought a car and in March 2007 it had severe uncorrectable problems and a dealer would not take it in trade so I bought …

Debt collEctions 
Can a debt collection sue you for money due if your on ssi?

can they garnish my son's bank account? 
A credit card company has threatened a judgment against me. If they get that, can they garnish my 19 yr old son's bank account?

spouse in nursing home credit card debit cannot be paid  
my husband is in a nursing home and being sued for old credit card debit he cannnot appear in court and has no available funds on social security disability …

city public service bill 
Do I have to pay a bill in th amount of 597.28 that is over 15 years old before I can get service?

Negotiated payment plan with Collection Company, but attorney wants their fees. 
I am self-employed in Mississippi with over $11,000 in medical bills which are currently in collections. I have been contacted by an attorney and am being …

responsible for student loan 
We signed for a student loan for our son who has since become disabled. We are still making payments every month and am wondering if we are responsible …

fha 
I was foreclosed on an FHA mortgage My tax returns are always confiscated by the dept of treasury . what will happen to my social security disability …

student loans 
I have a company that sent me a letter that they are garnishing my wages. Is there anyway I can keep them from doing this, if I re-enroll in another on-line …

Daughter's X-boyfriend's debt collectors are coming to my home 
My daughter's ex-boyfriend used my home mailing address (without my permission)now I have his debt collectors actually coming to my home trying to collect. …

Old cc debt loaded on new cc? 
Can a credit card company load old uncollected debt past the statue of limitations on a new credit card they want to issue to me?

Settlement Information 
I am trying to settle a debt from a debt collector/law firm company and they will not even take a settlement offer unless I give them my employer information …

Opening a new checking account after a civil claim judgment  
In February 2011, I received a civil claim judgment against me in the State of Texas. I would like to open a new checking account but am afraid that it …

Can they garnish my bank account? 
I had a judgement against me, which I made payment arrangements on. My husband was laid off and I havent been able to make the payments. Will they garnish …

Debt and Divorce! 
I have credit card debt and healthcare debt from when i was married. These credit cards are only in my name and the healthcare is in my name but insurance …

Collection Agency 
Can a collection agency garnish your wages for a debt 6 years ago that accured in another state and under a different employer, and constantly harass you …

Pay Day Loan 
A law firm claiming to be Hollander and Schwartz called me and stated it was due to a affidavit being filed against me for fraudulent checks. I explained …

notices for credit card debt in tx 
what kind of notice is required in tx for a credit card debt before plaintiff can file suit?

Can Husband's ex garnish my paycheck for a debt against him? 
I live in Arizona. My husband's ex got a judgment that my husband is supposed to pay $6000 for HER attorney fees. This payment is now past due as he can't …

My Ex-Boyfriend's last name is on my credit report 
My ex-boyfriend purchased two vehicles in 2005. One was for me to drive and they had me put on the papers as a co-signor. He was the sole financial provider …

Can Old Debt Be Reported 
Can a debt collector put an old debt-- over 7 years old -- back on your credit report. Reply from DebtCollectionAnswers.com: No. Collection accounts …

creditor or debt collector  
HAVE A creditor or debt collector THE RIGHT TO CALL MY EMPLOYEE?

The Different Free Credit Reports  
Hi, I would like to get a credit report. I'm sure that there is much personal information needed before I can get one and wonder if somehow creditors …

dept collection 
if i have a dept with the government will they take teh money out of my tax return?

Social security 
My mom is on social security...that is her only income. She is being taken to court for an auto loan from years ago. Now I already know that they can't …

How do i find which collection company has my title of my old car? 
I have a 1999 car.I never made the last payment andthe balance $160 was sent to a collection agent.How can i find them ,so i can pay it off and get the …

Can collection agencies use other peoples private line #'s( that are identified on caller ID) to contact you? 
Is it legal for a collection agency to use private phone numbers to identify themselves on the caller ID? I have received many calls from all over the …

Original Court Ordered Debt amount paid, now I'm just paying court cost, fees and interest 
Hello, A judgement was ordered against me to a debt collector in the amount of 9,618.00 in March 2008 in IL. The original balance of the debt was 6,600.00. …

Ex Husbands credit card 
My wife and her ex husband had a credit card together at target. They were divorced in 2004 in Pierce county Washington State. He agreed to take over the …

interest. 
I live in Indiana and I was wondering if you make regular payments is a debt collector allowed to still charge you interest? My husband is now being garnished …

Vehicle repossession and IRS 
Hello, in 2007 I co-signed for what now is an ex girlfriend (stupid move) and shortly after a brutal break up she allowed the vehicle which was in her …

settling old tickets 
Is there a way to settle old tickets (mine are in Texas and I live in Colorado and can't get a license because of them) through a lawyer or debt consolidation? …

Threatened with jail from secured creditor 
I have a judgement against me. The creditor is an individual. He sent me an email threatening that if I did not meet with him, he would send a Sheriff …

vehicle not reposessed, How to sell it short. (WAY LESS) 
Five years ago my ex-spouse purchased a vehicle in the United States. After three years she defaulted and also moved back to Canada. When she left she …

PAYMENT INSTRUCTIONS 
If "Final Payment" is written in the memo line of a check and a company cashes that check is the company liable to go along with it being the final payment …

Bank loan owed in Texas 
After my divroce I was stuck with all of the outstanding bills due to my ex wifes bad credit. There is one bill in particular that has been paid down to …

why would i get a court order for a debt of a few thousand dollars? 
a guy comes to my house on a Sunday and tells my husband that he needed to see me, i was at work at the time. he said that there were legal papers and …

cant find all of what i owe 
I know i am in collections for gilbert municipal court due to non payment and tht suspended my d.l. but now i cant figure out how to get ahold of tht company …

If Ex Wins Custody Case, Can I(100%disabledVAvet) be forced to pay her attny fees? 
I am a God fearing (single by choice from now on) father of 1 awesome 9 y.o. boy who is currently embroiled in a custody case with my ex-wife, we were …

HOA and Garnishment 
Can my HOA garnish my bank account? My income is from Disability Retirement and Pension from my previous employer. I live in Washington State.

CO-signed on an apartment... now in collections 
I co-signed on an apartment for a friend and now tehre is a balance due for $ 6793.32 because she ended the lease early. The bill was sent to Associated …

5 years 
Can a debt be collected after 5 years of no contact from them?

Private Student Loans 
I took out some private student loans a couple years back. I am still in school, but the company says that my "shelf life" has expired. At the time of …

hospital bill 
can a hospital bill 2 years old garnish my wages or take my car? I olay make min wage and rent takes over half my monthly income

alleged unpaid parking citations 
Philadephia Parking Authority has hired a law firm to collect citations for 12/26/03, 03/10/04 and 11/29/05. My credit union says records are kept up to …

Collections 
I broke a lease in Dallas and in Las Vegas and I have utilities from Vegas that all went to collections. How can I get in touch with collections to start …

Receipt from collection agency 
Does a collection agency have to provide a reciept for a collection i paid in full?

Wage garnishment. What can I do? 
Quick click loans just won a judgement against me and got a wage garishment granted. I do not want to file bankruptcy but I can't afford to pay them 25% …

I am in the state of Idaho. I am late, what is next?  
I am in Idaho. I took a title loan out on my Mercedes to pay a medical bill. Ive been diagnosed with colen cancer. I have not made a payment. The loan …

Default Car Loan 
Can a bank that holds your car loan, take money from your checking account without authorization, because the checking account is at the same institution? …

Car loan is in our names. car got reposessed.  
Im I liable in the state of Oregon to pay all those amount in the collection agency? I am out of work in no way I can not afford to it. I am in Florida …

civil orders 
If your court ordered to pay a civil debt can you file for bankruptcy and no longer have to pay that civil order

Still pay bill after receiving summons for small claims? 
I just received a summons for a court date for small claims court (I'm in CA) for the end of January. This was for a personal loan, and I am only 2 months …

Judgment 
A company filed a suit against me and sent a letter September 2010. I responded to the company in a timely manner to keep from going to court. An agreement …

Bank has garnished account after 4 years 
I had purchased a car for my exhusband and after we got divorced he left it on the side of the road and volentarily surrendered vehicle. I had no idea …

life insurace 
If my wife had an life insurance I am the beneficiary. If i have a judgement againest me can they take this life insurance

judgements being taken from bank account 
My ex wife apparently owes 4000 to capital one and they have obtained a judgement and are attaching her bank account for all of her money. We have 3 kids, …

Can Interest Still Be Charged? 
I moved to New Mexico from Colorado. I received a debt collection letter from a lawyer in Colorado with an old debt of mine from 2/2008 for $5558.37 from …

Being sued by a debt collector 
Hi, I'm being sued by a debt collector. My only income is SSD and child support which I believe according to federal and state law they cannot take. …

elderly woman with debt 
A 78 old women owes around 8000 to a credit card that is now in the hands of a so called law firm debt collector. The account was opened in 2004 it went …

80 year old mother may lose home in bankruptcy case 
How can we prevent my mother from losing her home in a Chapter 7 bankruptcy case she will be going through soon? She has a $61,000 home equity loan that …

my loan is in my deceased dads name 
my motorcycle loan is in my dads name and he just passed away friday wat happens with the loan? i have been paying the payments all along so wat happens …

insurance direct payment plan error 
when i purchased my auto insurance policy, i decided to use the monthly automatic payment plan. in that plan i supplied AMICA with my bank account information …

Payments being made to original company, debt collector calling yet 
My husband is having weekly payments for training he received being deducted from his pay. The company he works for is very reputable, and I have no doubt …

Debt Collecting 
Will debt collectors, especially credit card collectors, garnish or take your student loan refund check if you are a student? They refund check doesn't …

What to Do About an Old Cable Bill 
I owed a bill on comcast cable and it been 11 years of this debt and they're still charging me for that Can i dispute that? Reply from DebtCollectionAnswers.com: …

paying one loan while being garnished by a creditor 
Do I have to pay another debtor while I am being garnished by another? I just started making payments on my federal student loan but found out today Im …

im being billed by two seprate companys for the same student loan 
recently ive started paying on both my student loans,i cant afford both and the lady for the one ive been paying for almosta year said i over qilified …

I've made payments 
I was informed of this debt a few years back. For a while I did nothing about it. About a year ago I made a few payments but then they told me my account …

Can I get my wages garnished without notice? 
I am very curious to find out if it is legal or what are my rights when it comes to wage garnishment. I have been getting my checks garnished for the past …

Breaking lease because of no money 
I'm a college student and I signed a 12 month lease last year. the problem is that I found out after I signed the lease that I'm only going to be at school …

Property code violations 
I recently filed bankruptcy and surrendered a rental property. The bank foreclosed on the property. The city is attempting to collect for code violations …

Payment Plans 
I went through a forclosure in California, the second mortgage was charged off and sent to a collection division of the same company. I made arrangements …

debt from court 
How do i figure out what i owe and to who... I am esp interested in paying off debts from court that was sent to collections first? ... please help.

opening someones account 
can a debt collecter open account under your name and also state you made payment to credit report

Default judgement 2 yrs old, it wasn't me that was served? 
I have a medical bill in collections. The agency got a default judgement against me. I did have my wages garnished but I earn very little. I have paid …

11 Year Old Outstanding Electric Bill 
My local electric company, Muscle Shoals, Alabama, says I owe $484 from an 11 year old past due bill. I was never aware this bill exist. Can they still …

How should I deal with a University debt? 
The university I attended for a semester back in 2007 is now demanding payment on the account of nearly $11,000. At least 2-3 thousand of this amount is …

car loan 
I'm in chap.13, but my car loan has been settled separate now the account is closed. If I keep paying my car loan, will the car still be repossed?

Student Loans - Third Party Debt Collector - Can I file Bankruptcy? 
If my student loans are now in the hands of a third party debt collector, can I file bankruptcy?

received a summons to appear in court. for owing a credit card 8000.00 what can they do and take 
I AM VERY STRESSED OVER THIS AND NEED TO KNOW CAN A CREDIT CARD COMPANY ACTUALLY SUE ME IN COURT? WHAT CAN THEY TAKE FROM ME, CAN THEY GET INTO MY BANK …

debt of my mother 
I have power of attorney for my mom and pay her bills. the credit card co. are now saying if my mom has no money to pay the bill can be held responsible …

social security 
can your social security be garnished to pay a debt?

Can Husband's paycheck be garnished for my student loan debt? 
I have roughly $5,000 in debt for a small student loan that is almost 3 years old. I received a phone call yesterday from an attorney, saying that they …

Name off of Mobile Home 
I am trying to get my name off a mobile home that was repossessed in 2003. I bought a mobile on April 4, 1995 and was living in the trailer until February …

lost track of all my creditors 
I lost track of all my creditors, my doughter threw away all my old mail and I have some creditors sending me to collection but I don't know who they are …

Trying to settle a debt. 
We tried to pay a debt that is in collections. When we called to settle, bank of america said they sold it snd gave us their agency info. We called them …

Joint bank account  
I'm 17 and I live in Nebraska. I opened a bank account and I had to have a jointly owned account with my mom since I am a minor. My mom owes money to General …

Spouse checking account 
I live in Ohio and have several unpaid debts that were incurred before our marriage. Can my creditors garnish her bank account to pay for my old debt? …

Cell Phone Bill 
I had a bill for 900 dollars that my cell phone company racked up and didn't tell me about until it went to collections, it happened in December of 2007 …

a judgment was awarded against me but I was not given notice to appear in court to state my defense 
Can I be sued and have a judgement filed against me when I was not notified of the court proceedings.

Homeowners Association 
Can a home owners association sue me in small claims court in the state of Missouri? I am currently behind in my annual dues and a special assessment …

Creditor Claims I broke temp 3 month agreement  
I confessed judgment on a medical bill I owed. Sit down with the creditor to discuss payments. I told them I could only afford $25 per month, but if I …

Can a Law firm run yourn credit from a judgement 9 years ago?  
On November 2003 I was issued a civil judgment for $1500 for credit card company in the 48th district court in Michigan. I never paid the suit over the …

civil court order says i dont owe. 
i have a civil court order that says i dont owe my ex wifes bad personal loan that im a co sighner on , should this come off my credit report or does the …

serving papers at work 
can you be served papers at work if you tell them your work wont allow it. This is from an old credit card debt

after wages are being garnished can they raise how much you owe? 
After a judgement is against you and they are garnishing your checks and tell you you owe 1300 dollars can they then say you owe 1500 after you payed 1300? …

Can an employer hold me responsible for penalties from not garnishing my wage? 
There was a wage garnishment to be held against me, but my employer never did it. They received a summons to explain why they didn't garnish and the court …

Bank Account 
I owe $97.00 at chase bank, and I want to open an account at Capital One to pay the money back. will I be able to open the other account?

Installment Agreement Paid and Still Sent to Collections By Utility Company 
I moved to NC from NYC and had to close my account with my gas company, National Grid/Keyspan. Since I'd been on Balanced Billing to help manage my payments …

reposession and taxes 
My husband went through a pretty rough divorce a few years back and he left everything to his ex wife. Including a car that was in his name. She didn't …

Debts after divorce 
Im living in washington state im getting divorce with my husband i just a got a bill from collections on my name from a hospital. I went to the hospital …

Outstanding balance because of Eviction 
I was evicted from an apartment that I lived in with a room mate in August of 2010. The apartment complex management did not submit the paper work saying …

Do I still owe it? 
I co-signed a Sallie Mae student loan for my son a few years back. In May of this year I talked to the collection company they had assigned to the debt …

PAY A DEBT 
Hi, listed on my credit report is Credit Management services: 17070 Dallas Pway texas 75248 I twice wrote a letter to them and twice go it back, …

I don't know where to send it...? 
I'm trying to clean up my credit and I have 6 Old Collections Accounts and I've written my Goodwill Letter but I'm not sure where I have to send them. …

Wage Garnishment for estrange husband 
Me and my estrange husband have been separted for a very long time. I have not done any filing for legal separation for divorce. The City of Phoenix …

car loan sold to collection agency 
my car loan was recently sold to a collection agency. I am 15 days late on my payment. can it get repossessed?

Amount of Debt Collection 
My husband and I are trying to buy a house, but are being told that we do not qualify because we can't have a collection on our credit for over 12 months. …

interest on credit card debt 
we owe 15000.00 in credit card debt and have been making minimal payments. one credit card has a judgment and the other 2 are with an attorney collecting …

Debt collector says I owe $34,414. . .Creditor says $9,592 
According to my Experian credit report, a credit card account was "charged off" and $28,385 was "written off". "Past Due" was $9,592. I just received …

Paying a mediator. 
I recently was in marital mediation. I recieved a bill in the mail for my part of mediation which was $220. I paid $30 on the bill right away. The next …

can loan companies collect in person? 
Can a loan company employee come to your home for collection? Reply from DebtCollectionAnswers.com: Janet - the Fair Debt Collection Practices …

Can the collector take $$ from the bank? 
I have a loan that was recently sent to a collection agency. The loan company agreed to go into settlement and pay only a small fee but I did not have …

Can my credit union take my children's child support money to collect someone elses debt? 
I am disabled and have been banking at the same bank for almost 9 years. I added my fiance to my account last month to help with getting my kids and myself …

Past Due Credit Card 
Can my bank foreclose on my house when I have never missed a payment, but have a credit card through the same bank that is past due? Reply from DebtCollectionAnswers …

DOUBLE DIPPING 
I HAD A CREDIT CARD THAT I AM SURE I PAID OFF DIDNT KEEP ANY INFO BUT NOW 11 YEARS LATER THERE COMING AFTER ME AGAIN. IS THERE ANY WAY i CAN PROVE THIS …

Contacting a Debt Collector 
I am trying to contact Metropolitan Educational Enterprises Inc. because on my credit report it has me as owing them $1200. I got three numbers to call …

My student loan now has a 3rd party debt collector involved... 
I have 2 questions: 1) If I ask for verification from that 3rd party debt collector and they take over 30 days to respond, does that mean anything for …

Payment arrangement 
Hi Can you give me some advice. I have a personal loan and the last couple of month have gotten harder. I have fell a couple of months behind on my …

do i need to pay the debt collector when i made an agreement with the creditor 
Hi i cancelled an aol account before my contract was due to expire. they advised me i had to pay a fee of which i agreed with aol to settle at 20.00 …

credit check 
i have debt from mobile phone companys but havent been to court over them will i pass credit checktop move into a new property?

Amp'd mobile 
In April 2007 I signed up with amp'd mobile for their cell phone service. Two months after I got the service they went out of business and filed bankruptcy. …

Do I have to pay back collection if I never used the equipment? 
I owe money for Gold Gym but I never used my membership? now I have to payback, Do I still have to pay back if i never used the membership?

WAGE ATT 1? 
Hello...I work for UPS..last week was the frist time I notice a WAGE ATT 1 on my check stub in the deductions..for $44.54..I went to my HR office they're …

Capital One won't take settlement for debt Can we sue THEM? 
We entered debt settlement in 2009 with 40K in debt. Thomassen Law Group has been wonderful in helping us settle all but two credit card debts. These are …

can my wife's debt collection affect my tax return and credit? 
My wife had 3 hospital bills that she hadn't paid before we got marry. She currently doesnt have a job and shes not able to afford to pay any of those …

Am I responsible for taxes or not? 
I am an Ohio resident who has co-signed for my brother on a fractional interest in Florida. He has since foreclosed and I am trying to reach a settlement …

they took to much!!!!!! 
what happens when you make arrangments to withdraw funds to settle an account, and they settled for a lower amount to settle the dispute and take both …

did they violate the fdcpa 
If my first contact with a junk debt collector (portfolio recovery associates) was a summons and complaint, which I've answered, doesn't that violate the …

Being sued for unpaid debts in California 
My husband was on disability for almost a year and couldn't make his credit card payments it has been almost four years he still is struggling with other …

Debt Collection 
Can a debt collector come onto your private property? I live in a community where there is a sign upon entering that states No Soliciting.

student loan I co-signed 
when I was with an ex bf he had me sign a piece of paper stating it was for emergency contact information, come to find out it was for co-signing his student …

evicted from a house ten years ago and now they are taking it straight from my check  
I lived in a house ten years ago and failed to pay rent. I moved out and now they are taking the money from my check.I live in California and it was already …

Collection agency given un billed debt 
I was in an auto accident and was uninsured. I paid both drivers directly for their personnel losses and expenses. I struck twp parked vehicles, I paid …

12 year old debt 
can a collection agency collect on a debt over 12 years old

Furniture Recovery 
I had purchased furniture from a store in Florida costing $5000. Since that time I had lost my job so I couldn't make the regular payments on the items. …

debt collection after bankruptcy 
got a cc after filing bankruptcy, now cc co is asking to settle on a debt i did not pay.

Received collection letter from law office regarding wells fargo bank account 
I received a letter yesterday regarding a bank account in 2008 that was closed due to being overdrawn $759. The law office is advising that I need to respond …

Indiana law - unsecured credit card payment default 
Hello, I have a number of unsecured credit cards with large, unpaid balances. I make $12 an hour, however, I have a mortgage, 2 children and many other …

19 YEAR OLD JUDGEMENT 
CAN MY WAGES BE LEGALLY GARNISHEED FOR A 19 YEAR OLD JUDGEMENT? THE ACTUAL DEBT OCCURRED EVEN EARLIER THAN 19 YRS AGO AND WAS SUPPOSED TO BE SETTLED IN …

Can a Law Firm be both a debt collector and legal representative? 
Can a law firm attempt to collect a debt, acknowledging that they are a debt collector and then enter suit for the alleged creditor on the same issue?

debt before marriage!?!?!?!?! 
I live in South Carolina. My boyfriend has a charge off loan and a truck repossession on his credit from loss of work last year in the recession. I was …

Car repo 
My boyfriend had his truch repo and he owe over 6,000.00 on it, this was back in 2008. Can they garnish his wages since he finally got a job??? We live …

Storage Business Threatning Collection without Any Proof of Debt 
A storage company where I once stored my personal property also provides storage for RVs. An abandonded RV was offered to me for free. The owner of the …

Bancruptcy or settlement? 
I have an old debts on my credit cards I used the settlement company to settle all my credit cards but I got sick and not able to pay my monthly payment …

am I judgement proof 
I am 73 and totally disabled. My wife has a summons for court for a credit card bill. I had a credit card with them before. An attorney told us we were …

Garnishments 
I have a judgement on truck we had to let go for 7,000 and I'm they only one working and I only make anywhere from 200 to 300 bi weekly can they take money …

U.S customs 
A collector called a friend of mine , saying that I needed to contact them in 24 hrs, if I didnt they were going to serve me with papers. Since I'm out …

No Job 
I was issued a court order for a credit card bill for $1200 civil suit. I have no job to pay this back. What will happen when I go to court and what is …

Giving account information to a collection agency 
Can a collection agency take more money than had been originally agreed upon? How do I stop this from happening?

Paid Collection Agency and Original Debtor - How to get part of my money back? 
I recently paid off several bills that went to debt collections. Without paying attention I sent a check to the debt collector and the original company …

car repo 
my car got repo 3 months ago and i need a cosigner for a new car if i have a cosigner will the interest rate be high?

Credit reporting and a past due debt 
IS IT LEGAL FOR A CREDITOR TO ONLY REPORT NEGATIVE INFORMATION ON ONE DEBTOR INSTEAD OF BOTH PARTIES. IF THE OTHER PARTY WAS THE BORROWER AND I WAS THE …

Very old debt 
Hi, we recently started the process of refinancing our mortgage because interest rates are so low. While looking over the loan application I saw a debt …

judgmemt  
I sign for my daughter to buy a car. 1st payment was 11-19-2001 she made 11 payments and let it go back.They put a judgment on me 6-16-2003.tring to buy …

collecting full balance on a contract 
I had a contract with a food delivery service in Las Vegas I was a month behind on paying them when I moved to California when I notified them I was moving …

Default Judgment from Person 
My husband was sued by a person and at the time, we lived in another state and so he didn't appear in court and the person won by default judgment. So …

Legal Restitution & Retirement Account 
I have a legal financial obligation in Spokane County in the State of Washington due to a felony conviction. I have been paying $150 every month on the …

can the mta sue me for my ssi 
can the mta sue me for my ssi check

pay day loan 
can u go to jail for not paying ur pay day loan

I broke my lease.  
I am on Social Security and a pension, can they be garnished? I broke my lease and moved out of my apartment before the lease ended.

Time allotment before you get transferred to a collector 
How long must a company or apartment complex hold onto your account before it gets sent to collections? Do they have to provide notices before they send …

unpaid nursing home debt. 
can the nursing home force my brothers to sell my deceased fathers home, deed is in their names and they are living in home. i was the poa. for my dad. …

Is it over 
I received a summons from dept collector and responded within the time allowed,certified signature required, it's been over a month and I have not received …

Can I get bad credit from subscribing a magazine? 
I got a free first issue from cosmo but then I didn't want anymore but I forgot about it then they kept sending me a bill to pay, but then I just thought …

Bills received at my place of employment 
I live in New York State and recently received a medical bill at my place of employment. The name on the outside of the envelope was the doctors name …

Debt to an attorney 
I owe a balance to my attorney that settled my case in traffic court. Can he come to my house to collect his balance?

If i have a contract and dont pay what happens 
I signed up for a personal trainer and never got treated the way i thought i should for the 100 a month. I was suppose to recieve a food and exersice outline …

what if debt collection does not validate debt completely 
Debt collection sent in debt validation with only, account no. original creditor, and bal. with letter head from there company--------- …

HOA collection fees 
I live in the state of Texas. Due to some financial difficulties I had a hard time paying bills, one being my HOA dues. I received a letter from a lawyer …

payment plans 
IRS won't let me set up a payment plan for my 2009 taxes that I just got done, when I have a payment plan set up already for the taxes I do owe, Why is …

if collection compnay is legal to collect in state of washington 
I have receieved several letters to collect a debt from: National Credit Solutions, LLC PO BOX 15779 Oklahoma City, OK 73155-0779 #800-384-0585 …

.I'M ON DISABILITY HOW CAN I CLEAR MY CREDIT? 
I'M ON DISABILITY HOW CAN I CLEAR MY CREDIT?

Bill the right party 
If an individual is billed incorrectly by a tax assessor and pays the bill. The individual that should have been billed wasn't. To whom does the payor …

calls about parents debt 
I keep getting calls about my parents credit cards they are both in a nursing home . There is no money to pay the bill .

being billed for an item that was already settled 
Last year I went to Lincare to get a nebulizer for my son. They were to bill the insurance company. But the person that filled out the paperwork checked …

Defaulted student loans 
Can collection agency take your car if it's your sole transportation?

Am I responsible for sibling's debt? 
My sister was renting our mother's house. She moved out and now I'm moving in. I went to have the electricity and water connected (they are bundled here), …

Debt Collection Agency considering court 
Hi! We have two people trying to collect money from us. One company (we were military and moved out early, due to my husband getting early separation from …

I'm being sued for an old debt 
I live in Louisiana. On 11/05/07 I received a petition stating I'm being sued for $4400.00. The petition allowed me 15 days to answer. I sent a certified …

Do They Have to Inform Us of a Repossession? 
WE LIVE IN OREGON, AND GOT BEHIND ON OUR CAR PAYMENTS (2 PAYMENTS BEHIND). WE ARE GOING TO PAY IT BEFORE IT'S 3 PAYMENTS LATE. DO THEY HAVE TO TELL …

Debt Collector Harassment  
I had a debt collector call and tell me I owed money on a charged off account that I was unaware there was still a balance on, I gave them my debit card …

Apartment debt 
If i am paying off an apartment that i owe will other apartments rent to me if they see im taking care of my past apt debts?

Need additional explanations on Schedule J. 
I have begun the process of filing for bankruptcy. Unfortunately, the Schedule J will determine whether I am eligible to file for Chapter 7, or if I must …

PayDay Fake Loan Collectors Scam 
I recently receive calls from such nefarious scammers. They stated they were going to open a warrant out for my arrest, and was going to call my employer, …

Can a debt collector sue my husband for his ex-wife's auto loan for which he cosigned 
My husband cosigned for an auto loan for his ex wife in 1996. She stopped making payments in 2000 after the divorce and it was repossessed and sold at …

Letter from Lawyer Regarding Cell Phone Debt 
I recently received a letter from an Attorney's office stating they are collecting a debt for Sprint. I also with in on week get a call from my father …

What is the Statute of Limitations in Tennessee for debt lawsuits 
I purchased a sofa approximately 10 years ago. I paid on the sofa and then remarried. My husband advised me that he was taking care of this and I assumed …

Credit Card Company Sues You 
A credit card company turns your account over to a collection agency to collect. Can they sue you and take your SSI chech money?

Debt too old? 
I have a company saying I owe a bill for a cell phone back in 2001. I did not have a cell phone from that company, but my question is that I live in Indiana …

Payment arrangement 
I have set up a monthly payment arrangment with a debt collection agency to pay down some debt on student loans. For a period of time, that sufficed and …

Debt Collection and a Corporation 
I have an unpaid credit card debt of $20,000.00 for about 5 to 7 years. I would like to open a corporation. Could my debtors sue my corporation? Thank …

Wage Benefit from Auto Policy 
I am receiving a wage benefit of $5,000.00 for lost wages due to a auto accident. Do I have to give this money to my chapter 13 Trustee?

debt from 2004 
I have a medical debt from 2001 and it was sent to collections for non payment. The last attempt by the collection agency was in 2004. I am wondering if …

Reporting late fees to credit bureaus 
I just spoke with an office manager about a bill for $12.81 from a visit back in March 2011 that I inadvertantly did not pay becaue I thought the bill …

Credit card company going after me. I did not sign for card, 
Ok we opened a bank account together. He went and opened a credit card that I never signed for. Why, and how are they going after me?

My name placed on dead father's mortgage. 
My father died on November first. I was supposed to inherit his half of the property that he and my mother owned. He had gotten an SBA loan after Hurricane …

held liable for spouses debt on a car loan 
my husband had a car loan and the car was totaled and there was a balance of 1900.00 and he is sick and no longer employed, can I be held liable for his …

Florida Credit Card Debt 
I was issued a credit card from WAMU when I resided in Florida in 2009. I was laid off from my job for two years 2009-2011 so I couldn't pay. I moved to …

I let my friend use my credit for a phone 
I let my friend use my credit to get a cell phone 3 years ago, and two years later I start getting mail from a debt collection agency saying that money …

Bill for work at my home I did not authorize 
March 24 ,2011. A waterhose that leads to the dishwasher erupted around 4am. I got up at 6am and saw the leak. I called my insurance company.At about 11am …

Bankruptcy after spouses death 
If my spouse dies, I will not be able to afford all our debt. If I go bankrupt, can they take the life insurance money to pay the debts?

my car was seized 
I owe money to Dort Federal credit union. How do I get my car back?

Being sued. What should I do? 
I have had seven 3rd party debt collectors try to collect over $800 from me since 2007. Have a merit trial 11/11 and they are the only ones that have …

payday loans 
I never received a payday loan and yet a debt collector is calling me and threatning me with sheriffs coming to my job or home with papers to take me to …

social security disability says I owe money 
My husband died in 2001 and at that time I had 2 teenaged children who received his social security benefits. My son continued in school past the age …

What does it mean when my account is listed as "Inactive"? 
Two years ago I went through a divorce, leading to the foreclosure of our home in Arizona. We had both a first and second mortgage. Both used for the initial …

National Credit Audit Corporation 
I paid an amount to the collection agency for a lease break on an apartment that was not fully functional. I put on the check "Paid in Full satisfaction …

loan hurting my credit 
I had a loan 3 years ago that I had never paid off. The balance is $500. Is it hurting my credit tremendously

NOTIFIED BY PHONE OF SUMMON 
I WAS NOTIFIED BY PHONE THAT I AM BEING SUED.IT WAS LEFT ON MY ANSWERING MACHINE.THEY SAID THEY WOULD BE OUT TO SERVE ME ON OR ABOUT THE 22TH OD SEPT. …

collection fees 
how much can a collection agency add in fees to collect a bill I am just getting from 14 months ago ??? The check was for $ 21.39 and they want me to …

Jobless, can they take money from my bank account ? 
Hi, Here is my situation. I lost my job and I have a lot of debt, but I can't pay any of it, because I don't know how long (if) it will take me to get …

Trying to settle debt 
We have trying to settle over a Captial One bill, the debt is now in a Law Office Collection Agency in our local area, everytime we make an offer the …

Power of Attorney Incurred Debt 
The former Power of Attorney for my grandfater incurred about 30,000 in debt on three different credit cards. My grandfather is mentally diabled and could …

leaving country with unpaid credit card debt 
what if i leave the country with unpaid credit card debt

student loan 
If I pay half of my loan monthly, (cause I cant afford the entire payment and I told them this) can they keep harassing me and take my income tax check. …

Responsible for unauthorized property tax payment? 
I received a letter from BAC Tax Services stating that they mistakenly paid my property taxes ($3040.26) back when I still owned my Oceanside, California …

bank garnishment 
I have been paying a bill monthly that was court ordered. For about two years. Eventhough I have been paying monthly the debtcollector went into my bank …

Utility Bill in Collections 
What can I do if I need to put a utilities bill in my name but I already have a utilities bill in my name that went to collections

9 year old debt resurfaced 
I have a debt from 2002 that fell off of my credit report in 2009 that a new debt collection agency is now sending me letters to pay for it. The debt …

HOA bank garnishment 
Can HOA garnish your bank account, if your no longer on the home title and also if the home went on foreclosure after you are not on the title?

Divide debt between lease holders 
I've been giving my roommate rent payments for 2 years without a problem. Recently he took off leaving me with 4 months rent to pay. We are both lease …

SourceGas Wyoming 
I recently returned to live in Wyoming within the last month. I called Sept 2011 to have my gas turned on at my new place of residence. When I called, …

bank garnishing savings for non payment of a loan i co signed  
I was never told by the bank that my friend defaulted a loan I co-signed for him. Now the bank garnished my savings account. What can I do?

Filing a Lien on Co-signer for default 
I live in Texas & own my home. In 2001, I signed on a loan with my grandson for a new mobile home. The mobile home was repossed in Sept 2006 & sold on …

Bill at collections 
Can I send the original payment to the company if the bill is already at collections? It's two years old&now that it has gone to collections it has doubled&then …

Can my creditors take my house? 
I have nearly $100k in credit card debt on 10 different cards. I own a house that I live in with my wife but she is not on title. If my creditors win …

Responsible if your debt is sold? 
I was wondering if your debt is sold to another collection agency are you still responsible to pay the debt.There is a company called Chad Steur Law(claiming …

Requesting copy of personal records 
Am I within my rights to demand that a debt collection agency provide me with a copy (hard/electronic) of all of the records they have on file for me? …

I just found out I have a default judgment from 2005 
I recently discovered I have a default judgment in virginia from 2005 for under $2,000. I am guessing it is a credit card debt that I had when I was married …

Voice mail messages from American Associates 
I received a voicemail from a woman named Leslie Olsen saying that she was trying to get my address for a process server to serve me a court summons for …

Debt Collector cashing my checks late. 
I have in writing from the Debt Collector on what dates my money would be taken out from my bank account and the amount. As of now they are 1 month behind …

What happens if you use a deceased person's card after their death? 
I'm looking for answers regarding New York State law governing deceased's debt & use of their credit cards/utility accounts after their death. Their estate …

In Process of Divorce-PA 
Spouse and I are in the midst of divorce. It's been 3 1/2 yrs. We had a Master's Hearing in June 2011. During this hearing Ex stated that he has had …

Student Loan Debt  
I owe student loans and have been hiding in Mobile, Alabama. I just recieved inheritence and want solve this problem

Can a law firm sue me for credit card debt? 
A judgment was filed againist me in Harris county Texas case #1000323 on 09/09/2011, wha t can they do to me and what can i do to fix this? …

I Settled My Capital One Debts But It Doesn’t Show That On My Credit Report 
The following guest post is from Steve Rhode who is a consumer debt expert and helps people for free to learn how to get out of debt and avoid scams. …

Attorney only account 
I am represented by an attorney. I informed the collection agent about the same and gave him my attorney's name and number. He offered me a settlement …

My name on someone elses bill 
I live in Connecticut about 2-3 years ago I had moved out of my moms house to my boyfriend's. A few months later my mom had gotten a notice about her power …

Can credit card companies sue me? 
i get a widow check, my husband was in the air force. can credit card compsnies sue me ?

Payment Protection Plan Issue 
I opened a Capitol One CC in 2004 while on Active Duty. The limit was $500, I added payment protection ($1/$100 balance). In 2005 I was medically retired …

navy sign on bonus and bankruptcy 
Im needing to file bankruptcy all is straight forward except this dod bonus i owe 4000 can i include this in bankruptcy?

comcast 
when i signed for the initial connection with comcast did i give them permission to call me at work?

Electric company transferring old balance to new acct? 
I have an outstanding balance from January 2009 with my elecric company for 410 dollars. I live in Pennsylvania I moved and turned on new service and have …

Credit Card Debt 
How many years in the State of Oklahoma can one person go with out paying on a credit card until they are not obligated to pay it?

Going after the cosigner 
hello my father started a business in 2007 and i became an employee of this business i co-signed a credit card for my fathers business when i was 20 i …

Legal amount of time for ex-spouse to have name removed from vehicle  
I separated from my ex on August 24, 2009 in San Diego, CA. It was a cut and dry separation, only thing between us was an auto loan. Divorced was finalized …

Interest on Judgment 
I was garnished and paid interest that was attached to the garnishment. Then after I paid it off I got a letter from the attorneys who entered the judgement …

Iowa statute of limitations for debt 
I have numerous consumer debts in Iowa, how long can creditor sue me?

Summoned in a civil debt matter during travel 
I have private school loans that are quite old. I defaulted on them with the original creditor and they went to an attorney for collections. I have been …

Can Social Security and Small Pension Be Garnished? 
If a creditor gets a default judgement against my 88 year old mother, can they garnish her social security and small pension from my dad's job?

Can Conn's appliance store sue me over a defective telivision set that is now in their possession? 
I purchased a Toshiba 42 inch television from Conn's in Houston Texas in February 2009. The Television just stopped working in May 2011. The store stated …

Tax Debt 
My husband abandoned me and our kids with his tax bill, now IRS is taking the money from me and my kids, Can you tell me what I can do to stop this,

Auto lein and credit card 
We have a credit card and car loan through our bank. We owe $5000 on the credit card. We paid the car off, but they never sent us the title. They are now …

$60,000 in Amex debt 
Hello, my 21 yr old son was recently laid off from a company who supplied him with a credit card, which he directly pays to Amex..they did not ask for …

Lien On Home 
How can I find out if their is a lien on my home in Michigan?

Wage Garnishment for Unpaid Court Fine 
I live in washington state an I have a collections agency garnishing my wages for a court fine from 2003. Its 2011? Is there a statute of limitations for …

Orthodontist Bill 
We are residents of CA. 3 years ago, my daughter saw an orthodontist in New York (where she attends school) for a checkup after having her wisdom teeth …

Owe money on a leased vehicle I turned in 
I have a situation that I need free legal advice on. I live in MICHIGAN. Back in May of 2011, I turned in my leased vehicle. I was WAY over mileage which …

Am I liable for a bill that is eight years old 
Am I liable for a bill that is eight years old in state of NJ and has been sold to a collection agency?

Credit card debt reappears after bankruptcy 
a credit card debt was included in my bankruptcy. The credit card company merged with another big bank and suddenly the debt reappeared. It has been sold …

Reaffirming car loan in bankruptcy and car loan fees 
my car loan was included in my bankruptcy. I did not reafirm the debt, but I did continue payments. I have paid off the car and have the title. But in …

Must I pay a 15 year old debt? 
I have recently been hassled by multiple phone calls from a debt collection agency. Apparently this is about a 15 year old debt, made under my former …

My husband has been sued by credit card company. 
My husband entered into an agreement with HSBC to make installment payments for a debt. I'm not sure if the agreement was a verbal or written. My husband …

Can I Amend My Chapter 13 to Add a Car Repair Bill? 
just filed chapter 13. have not met with creditors. i want too amend my 13 chapter. for a car repair bill overcharged.holding my car hostage. can i add …

Wage Garnishment 
How can I find out how much is left to pay on a garnishment?

Creditor Denied Wage Garnishment but.... 
A creditor has a judgement against me. They tried to garnish my wages but a judge ruled against them citing we need our income for supporting our family. …

Can't Catch Up With Credit Card Payments 
I have been unable to pay my credit card bills since February 2011. I was out on UNPAID Maternity leave and got behind. I was paying on time before. I …

Should we settle or ignore a debt collection account? 
In May 2008 I left a lease without notice because there was neglected maintenance and water damage. A collection agency contacted me a few months later …

Refund Check From Unpaid Collector 
My husband and I owe a credit card company approximately $2,600.00. We had paid the debt collector representing the credit card company previously October …

"tenancy by the entirety" to protect property 
I have been served a civil summons for a debit. The summons does NOT have a court date, only an answer sheet. I have 30 days to respond to the summons …

Can My Husband's Wages Be Garnished? 
i am unemployed and have a judgement from a hospital bill, can they garnish my husbands paycheck for my bill that is only in my name?

TIme Share Contract 
I am attempting to have a contract voided based on the sellers fraudulent claims. This is a contract entered into in Nevada; the corporate office in Florida …

Owe Money Because I Broke My Lease 
I broke my apt lease b/c I lost my job and moved to another state,and I wasnt able to buyout the lease .the apt send me a letter telling me that I owe …

High Interest on Furniture Loan 
Is there anyway we can get out of this high interest of the furniture payment? I've tried to get low interest credit cards to pay this thing off but won't …

Can My Motorcycle Be Taken Away? 
Im in california-My friend's name is on the pink slip along with my name after his, his address is listed. I am filing a chapter 7 bankruptcy because I …

Sued by Bank  
I have being sued by wells Fargo bank for a foreclosed property which had a equity line for 280000 dollars how do I protect myself against this

Student Loan Debt If I Die 
If my mother cosigned a student loan for me and I were to die unexpectedly, would she still be responsible for my debt? If she took out a life insurance …

Do I Need to Respond to an Order to Show Cause?  
Do I need to respond to an order to show cause regarding a credit card lawsuit? Thanks.

Getting a judgment vacated  
How can I get a credit card judgement against my deceased husband vacated. He had nothing to probate and the house is jointly owned and has a mortgage …

Friend Loaned Me Money  
I live ca, I borrowed money from a friend and we made arrangments for me to back her back as often as i could and as much as i could with in one year, …

Can Other Car Be Taken To Satisfy a Deficiency 
Can the bank take my other vehicle, which I own outright,if I can not pay the deficiency?

Collector Trying to Collect Settled Debt 
i have had a credt collecter asking for paymenr but credit file say settled on credit file but still owe the money it state settled in 2007 and now after …

Sued for a Credit Card Debt  
WHAT DO I DO IF I AM CALLED TO APPEAR IN COURT FOR A CREDIT CARD DEBT?

Can A Collection Agency Put A Collection On My Credit For A Verbal Lease I Did Not Agree To  
I have been placed in collection for not living out a verbal lease that i never agreed to. My original lease was over in 9/2010, i notified the apartment …

Windstream Services 
I ordered a "bundle pack" form windstream to include telephone, cable and internet. However, when the installation date came they turned the service on …

Do I Still Owe a Debt if a Debt Buyer Owns It Now? 
In Florida if a collection agency buys a debt, am I still responsible for the debt

Vacating a Judgement 
My husband had a judgement against him for a credit card in his name only and he is now deceased and has nothing to probate. How can I get the judgement …

I owe my ex husband the equity in our home 
In my divorce decree i was ordered to pay my ex-husband half of the equity in our home. It is now past due. I'm trying to get a loan to pay him but with …

Debt Collectors and Credit Report 
How often can a debt collector check my credit report?

Company With Expired License Still Collecting Debts 
Accordind to colorado state attorneys site their debt collection license has expired and has not been renewed. Why are they still harassing people and …

I Paid Off Debt in Full But Lawyer Says I Owe More! 
I had a bill from a dr. it went default and an attorney was put on my back to collect, he even summoned me to court which I failed to appear to... However …

Husbands debt, wifes responsible 
Ok, so my husband is in about $3,000.00 in debt, how would collectors come after me? This debt is his own and things he charged up and he doesnt know …

How Long Can a Debt Be Collected? 
what is my states law on how long a bill collector can try to collect on a bill I heard after seven years they can no longer collect on a bill?

Repossesion 
I got a car that was a lemon, I put it on bankruptcy. It hasn't ran in months so I took it off bankruptcy. Now the car dealer is telling me if I don't …

Repossesion on Home 
is there anything i can do to stop the repossesion even though iv spoke to the lender and they refused

Will I Have to Pay Taxes on a Debt in Collections That I Pay Off? 
I've heard that I will have to pay taxes on the difference of my settled debt. Does this also apply when the debt is sold to a collection agency and then …

Debt collector Does Not Respond to Request for Verification of Debt 
If i sent a letter to a debt collector requesting documentation and they dont respond what can I do?

Garnishment of Wages in Michigan 
I have a judgement against me on a Providian credit card. The judgement happened 2/2007 today I receive the garnishment papers and there is 3 years of …

Do I Have to Pay a Ten Year Old Phone Bill 
I live in Florida and have just been contacted 8/20/2011 about a verizon house phone bill from 2001 -2003that has not been paid and have been instructed …

Default Judgment 
In Florida, if I have a default judgement against me and a car paid for free and clear in my name. Can I add a name on the title or change the name on …

Can My Social Security Income be Garnished? 
I am retired and live in Southeast Asia and my ONLY income is from Social Security Retirement Benefit which is direct deposited in my bank account here …

Fiance's Student Loans and Child Support Obligation 
When I marry my fiance will I be responsible for his student loans? Also he has child support will my income be considered?

Can Debt Collector Sue Me for a Five Year Old Debt? 
Can a debt collection agency sue me after 5 years?

Responsible for an Old Debt? 
My hubby has a debt from 2001 is he still responsible?

Debt Collector Won't Accept My Payment Offer 
I owed $850 since december, I was making payments of $116 but I couln'd payed anymore,a debt collector call yesterday and told me the I have to pay the …

What Will Happen if I Default on My Furniture Loan? 
What happens if I get furniture financed and than leave and don't pay the furniture but don't return it either? What is the worst that will happen?

Power Company Wants Me To Pay Old Bill in My Name 
I had a gas bill under my name over 12 years ago. I moved out of the residence in which I was receiving the gas service but my former roommate and whomever …

I'm a Joint Account Holder on My Ex Girlfriend's Account. 
My ex girlfriend asked me to co-sign for her a credit care account for dental work. We are not together anymore and I was recently informed that the account …

Adult Children Shared Debt 
Hello -- If I have an unused credit card and bank account with an adult son, does that imply that I could be liable for another debt like a lawsuit? …

Can Collector Try to Collect From Me. I Lived Up to Agreement. 
I was turned over to a collection agency for a lease I was on with an ex. The amount turned over was over seven thousand dollars, it was agreed upon by …

Taking Tax Refund to Pay Past Due Child Support 
Will my tax refund get taken for owing back child support I am currently paying on it I only owe like $1200.00 and I am not ordered to pay anymore. Me …

Bank Sells My Debt to Collection Agency. Can I Be Sued?  
If a collection agency is bugging me can I be sure I can no longer be sued by bank? Can only the original lender can sue you? So if they sell it to an …

Debt Collector Still Calling After I Tell Him to Stop 
I notified REDLINE not to call again via certified mail.. They still call how can I collect the $1000 fine? Thanks

Cannot Pay My Title Loan  
I live in the state of Wisconsin and took out a title loan in the end of 2010. After some eliminations at my place of employments I was unable to satisfy …

Statute of Limitations on Credit Card Debt 
Hi, I am 21 and have been having credit trouble for about two years. I owe 2 companies (US Bank and CitiCards). I have not signed or agreed to anything …

Handling Late Fees Owed on Car Loan 
I have 3months left on my car payments. When i make the last payment i will still owe about 1800 dollars in late fees. The reason being i was paying off …

Being Sued by Bank 
I had a checking account with US Bank in 2008 that I had borrowed $500 "andvance directive" from, due to being on maternity leave and had no income coming …

Can I Be Sued and Have My Wages Garnished While I Am Deployed? 
Well I found out I had a court date while I was on deployment and now they are trying to garnish my wages and I am still on deployment. I was not able …

Debt Collectors Threatening to Garnish Wages 
I keep getting phone calls from debt collectors saying they are going to garnish my wages if i do not pay or go on a payment plan. I live in Washington …

Debt collector Wants Me to Pay Debt From My Former Marriage 
I live in Georgia. About 13 years ago I co-signed for a car for my husband. He was injured later that year and was unable to work. I couldn't pay the debt …

Utility Wants Me to Pay Very Old Debt 
I've been with my power company for over 2 years now and they just put on my recent bill an old debt of $268 they claim is mine from 1997. It's been 14 …

Being Asked to Pay a Cable Bill I Don't Think I Owe 
Long story short, I originally had an account with Comcast for cable service up until March 2009 in Sunnyvale, CA. I moved to a different residence in …

Default Judgment 
we just found out that we have a judgment against us for a credit card. The judgment was apparanetly granted in 2001 and reinstated this year 2011. I was …

Ex-Wife Created Debt During Couple's Separation 
My son's now exwife created a debt in his name without his knowledge during their separation. They have been separated since 2005 and living in different …

Credit Card Company Says I Must Pay Account Balance By End of Month. 
Thank you for responding, if someone does... I have been in debt since October of last year. That is, I STOPPED making payments last October because …

Judgment Against Me, But I Was Not Served 
How much time do I have to protect myself from a debt collector suing me. The debt collector filed a suit against me June 2008, they the servicer claimed …

I am disabled and cannot pay my debts 
Several months ago I had an accident and have been 100% disabled and actually got my Social Security Disability on the first try.I have tried to pay …

I did not include a debt in my bankruptcy 
I was discharged for a no fault chapter 7. I asked my lawyer what happeneds if I didn't know I owed some one money and it was not filed under my bankruptcyand …

Execution Against Goods and Chattels From State of NJ Special Civil Court 
I received a letter from my bank which stated they received a legal document from the courts in the amount 0f $4300. Now I wanted to know can they come …

Debt Collection Agency Wants Its Fee 
10-18-10 I went to Valley View Foot and Ankle Center in Ada, Ok. I have Health Choice Ins. (I work in an OK. public school system) I paid $58.50 at the …

Wages Being Garnished for Social Security Overpayment 
I received social security benefits as part of a child support agreement up until I was 19. Aprox. 10 weeks ago I received notice through my employer that …

Is a lawyer who represents a Doctors offfice allowed to charge 1100 FEE 
I have a outstanding doctors bill from May for $3700. They sent to a lawyer to collect it and he has add $1100 fee for himself isnt that a little extreme? …

Ex Husband Signed Papers For Debt 
What can do if my ex husband signed papers delivered to his house in my name for a court order? It was for a credit card in my name and today found out …

Fees on Collection Accounts? 
Can the person that placed the debt add fees to the balance to cover the cost of collecting it? Reply from DebtCollectionAnswers.com: The amount …

Can a Company that Went Bankrupt Still Collect a Debt? 
I am being contacted from a company that filed for bankruptcy and still wants me to pay off a bill from 2008. Are they legally allowed to collect?

Chapter 7 Bankruptcy and Debts Owed to Hospital  
I have filed for Chapter 7 Bankruptcy. On my schedules I listed a hospital bill that was listed on my credit report but recently found another bill for …

My Car was Repo 
can the debt collectors take money from my bank account

Selling a Business and Its Debt 
If a business, restaurant, in California, sells and has past due debts on thier books, does the new owner assume all debt?

Can Debt Collector Go After Contents of Safe Deposit Box? 
CAN A DEBT COLLECTOR GO AFTER A SAFE DEPOSIT BOX IN A BANK THERE ARE ONLY PAPERS IN IT LIKE INSURANCE MTG PAPERS ETC?

Can a Debt Collector Take Assets in a Safety Deposit Box 
can a collector go after a safety deposit box in a bank

Garnishment on a Joint Bank Account 
I was not married to my current husband who is in the miltary, when a judgement was brought against me. can they levy our current joint acct for the monies …

Money a debtor can take from me 
Could debtor seize my Patient Advocate reimbursement monies? The Patient Advocate foundation is now helping me with my health insurance co-pays. Is any …

Lien On Home 
I have a wage garnishment. I have another collector calling me from a payday loan -- not even sure if they are legitimate. they have not sent me anything …

Tutor Trying to Collect Unpaid Fee 
My husband hired a tutor for our daughter and they claim he still owes money, they filed a lien against me and are attempting to go after my paycheck for …

Difference Between an Order to Show Cause and a Court Summons 
what is the difference between a order to show cause and a court summons?

Ex Daughter-Inlaw Telling Collectors to Call My Son About Unpaid Debts. 
Recently, we have begun receiving calls from bill collectors for old debt. They separated 8/9/09 & divorced in May 2010. She handled all the money & bills …

Requesting Proof of a Debt 
I got a call just this morning from a holder of an old student loan (not federal) after a long period of no communications. I suspect they got notice …

Being Sued for Credit Card Debt 
I found out I am going to be summoned to court for a Bank Of America credit card bill - the plaintiff is FIA Card Services (I havent received the summons …

Debt Collector Says I Owe Them Money. 
I work for a company. I was cold called by a collection company (Benjamin and Williams) about any overdue accounts. I had one that hadn't been paid in …

What Does Being Judgment Proof Mean?  
What does it mean to be judgement proof, and how do I know if I am? Thank you. Reply from DebtCollectionAnswers.com: Great question Betty! This …

Interest Charged is Double What is Owed on Account 
I recently learned of tickets from 1996 that were sent to collections. The tickets were about $2,000 total but the interest charged on the account is now …

Being sued for a debt I cannot pay 
I am being sued by a debt collector. I had no knowledge of the lawsuit until I received the summons in the mail. I answered the summons, but at that time …

Debt Collector Says It Will Take My Wages Or Assets 
A debt collector says it has bought my collection debt and says they ve been trying to get a hold of me for a while and finally does get a hold of me and …

Money Owed to Me 
Hi I am in cal. I am a small transportation company. I work with a another transportation company that takes orders and then sub contracts to me. …

Collection On A Minor Child 
Where does it say that we can't collect on a minor child? Can you provide me with the fdcpa code. Thank you Reply from DebtCollectionAnswers.com: …

Loan Company Threatening 
I made a loan at a loan company and listed my furniture as collateral but now they are saying i put my car up i did not give them the title nor did they …

collections 
aa bill for 2006 can they collect now for after 5 years

Money issues 
I owe back taxes and I am currently on a payment plan with the federal IRS and the state IRS, I also owe about $50000 in unsecured debt that I haven't …

Cosigner on my car loan has judgment against him. Can my auto be seized?  
My dad cosigned my car loan, (the loan is paid off) and both of our names are on the title to the car. He has a judgment against him, which will be filed …

Debt collector keeps raising my payments 
I live in Alabama. I have been making monthly payments every month to my creditor's lawyers. At first it was two hundred and seventy-five dollars a month. …

Can a Debt Collector Contact My First Sergeant? 
im in military, can a debt collector inform my military employer (my first sergeant or commander) of my unpaid bills?

Settled and paid my credit card bill in full. 
I recently settled my credit card bill with a debt collector. I paid the deal we made in full with one payment that day . It was half of what I owed. I …

Student Loan Cosigner 
I signed with my son for his student loan. Can I pass the debt to him?

US based collections agency trying to collect a uk student loan 
My wife moved here from the UK and now a us based collections agency is trying to collect the defaulted loan from the UK (15 year old debt). Is this actually …

Am I ultimately responsible for my ex's phone bill? 
My ex-wife and I separated 18 months ago(I moved out and never came back) and divorced 9 months ago. The phone bill was in my name and I never closed the …

consent judgment 
Recently I was served with a summons to appear in court and that I had 21 days to file my answer to the court and to the attorney suing me for a credit …

how can i protect my social security benfits from my old debts 
How can I protect my social security benefits from my my old debts

Attorney Demanding My Personal Information 
I would like to know if an Attorney who is collecting for a creditor has the right to ask you to send in all your personal financial information when you …

Can funds from a pension and social security be taken?  
My father did a voluntary repo. on two vehicles and losing most of his hearing and being declared legally blind. Now they are contacting us... Can his …

am I responsible for my ex's bad credit card debt? 
I just rec a letter from a collection agency for my ex's bad credit card debt. This is the 1st letter I've gotten from them. We have been divorced over …

Statue of limitations on credit card in Louisiana 
What is the statue of limitations on a credit card debt in Louisiana?

Debt goes to my mom in another state 
can a company send my debt thats not over 3 months to my mom in another state with my name and her address and I HAD SPOKE TO THEM TELLING THEM i …

I co-signed for a truck loan. Lender is coming after me. 
I need help. My ex husband purchased a full size pick up truck in 2008 and asked me to cosign. I did cosign for the truck at that time because he told …

I Cosigned On A Loan With My Daughter, Can They Take My Possessions? 
I cosigned with my daughter and she used her car as collateral. The car was worth around 10k at the time and the loan was only for $3800. However, they …

Re-aging debt 
is this legal action and legally true fact that if I file a suit against a collection agency that is reporting a re-aged debt of mine that has been resolved …

Utility collection letter addressed to "Occupant" 
I moved into my apartment a few months ago. Recently, I received a collection letter from a utility company addressed to my apartment, but in the name …

Being judgment proof 
WHAT IS THE DIFFERENCE OF BEING JUDGEMENT AND COLLECTION PROOF?

Collector trying to collect a debt that I do not owe 
I received a letter from Leading Edge Debt Collection. They are trying to collect approx. $11,000 for a debt that went through the legal system, and I …

Can I be sued in one state if I live in another? 
you just answer my question and thanks for that. But i have another question?, you said if i stop my payment from the debt collector they will put a judgement …

Credit Card Judgement and Husband's Possessions 
I have a credit card judgment from 2009 for 2000. I do not have a job. My husband has a job and everything is in his name only, always has been that way …

Can a debt collector contact me at or come to my work? 
I have a loan, and haven't been able to make the payments for over a month. These people have called my work place, now they have came to my work also. …

STATES THAT REQUIRE PERMISSION TO SPEAK TO SPOUSE 
CAN YOU PROVIDE A LIST OF STATES THAT SPECIFICALLY HAVE LAWS IN PLACE THAT REQUIRE DEBT COLLECTORS TO HAVE EXPRESS PERMISSION TO SPEAK TO THE SPOUSE ON …

collection agency trying to collect on debt that does not appear on credit report 
I was contacted in May 2011 by a collection agency about an old debt (last payment date 09/2005) that does not appear on my current credit report. It does …

Can personal property that is not mine be seized in bankruptcy?  
Hi - My boyfriend, our kids, and I live in a house that is entirely owned by my dad. My dad and boyfriend own a lot of property in the house, and I own …

Can Husband's Check Be Garnished for Judgment 
Can they garnish my husband's check for my judgement in wi?

Can Credit Card Companies Take Our Cars We are Still Paying For?? 
My wife and I have a Car each. I have a 2008 Dodge Magnum and she has a 2007 Chrysler 300 and both are still being paid for monthly. We have got into too …

Two Collection Agencies Contacting Me About Same Debt 
what happen when 2 debt collection agencies when they want you two pay the same bill

Wage garnishment Without Service? 
Can a law firm garnish your wages when you have never been served paper's to appear in court to begin with?

Debt over 18 years old 
If i owe any debts they have to be over 18 years old should i tell them to cease and desist?

Confused Names and Social Security Numbers 
My mom and I have very similar names. When I do a credit report on my name some of my mom's debt appears as mine?? And the other way around too. For example, …

Late HOA Fees and on SSI Disability 
I'm on SSI Disability due to digestive problems (chronic/acute pancreatitis, hiatel hernia, gastritis, gastroperesis, and gall bladder disease) and cervical …

Sued for Credit Card Debt 
We live on social security only and a credit card company has send us a letter regarding a credit card that was charged off for $1,900 three years ago, …

Debt collector called me at 7:30am  
Do I have to pay this collection agency or the original debtor? I looked up on the FTC website and it said that collection agencies cannot call before …

Alternatives to Garnishment 
I have a garnishment from a car I gave back to the dealer, the creditor said they would set up a payment plan but now is garnishing me. Do I have any options …

Can my car be taken to collect on a judgment? 
my car is it my mother's name. can a bill collector take my car. They have a judgment, garnishment, so I was just wondering if they could take my car,

Collection Calls 
How often is a collection agency allowed to call me in Arizona ?

I paid a debt collector to work for me and now he has disappeared 
i paid a debt collector to settle a debt for me but he has disapeared

Debt of a Deceased Brother in Law 
My sister passed away 4 weeks ago. Her husband passed 3 years ago. I inheritated everything. Can a company come back on me for his bills? We were told …

Collector Demanding More $ Than What I Owe 
is it legal for the debt collector to charge 17,000 more than they bought the debt for.

Stop Making Payment 
i got a summon fron a debt collector(from credit card) but i called them and make an arragement to pay them 50$ a month coz i dont have a job (owed 2500).They …

Bank Account Garnishment 
can my bank account be garnished by a debt collector without bring me to court first ? I live in Kansas, and my bank has denied me any of the funds in …

Summons 
i had twenty days to answer a junk debt summons, it has been over 2 months since i heard back. how much time do the junk debt collector get to respond …

Can mortgage co. call me every day when I am 15 days late? 
Can I make my mortgage company stop calling me prior to me being 15 days late? I have paid all of my mortgage payments on time for 3 years and now that …

sent to collections for a broken appt fee 
I live in CT. a dr.s office sent me to collections for a broken appointment fee. Is that leagal?

Can a debt collector contact my family members? 
I set up a payment arrangement with a collection agency and made the first few payments but had to stop due to another bill. I left my job and changed …

Debt that not ours 
My husband received a debt collection letter for a bill that incurred in early 2004. We were married in 2009. He states that its been taken off his credit …

My mom passed away owing on a lowe's credit card. She had no estate, no money. What happens to that debt? 
Mom owed Lowes credit card when she died without any estate or money. What happens to that debt? Will they hold me responsible for it as her daughter? …

Water/sewer bill on deceased father's home 
My father died in February 2008. My sister and I paid all the bills that were due at that time and closed all the accounts except the water/sewer, because …

May I receive satisfaction letters for two accounts paid in full? 
My question was can I receive a satisfaction letter for both accounts.I recently accepted the settlement offer given to me and paid both accounts in full. …

Can't Pay Back Cash Advances 
I am 83 and took some cash out and cant pay I went to a attorney he said they cant do anything but if I cant stand the calls then think of bankruptcy …

NJ or PA 
I live in NJ and work in PA. I have been sued for wage garnishment for credit card debt. I noticed on the court order that they used a New Jersey address …

Summary judgement in ohio 
A credit card company is suing us for $7,000. We got a court date but 3 weeks before the date we received a letter from the collection agency stating they …

Collector Information Doesn't Match Creditors 
Should I sent money to the Collector Agency if They don't provided correct Account Number? The account in Collector letter doesn't match for the numbers …

If Company Goes Out Of Business, Do I Still Owe The Debt To Their Collection Agency? 
Originally, my daughter's physical therapist overbilled my daughter and after much fighting back and forth, they sent the bill to a collection agency. …

Debt collection lawsuit 
I live in South Carolina. On Oct. 1, 2010, an attorney filed a summons and complaint against me for Palisades Collection about an alleged debt from First …

Bankruptcy in PA 
I have a motorcycle I got a loan on in 2008 not sure if secured or unsecured. Only made a couple of payments. After like two years they just stopped trying …

Collection Agency Started Sending My Notices To My Son's Address 
Do not even know if this debt is mine. My son moved in with his girlfriend 1 year ago. Recently he started receiving notices from AFNI regarding what they …

Bankruptcy in PA 
I have a motorcycle I got a loan on in 2008 not sure if secured or unsecured. Only Made a couple of payments. After like two years they jus stopped trying …

Garnished Social Security 
I have a large unpaid debt with American Express... They hired a law firm, took me to court and have a judgment against me. Now they have confiscated …

How Many Time Can A Loan Company Come To Your Home 
How many times can a loan company come to your house? Reply from DebtCollectionAnswers.com: We're sorry but we need more information to answer …

Post Petition in a Debtor's Bankrupcy  
IS THERE A TIME LIMIT for a creditor to be able to file post petition CLAIMS on debtors bankrupcy

Negotiating payment amounts on a valid debt 
My son defaulted on an auto loan and his vehicle was repossessed. A collection agent is now hounding him for the alleged difference between the two amounts …

injury settlement 
Can someone other than my medical bills take my personal injury settlement for corporate business debt business debt

How to Get Credit Card Judgement Removed?  
I have a credit card judgement filed 9 years ago for under $3000. What can I do to have this removed from court records? Reply from DebtCollectionAnswers.com: …

Payment in Full of an IOU Refused 
I have attempted 3xs to repay a $690 IOU in full.. the person refused all times and even called police w/ false report, and had me tresspassed off property, …

Attorney Fees 
Can an attorney turn you in to collections when he has never sent a final bill?

Cable company sent me to collections 
I was sent to collections by a cable company for not returning digital boxes when my account was closed. I had been told by my ex girlfriend that she was …

Not Behind on Discover Card. Can Debt Collector Try to Collect? 
If Discover Card allows a consumer to enroll in Direct Pay and have already made monthly deductions from the consumer's bank account can a debt collector …

No Income 
I live on my SSI only. Got summon from Credit card company to appear in court. No money to hire lawyer. Do I have to appear in court and defend myself? …

Deceased Husband Being Sued  
My deceased husband is being sued in small claims court and they didn't list me on the suit. What should I do?

A Car in Repo Status 
I have an account on a vehicle that went into repossession and also to collections. I do not have possession of vehicle, however i would still like to …

Fed Student Loans taking Fed Tax Returns 
For the last two years, fed loans have both garnished my wages and taken my fed tax return. To make this short, I want a paper (Physical written evidence) …

writ of execution? 
I am being sued by a credit card company for $5,000 I was served papers about 2 months ago, I talked to the clerk at the judges court and she advised …

Small Claims Court and the IRS 
Can the IRS enforce a judgement from small claims court?

Employer obligation 
As an employer, what information am I required to release to a collection agency about an employee?

MY HUSBANDS DEBT 
MY HUSBAND FILED CHAPTER 7 BANK. ABOUT 19 YEARS AGO. ONE OF HIS DEPTS WAS AT THE BANK WE DO BUSINESS WITH. TO START WITH IT WAS MY ACCOUNT TO START WITH, …

outstanding vehicle loan 
I have an unpaid vehicle loan greater than $14,000. The debt collection agency says they will do whatever it takes to get the money. What exactly can they …

Calls For Ex-husband's Debt  
My ex-husband has an existing debt and the collection agency keep calling and leaving messages at my home. I have contacted them to notify them that he …

Can bank garnish money that is in an LLC? 
I recently opened a business bank account under an LLC that I opened. I owed the same bank a credit debt also that was never paid, can the bank garnish …

Collection agency re: my deceased Mother's debt 
I am the administrator of my Mother's estate..She had an unpaid bill from Sears..We called Sears and they forgave the debt...I thought that was the end …

What will happen if I stop paying my credit card? 
i took some cash out of my cc and cant pay it back what can happen if i stop paying cc

Got first dunning letter, what should I do? 
I recently received a demand letter from NCO for a very overdue credit card balance of $18,000 (their amount) to Chase bank. I was paying regularly until …

Legal Status 
What can you do when you call the collection agency and they say it's to late the account has gone legal? Will it help to send in a payment? Will it stop …

Landlord Problems 
I was on a lease extension that was month to month in CA. The Landlord sent me a letter stating that they were going to raise the rent 1 October and changing …

Frozen Account Comingled SS With Wages Of Less Than 200 Per Week 
Why do banks accept collectors' judgments on account with SS benefits which is exempt; and weekly wages of less than 200/week which is also exempt? This …

20 Year Old Debt...Is There A Statute Of Limitations? 
20 years ago, when I moved from Connecticut to Oregon, I did not realize that I owned the city of New Haven a personal tax fee on an auto of about $1400 …

Advise Them And Still They Call Me 
Why do they continue to harass me? What can I do? When I call them to let them know I may be there by 7:00 before they close if not I will be there on …

Why Is Collection Account More Then What Is On My Credit Report? 
In December 2008 I joined the army, receiving a 20K sign on bonus. I married my husband in December 2009, and with him being in the army also and me being …

I Applied For A Job In Billing 
Can the employer use this information to pursue collection if I applied for a job in the hospital that I owe?

Debt collector wants hearing by phone instead in court 
Answered summons. court date was set. then received letter stating the debt collector wants a phone hearing. What should I do

bank account garnishment without notification 
can a third party debt collector for a credit card company garnish a savings account in Georgia without prior notification. The account was considered …

Can My Car Be Seized?  
Can my car be seized if I jointly own it with my dad and we have owned it jointly for 5 years? Reply from DebtCollectionAnswers.com: Frank, we can't …

Bank Account Garnishment 
Can a single debt collector garnish my bank account twice for the same debt or make me pay the remaining balance after they garnisheed my bank account …

Repossesion 
Can they take my license if I can not pay off the loan?

orthodontist bill for 19 year old daughter 3 years old, collection letter came to parents of her name, didn't use our names 
we owe my 19 year old daughter's orthodontist 2,600 in mass. The bill is 3 years old. They never harassed us for it. Insurance paid some of it, as did …

Chapter 7 and My Son's Car 
I gave my son a car free and clear 14 months ago and now I have to file chapter 7. can they take that car away from him to pay creditors

Won't accept payment and garnished bank account 
After paying on a debt for 10 months, I was two months behind (the final two payments). I contacted the collection law firm and let them know. They said …

Debt Collector Demanding Downpayment Payments 
Can a collection agency require a minimum down payment to begin paying off a debt and can they require me to make payments by phone?

Past Due SBA Loan 
how long do they have to collect an old debt

Trying To Find My Collection Agency 
I know I'm in debt but I'm not sure which collection agency is handling it. So I wanted to know how I could go about finding that out. Reply from DebtCollectionAnswers …

Renewed Judgement 
O.k here is my question....1989 I had a credit line at a casino in N.J., I was living in Mass. at the time. I had moved to Florida in 1990. I have received …

Being Sued And Don't Know What To Do 
I am being sued by a debt collector who bought my debt from an original creditor. I have since moved out of state and I am wondering what to do and how …

Will I Inherit My Husband's Large Judgement?  
My husband and I live in Florida. He has a large judgment against him filed both in new york and florida (same judgment). I am no on the judgment. When …

Can They Take Out My Check? 
I got a call from a phone company that I owe to and I was wondering can they take the money out of my pay check or even my husbands paycheck? My husband's …

Ticket In Collections 
I live in Olympia, WA. I have a traffic ticket in collections holding my license and courts denied pulling it out for me so I am left paying collections. …

Already Paid Debt Collector 
My credit report says capital one wrote my debt off as a bad debt. They sold it to someone else. I paid on that debt, now capital one is trying to get …

I've been contacted about a debt I already paid off 
in 2007 i paid off an account, recently i was contacted that i have an outdtanding unpaid debt, it does not appear on my credit report, i was told i will …

I don't believe I Owe Debt Collector Wants Me to Pay 
I was contacted by someone claiming to work for a debt collections office. This is the first time I have heard of this account, and I have not received …

How Long Can A Creditor File A Judgment?  
How long does a creditor have to file with the courts for a judgment? Answer from DebtCollectionAnswers.com: Sherri, we assume what you are asking …

Debt was not validated  
I received the letter from the debt collector which stated I had 30 days to dispute all or part of the debt. In such case, the debt collector said they …

Unifund Suit Was Dismissed! 
Unifund sued me with no notice on an old debt. The suit was dismissed over 2yrs ago because their lawyer never showed up in court after I secured representation. …

How will judgment affect my ability to get a job? 
Hi there i am being taken to court over an unpaid credit card bill of $11000 I am currently in nursing school and they have told me having a judgement …

Debt Collector Impersonating Sheriff 
I sent in admissions for documents,discovery and have not heard back from this firm.I have answered all their questions and denied everything. Was summons …

Apartment Contacted Debt Collector 
I had to move to a new apartment last year as it was infested with coakroaches. At the time of move, land owner asked us to pay an amount for claening, …

Can they do this? 
My mom put braces on me when I was 16, I took them off before time, and she didn't keep on paying them. Now after almost 2 years they are trying to send …

Can My Debt be Sold When Litigation is Pending?  
On 8/13/10 I filed a lawsuit against a debt collector for breaking the FDCPA. While negotiations were continueing this collector transfered this debt to …

HOW PRE-NUPS AFFECT DEBTS OF DECEASED 
If a California couple had a pre-nup agreement, does that absolve one spouse from having to pay the debts of his or her deceased spouse?

Should I Try to Arrange a Payment Plan with A Collection Company? 
A credit card company apparently got a $5,000.00 judgment against me while I was out of work & homeless during a 2 year period (I lived with various friends …

Can Debt Collectors Come to a Home? 
can debt collectors come to your house?

time limit to collect on parking ticket ? 
What is the time limit for a collection agency to collect on a parking ticket issued in Portland, OR

Involuntary Bankruptcy 
A debt collector is threatening to file involuntary bankruptcy against my husband for a credit card debt owed by a sole proprietorship of which he was …

Getting a Debt Validated by a Debt Collector 
How can I make the debt collectors prove a debt after 30 days have passed and I did not answer their letter for a DV in time? They can't just willy nilly …

Check payment has stopped. 
This customer has given us 3 checks but has stopped one of them that is about $3000. We just got a call from the bank that it was stopped. Can we go to …

Have Been Summoned to Court 
A policemen serve me with a petition to be in court the last of this month April. I owe this and other credit card debt. I am living on less then 700 dollars …

Wages Being Garnished after Judgment Was Paid 
can a lawyer continue garnish my wages in calif after the lawsuit was paid off?

Can My Credit Score Be Affected If I'm A Member Of An Llc With Uncollected Debt? 
I received a letter from a debt collector saying I owed over $500 from a partnership that was dissolved over 3 years ago. My partner never paid the bill …

Collection Agency No Longer Exists 
I still owe a collection agency and was making payments. The Agency was forced to close immediately and lost their legal license. Will they still go after …

School Tuition 
I have been paying school tuition on a regular basis but the last payment was returned telling me my balance has been sent to collection. I did not receive …

Will Bankruptcy Help Me? 
what happens if I am being sued from a jewelry store where I got my wedding rings which I pawn them cause I lost my job and I needed money to feed my kids …

Wife's Repo - Can They Come After Me? 
My wife lost her job and could no longer afford to make her car payment so she did a voluntary repo. Can they come after me if my name was not on the contract? …

Court date on Credit Card bill 
My daughter has no job since May 2010. She is living with me. i am supporting her completely. A credit card collector is taking her to court. Can they …

Can't Afford to Pay Hospital Bill 
Hi, I visited an ER at a local hospital for a medium stomach pain back in Dec, of 2010. As soon as i put my foot at this facility , i told everyone that …

Car Note Paid Off - Repo For Late Fees? 
I paid off my car note in 12/2010 but I owe over $1300 in late fee over a six year period. Can a collection agency repo my car just for the late fees …

Judgments by Debt Collectors 
In South Dakota can a collection company get a judgment on purchased debt?

Can Debt Collector Call Me About Some 21 Year Old Debt In Some Bank In Germany? 
I got phone call and then a letter from some collection company from California about some debit from overdrawn bank account that they claim happen over …

How can I find out if I owe money to the collections agency?? 
About three years ago I lost my ID and I think some one used to put the quest services and they where charging me for it but I never paid attention to …

Can I File Bankruptcy If Being Sued By A Person For A Unpaid Loan 
In NJ can I file bankruptcy if I am being sued for a unpaid loan? If so what happens?

Phony debt collectors with heavy Indian accents 
I receive weekly, seven days a week calls from people claiming to be lawyers informing me that I have defaulted on a payday loan (I have not). They …

How to Respond to a Court Summons  
How to respond to a summons

Tax Question 
I have a 1099c for a loan modification that was made to a property . I helped my daughter buy a house and this form belongs to her do I have to claim it …

Online Gambling Debts 
I screwed up...I need help before i dig myself even deeper. Please Help. I cant even put it into words how grateful i would be. I know its long but i needed …

Sued for Unpaid Credit Card Debt 
I am being taking to court be a law firm. They sent me a bunch of questions about the credit,card. I did not answer them and they took me to court. On …

Collection After Judgment Denied 
A hospital tried to issue a judgment against me for a debt; however, the judgment was denied. Can they still collect this debt? I am now being contacted …

Can't afford to make balloon payment due on car. 
i have a car paying 200 bi weekly ( buy here, pay here ) they added a balloon pymt in the middle for 1000. my finances have changed and that bonus …

Previous apartment complex says we owe it money 
So a few weeks ago my family and I were looking for a new apartment, we found one but later in the weeks they called to inform us that we had been denied …

Statutes Of Limitations On Debt Lien? 
In the state of Missouri what is the statutes of limitations on a vehicle debt lien?

Got sued on a debt that the sol had passed  
I got sued from capital one and the sol had ran out but the lawyer had were they had tried to serve papers on me three times and the server returned the …

Default Judgement - What Can They Do? 
I received a default judgment from a credit card company in California Court while I lived in Texas. How does that affect me? Also,can they go after my …

Collection Agency Charging Interest and Wants Bank Info  
A collection company contacted me about a debt that that is only 2 months old. The person I owe just sent me a bill 3 weeks ago. This debt collector …

How do I pay collection accounts if I can't find them? 
I have some things under collection in my name, but I'm unsure on how to pay them if I have no idea where they are sent?

Property lien ? 
Purchasing a new home, but recently contacted by a credit union for a car loan debt in 2001. Wondering what the statue of limitations are in Ohio? Also, …

what do i do next? 
I had a Judgment against me for a mustang i cosigned on with my ex-wife in 1998. she paid on the car for 2 years and got in financial trouble and had to …

Old debt, trying to obtain phone number with no information 
I have an old debt (checking account overdraft through Bank of America) that I cannot seem to find on my credit report. I had the account in Michigan and …

Hospital Has Turned Over Account Balance to Collector  
I reside in Maryland and apparently have a balance due with a hospital for my copay amounts. I have medical bills which were paid by the insurance company …

Finding Collection accounts 
I have a number of accounts that have gone to collections. What is the quickest, cheapest way to find out what I have currently in Collections?

Can creditor take roommate's furniture to satisfy judgment? 
I have a judgement against me for $10,000 owed to credit card companies. I share a house with a family member who purchased all the furniture. Can there …

Debt collector and Withdrawals from my Bank Account 
I gave permission for the debt collector to withdrawl the balance I owed from my bank account. We arranged it in two payments. The first payment was taken …

Can Bank Reposses My Deceased Mother's Car 
My mother passed away in 2007. I her daughter have been making her payments faithfully. the bank reposessed mothers car without a cobb letter is this …

Statue of Limitation for Real Estate Debt in Tennessee 
could you please tell what the statue of limitations would be in Tennessee on real estate.

Bankruptcy and Child Support Obligation  
out of job for 4 months, lost house, unable to pay child support, now child support being taken out w/interest but I know bills and child support will …

Unique situation on an old debt 
I recently received two letters from a collection agency on a debt that is 12 years old. And the amount on the letters are different amounts. The debt …

credit card judgment 
if i am on disability can my nine year old car be taken because of a credit card judgment.

Change of Venue 
How can I ask for a change of venue from one county court to another in the state of Nevada. What forms would I need? I am on oxygen and it is hard for …

How to File for Bankruptcy 
i wanna file bank rupt cause i owe so much money and i cant catch up...im 28 how would i go about doing that?

Can my tax refund be taken to pay my student loans?  
Do they have tha right to take my tax refund with out my authorization? Its bin more then six years since loan and always intercept my tax refunds i aready …

16 year old debt  
I revieved a bill from collection agency about a 16 year old debt I dont remember or have never recived a bill in the 16 years for a gym membership what …

Can a bank call a third party to collect a debt? 
Today is 2/23/11 and I received a phone call from a bank asking to speak to me. They wanted me to contact my daughter and have her call them right away. …

Help with very old debt 
Can capital one still make me pay their outside consumer if the debt is over ten year old i havent had anything to do with this account since 2001

I paid the amount the attorney for the creditor insisted on 
should the attorney for the credit card company issue a dismissal? Instead the court issued a default....2 weeks after I paid in full

I paid the amount the credit card insisted on 
should the attorney for the credit card company issue a dismissal? Instead the court issued a default....2 weeks after I paid in full

Can I be forced to use a credit card to make a lease payment? 
In my small business I have an equipment lease that I am 2 months behind on. The lease company ran my credit report and saw that I have a credit card …

Tax Lien 
can they take tax return

SOLD OFF DEBTS 
CAN SOMEONE PURCHASE YOUR DEBT AT A LARGE DISCOUNTAND THEN HIRE A DEBT COLLECTOR TO THREATEN SUIT ? N.J.

unpaid tickets in the state of california.... 
I just filed my income tax and was suppose to receive the directlt deposited into my bank account... it never came... when i called the irs i was told …

Moving To Another State And Liability 
I have lived in Missouri for all my life, except for the last 2 years. I have been married for the last 25 years. I had credit card debt in Missouri that …

Can debt collector repo my vehicle? 
Can a debt collector repo my vehicle in the state of texas?

First Time In A Small Claim Court 
A collection agency is taking me to small claims court for medical bills unpaid. we set up a agreement of $50 a month to pay off the bill. I made 3 payments …

debt from a deceased brother 
My wifes brother died last year in Georgia. He had no estate or money. He was in debt to credit cards for approx $8000 and his home has been foreclosured …

Can old eviction hurt my credit? 
My husband and I were evicted from a home we rented in Modesto, CA back in July of 2001. I saw that the judgment fell off our credit record last year. …

Collectors Calling My Cell For My Wife 
I took over my wife's cell phone because I had my leg amputated just above the knee last year in case I needed it. I keep getting collection calls asking …

Car Repo: Can They TakeTaxes? 
I had a car repossessed this year I never got a court date can they take my taxes?

Tax credit for a past student loan paid to a collection agency in Canada 
If I paid a collection agency money to pay off a previous student loan with a bank, an I eligible for a tax credit on that payment in full?

The Credit Card Collector Said He Can Take My Car If I Don't Pay Him... 
Can The Collector Take My Car, It Is Not Paid For By Me... Help,Help,Help... Helen

How Do I Respond to Court Summons 
I received a summons to appear in court for a debt of 1500 dollars how do I answer this?

Offer to pay debt refused 
If I called to make an atempt to pay a dept but they ask for more then i can pay if i send them what i can aford can they refuse my payment?

A Us Bank Took My Us Tax Return In Lieu Of A 82 Debt 
I had a large tax return coming. I owed $82 to a large us bank. They took my deposit to deduct monies owed and keeping my balance for at least 30 days. …

Bank Won't Let Me Open An Account Because Of 22 Yr Old Debt 
I was told I could not open another checking account with Bank of America because I had a bad debt written off 22 years ago with a Maryland National Bank …

Credit Card Company Took Money Out of Joint Account to Pay Spouse's Debt 
My wife got a credit card for her business (my name was not on it) and her business closed with her still owing money. BBT owned the card and our personal …

Possible Problems with Debt Collection Lawsuit  
I received a Summons and Complaint that was filed in Richland County, South Carolina by a Georgia Lawyer on behalf of Palisades Collection, LLC (junk buyers)on …

statue of limitation on credit card debt in california 
I have a credit card debt that was declared delinquent about 8yrs ago. One year ago the collecting company threaten me with a law suit and send me a summons …

Unlawful Wage Garnishment in CA? 
I had a "law office" allegedly serve me a Summons and then a Default Notice. My employer recently received the document requesting my wages be garnished. …

Possible Bankruptcy 
I developed bipolar disorder and before i knew i even had it, i was over $80,000 in unsecured debt. My credit cards are only in my name - my husband is …

Calls at Work From Debt 
My husband's business that went under owes several credit cards and they are now calling me at work asking for a phone number for him. I told them …

lien on my home 
Can bill thats over 3 years old put a lien on my home?

Laws in NC 
Can a company turn an account over to a collection agency without notice of going

Can I Settle A Cable Bill in Collections?  
Can you do a settlement on a cable bill that has been turned over to a collection company?

Ex-Delta Employee 
I'm an ex Delta Airlines employee and my account was sent to a collections agency for over payment which is absolutely not valid. How do I fight this giant …

Notified Of State Of Ct Car Property Tax 10 Years 
I had a car in 2001 in city of Danbury, state of CT. It was totaled in 3 months (before end of 2001). At that time I was a student in NYC, but now I have …

Broke lease in AZ, but no judgment. Am I OK? 
I moved out of an apartment after being late on rent. It did not go to court, and has no judgment. I was behind over $1000 plus late fees, and I did …

Credit Card Debt 
i owe about60000.00 in old creit cards. my only income is disability whayt now>

Can they take my tax return? 
Hello. I was sued in 2008/2009 for a medical bill that was 6,000 dollars. The bill was only in my name. I was on a bill payment plan but then lost my …

Debt collector trying to collect parent's debt  
When I was 16 I went to the hospital. Later we got a bill for the services. They billed my mom and after she didn't pay the collection agencies started …

cc debt 
I have cc debt and only live on ss I am 82 and cannot work I have a home that has a mtg if i sign my home over to my son and stop paying on the cc can …

Being Sued for a Very Old Debt 
can a collector sue me for a debt that is 20 years old

Co-signer on auto loan 
In 2005 I co-signed,2007 my son lost his job the car was picked he was unable to pay.I'm retired on disability I received a call in Dec.2010 saying if …

Can credit burueas list a 12 year old debt? 
I recently received Power of Attorney from my 79 year old Mom to help her out with her finances. In 1998, she closed her credit card account with Capital …

Can A Bank Take Money From A New Accoun 
Can a bank take money from my new account I opened with them to pay off an old account I had with them 6 years ago?

Statue Of Limitation Has Run Out Can It Be Collected On Now? 
The statue of limitation has ran out on my loans. They have the deed to my home. Can they collect on this loan. Do they have to release my deed to my home? …

Homeless and Judgment Preventing Me From Renting 
I am homeless. I have a judgment on my credit report that is now being disputed and the judgment is preventing my from providing somewhere for my kids …

debt settlement refused  
I offered to settle a $2079 debt for $700 to a law firm representing a collection agency. They refused and say the collection agency will accept no less …

My Judgment Was Dropped - Why ? 
I had a summons from a collection/Law office from a credit card i stopped paying on about a year ago, they did serve me a summons at my house and i received …

I need an answer 
I had a credit card I only used once, the card had a credit limit of 300.00 and I used 289.00. I did get behind in paying this bill but I paid the credit …

Payday Loans 
About 2 and a half or 3 yrs ago, I defaulted on a payday loan. Today I had a phone call from CRA Collectors about that and they said if I don't pay $350 …

Am I responsible for deceased husband's car loan in his name only? 
I am trying to sell it to pay off the loan. Would I be better off to just let the bank take it? No monies left in the estate to pay it.

When does a lawsuit officially begin? 
when is a lawsuit deemed commenced in pennsylvania? (filing of the summons and complaint service upon defendant, etc.)

Checking Account And Student Loan Refund 
I received my proceeds of guaranteed student loans and my checking account has been garnished. Are they allowed to take that money? I thought that that …

Multiple Collection Agencies After Me 
Can a company turn you into a second collection agency after I've already set up a payment plan with the first one they turned me into? And will that effect …

Towing Collection 
Hi, a few months ago my car was taken away by the police. he had it towed for 1 month. now i couldnt get the money to take my car out. so i left it there...afterwards, …

Will bank want to be paid for debts deceased cousin owed to it? 
my cousin died in june 22nd 2007 she had 2 equity lines of credit totaling 129.000. her taxes are 58.000. the pipes in the house burst in walls fire department …

Old Judgment Never Paid 
I acquired a court ordered judgment in 2003 and never paid it. Now a collection agency is trying to collect on the debt and they don't own it. What are …

Collector Trying to Collect Deficiency After Foreclosure  
I left a condo in 2006 to go to foreclosure and moved abroad. The sheriff sale was in August 2007. I returned to the USA in May of 2010 and received …

statute of limitation 
I have a sears credit card bill that was incurred when I was with my ex husband. I left that ex husband in 1994 have been remarried since 2000. Suddenly …

Being sued by apartment  
I rented an apartment and broke the lease almost 6 years ago. Today I got a letter in the mail from a lawyer saying that they want to collect the debt …

Changing location of court hearing after being served with a summons. 
We moved to another county from where I was served a summons. Which I responded to, it had no court date. I was in the process of moving whenever I was …

Are 3-4 debt collection letters per month legal? 
I wanted to know if it was legal for a single creditor to send out 3-4 collection letters per month for the same bill?

Moved from the County that I was served in.  
I was served a summons without a court date, I responded to the summons with in 20 days and filed an answer with the court of which I was served. Whenever …

I live in south dakota but my company is based in philladelphia. 
Today I got a garnishment notification from the sheriff saying they are going to garnish my wages for an old medical bill. However the garnishment is for …

Collection on a Very Old Debt 
i got a ticket last year for two hundred dollars in california. i live in oregon and always have. the ticket got sent to collections for $705. i made $50 …

Bills Been Paid, What Do I Tell Collector? 
If a bill that had been sent to a collection agent has subsequently been paid to the original creditor is there anything owed to or any need to deal with …

Unable to pay for magazine subscription 
In November of 2009 I received a call on the phone about subscribing to a magazine company, I told them I had no financial income at the time, but apparently …

CAN DEBT COLLECTOR TAKE TAX REFUND? 
CAN A COLLECTOR THAT HAS A JUDGMENT AGAINST ME TAKE MY HUSBANDS TAX REFUND IF HE FILES A JOINT RETURN?THANK YOU

Collection after Bankruptcy 
My company filed BK and was dimissed. Can a creditor collect on an open account?

Collection agency refuses to send statement 
I have been working with this collection agency since February of 2009 and making regular payments. In the past I had to ask for a statement to ensure …

Collector Trying to Collect on a Very Old Debt 
I just received a collection letter on a bank account from 1996. I live in Oregon and this is for old overdrafts created when my ex took my debit card …

Neighbor, Not Debtor, Served with Summons 
Is it legal for my bill collector to serve my neighbor- expecting my neighbor to give me the court summons and what should I tell the neighbor to do with …

Wage garnishment 
can an attorney thats sueing you garnish your wages from you bank account

Sent to Collection 
Can a business send you to collection without giving you a bill or a warning notice?

Sued by Debt Collector/Credit Card Co. in PG County Maryland 
I am being sued by Discover Card/Collection Agency. The reason why I say I'm being sued by both is because I'm certain the debt was sent to a collection …

Auto Financing 
I bought a 2002 Ford Explorer in 2001 when they first came out. I was working then. The trouble started when I bought my first home and got behind in my …

7 Year Rule on Collection Accounts 
Does the 7 year rule apply to only the original debtor or does it also apply to the company that purchases your account from the day that it was purchased? …

Can company turn my company's account over to a collector? 
Hello , I have a fashion company and we have problems with one of our past productions. We hired a company in Texas to do the work because they …

Liability for damages related to car accident  
i have a quick question, in the state of Florida.. if you and somebody else were sued for $10,000 liability damages to somebody car, and our licences suspended; …

Cosigned Loan Now in Default 
I cosigned a loan for my sister a few years ago that is now in default because of circumstances beyond her control(loss of job, inability to find work. …

hospital debt 
Who do I contact to see how much and to who I owe a hospital debt to from chicago about 6 years ago?

Can debt collect sue for money owed? 
a debt collector says i have no time to make payments and will not expect them unles i pay in full in 3 days i dont have the money and they will not let …

Wage garnishment law in OH 
If my wages are garnished, can they also take my income tax refund?

wage ganishment 
I lost my job in Nevada and couldn't pay my credit card debt. One of the collectors filed a lawsuit agains me then sent me a letter asking if I wanted …

Possible lien on purchased vehicle 
How do I know if the lien is paid off

Debt Collection Letter After 10 years 
I received a debt collection letter from CRSI re: Credit Card Co. in the amount of 15k+ suggesting that I consult with my attorney about the laws in my …

Foreclosure 
BB&T has started forclosure proceedings on a lot I have with them. I'm on a pension. They turned it over to a debt collector instead of working with me …

scared 
wife in bad health ,can creditors take my car.

Disputing Charges to a Debit Card 
Can i dispute budget rental for taking tousands of dollars out of my checking account? my credit union wants me to sighn a credit card disputing form after …

Is Credit Card Entitled to Sell Debt to Collection Agency 
If the credit card company of my debt has received payment for the debt thru its insurance, can it still sell the debt to a collection agency??

Ex-spouse's heating bill 
My ex-husband and I were divorced in 10/2009. He left the NJ property where both our names are on the deed on 12/2009 with a heating bill and is now residing …

Creditors calling my house regarding my daughter's bills 
There's this debt collection company that calls my house from 8 A.M to 9 P.M. asking for my daughter. They refuse to tell me who they are, they just say …

Totaled Car 
Am I responsible for a vehicle that is totaled when we were married and bought without my permission?

Repossessed Car From 1986 
I got a call from a collector. They said i owned a car that i gave back in 1986, because of illness. They sold it at an auction. He told me i had to pay …

no knowledge 
I transferred an AT&T account from my name to my husband's to benefit from the discounts. Two and a half years later a collection agency has contacted …

Services Not Rendered 
As the executor for my brother's estate, I needed to file in small claims court against General Motors, his employer. Pursuant to that, I needed to serve …

Being taken to court for fraudulent checks that were cashed  
I cashed 2 checks for someone that had checks sent to me so they could get the money in Nigeria. I did not send directly to Nigeria was sent to another …

Wage Garnishment For Credit Card Debts 
Can your wages be garnished over credit cards in Meigs County Ohio?

Transferring an asset after being sued 
I got a summon today for alleged debt and has 30 days to respond. I have a car under my name and my son is paying the car and using it. I still have …

Joint bank account 
My roommate and I had a joint bank account to pay bills from. She passed away last month without family or insurance. I was NOT listed on her credit cards, …

Vehicle liens for hospital bills 
I owe the hospital medical bills, I will be going in to discuss payment arrangements and they want me to bring in my vehicle registrations, can they file …

Alleged Debt Owed 
Why have I received a letter from AlliedInterstate, Inc. that states I owe money to Ge Money? The letter also shows: "Debt Purchaser: Equable Ascent …

Hospital about to turn over past due bill to collector 
In September of '09, we were out of state and had to take my daughter to the ER to get 3 stitches for a cut. About a month later, I received a bill for …

Lawsuit against attorney  
My attorney had control over a pod that I used to put things in while in a divorce. The attorney was there while it was loaded and being paid to make sure, …

Harassing Phone Calls at Work 
are cllection agencies allowed to call you and harrass you at work 5 or 6 times a day.

Statue of Limitations After Moving 
How do Statue of limitations work? If the account was opened in one state but I moved from there, which states SOL is in effect??

judgement for defaulting on home equity loan 
can they garnish my wages in florida

Husband and Wife's Debt 
My wife owes a debt that I did not sign for. Can they collect from me because we are married?

Debt collector wants money FASTER! 
I was took to court for owing the state of Washington 3000. The courts added court costs and said that I am to pay 50 a month. I have been paying my payment …

Can a Collector Contact You at Work  
Can NCO or any collection agency contact you at work and continue to harass you after you tell them that you are at work. And then continue to call your …

How to Stop Credit Card Company from Charging Fees? 
How do I force a credit card company to turn us over to collections so they will stop imposing late fees and additional interest charges?

unpaid gas bill 
I lived in a shared house 5 years ago. at the end of the year we informed the gas company that we were moving out end of July 2007. we paid some of the …

Stripping Junior Liens in NY 
I have acquired 7 junior liens. I declared bankruptcy in the state of new york in august of 2009 and received a discharge in November of 2009. The judgments …

Debt collector Harrassment 
I had a bill with AT&T for $296.38. The last bill was 10-09. They terminated the service after I tried to put the phone on vacation until I could pay it. …

Past Due Homeowners Association Fees 
I have been trying to work with my home owner association to bring my past due current. I sent their atty a letter with posted dated checks. At the end …

Business debt 
I was involved in a business up to February of this year I left when I discovered my business partner was buying in the raw material processing it and …

Summons While Moving 
I was served a summons for a credit card debt in the county that I live in, but we were in the process of moving to another county, what will happen?

Bill in my name for some on else 
What can I do to fix my credit if I put a light bill and a cable bill in my name and they let it go to collection and do it really affect my credit

Disabled Vet with Income Problems 
I am a 100% disabled vet. My income comes from my air force retirement, veterans disability, and social security disability. I just went through a difficult …

Cosigning on a loan now in collections 
I cosigned on a loan with a person over six years ago and no longer have contact with this person and now I have a company trying to take a lien out on …

Student loans. 
My Student loans a behind three companies have bought out and moved my accounts to where not only can I not find them I can't pay them. The last people …

Contracts 
Can a collection agency sue me for a gym contract I did not sign?

When can you be turned into collections 
If you are making monthly payments on a bill, can you be turned into a collection agency?

How Long will a collection account stay on my credit report 
I have several unpaid collection accounts on my credit report that are 7 yrs old in 2011. Will these drop off of my report and can the collection agencies …

Pre-trial conference, Michigan 
I have no credit/debit/charge cards and pay my bills with money orders. I purchased eye glasses ($457.00) in 08.2006 with a charge card (my first and …

Can debt for a child taken to a Dr by one parent be placed in collections for the other parent? 
I was in the military stationed at Fort Hood, TX, and my spouse was in MT at the time. She took our children to an eye clinic and filed the information …

Nine Year Delay in Notification of Debt 
In 2007 I received notification from a debt collector that the City of Danbury CT has engaged a debt collector to collect a vehicle property tax from 1998. …

Pass my debt to my parents? 
I was called by a representative from Bank Of America, telling me I owe money to them. I explained that I wasn't able to pay my debt off and then the …

Car garnishment 
My wife and I had to return our Jeep back to the dealer because of no work. The Jeep was in both of our names. I am now permantely disabled. Is there anything …

Civil Action Hearing Notice 
What steps should I take now? How to find out if this collector has any rights to my old credit card debt? Or for how much they bought it? I checked my …

Student loan 20+ years old 
I have a student loan that is older than 20 year i have tried to come to an agreement with different collection people that keeps buy out the loan and …

Calls for Ex Wife 
How do you stop calls to your phone number for someone who has not lived there in 12 years? Can I give them her public info?

Trying to collect debt that isn't accurate 
My wife recently received a debt collection notice from an agency in Michigan stating she owes $1355 to Bally fitness. She canceled that membership 10 …

Credited Account but Sent to a Debt Collector 
I received my phone bill that I was in dispute about. They credited my account, but then I received a letter from a debt collector saying I owed this amount. …

Wage garnishment by AT&T 
Can At&t wireless garnish your wages

Should a debt collector be calling me for upaid bill of deceased mother? 
Hi I had talked to the hospital when I received the original bill of my deceased mother and told them that due to my own financial problems I could …

collectors want me to pay more then the principal amount. 
I owe 13,000 and the collection company wants me to pay 22,000 they levied my bank account which had 1,000 now i don't know what to do

Paid Collection Reported After The Fact 
I had a collection account that was paid back in March of 2006. The collection agency who had the account reported it as a "charge off/Paid collection …

SSI and Pension - are those always exempt? 
My 80+ year old mother in law got herself into some bad credit card debt and stopped paying. As I understand the law, SSI and pensions are garnishment …

Mortgage modification problems 
If after a re-mod the mortgage company denies me, I have to pay over $5000 in back fees and lost payments. They have told us that we must send the money …

Account Sold to........... 
If your account is sold (pennies on the dollar) to another agency. Are you responsible for the debt to the new owner? If yes, and you pay the new owner …

Pay for Leaving Early on a Lease 
My son who had an apartment in Philadelphia had to leave his lease early he graduated college and was offered a good job in Washington dc He gave notice …

Sued, can they take my tax return? 
I was sued 2 years ago for a motor vehicle accident, they have not garnished my wages, and I have not heard from them in a long time, Can they take my …

Ex spouse refinanced SBA disaster loan without my permission 
My ex wife refinanced an SBA disaster loan for $10,000, approx three years into the contract WITHOUT MY PERMISSION OR PRIOR KNOWLEDGE. The original term …

do i have to attend court? 
do i have to attend my court date for being sued, if I file bankcruptcy one day before the court date ?

judgment 
if youve had a judgement against your bank account once and still havent paid your debt off is the bank acct safe or are they gonna contine to take money? …

Car reposession 
Can my husbands bank account have money taken out, for MY car repossession? I am the only one on the contract and I was not married at the time of signing, …

credit card garnishment 
i have been dissabled since 2006 and owe a lot of credit cards, if my husband and i get a income tax return can credit card company take the money out …

outstanding balance - electric company  
With my permission,my kids father used my name to get electricity. He racked up an outstanding balance of a little over $1,000. I want to move to a town …

OWED 
i owed 175 Dollars in taxes last year , im just starting to learn how to do them and what to do. I didnt have the money and eventually forgot which is …

Marry into debt 
My partnr has a house with an ex. If we marry can the bank chase the equity in what is currently my house to pay off the mortgage on the house he has with …

Social Security and Air Force retirement 
My husband only has Social Security and Air Force Retirement. He suffered a stroke in April 2010 that effect his thinking, actions, and speech. The Social …

Settlement Paid 
I just paid a settlement amount on an old debt because the collection agency was calling my husband's brother in another state and his wife was making …

I was never told of a court date!!! 
I by myself made a contract that went defaulted due to no job, for that reason I cannot get a divorce no money anyway, I was the only one that signed that …

Collection after 1099c? 
I received a 1099c from a finance company almost 3 years after a repo and paid the taxes. Can the company still try to collect or sell the debt?

advice? 
I was rushed to the ER on February 26, 2010 due to ovarian cysts that were leaking fluid and caused me to be in extreme blinding pain, I couldn't even …

HOA fees 
We owe 3 months worth of HOA on our home that was foreclosed. Our past due account has been forwarded to collection agency, who is asking for 3 times the …

Written Contract in Florida 
I personally guaranteed a piece of computer equipment (automatic dialer) while doing business in the state of Florida. The business was shut down and I …

car loans in indiana 
how long can i be sued for a car repo?

Civil summons without prior contact? 
I just have received a civil summons regarding a credit card debt that still is within the SOL.I have not ever spoke with the attorney on the telephone, …

i want to pay for my debt  
i want to pay for my debt now but i lost all the information about my debt collector, how can i find out?

levy on bank account for IRS 
I just receive a notice of levy. My girlfriend and I share a bank account where she is the primary. Can the IRS collect money from our joint account?

Wrecked car filed under Chapter 13 no insurance 
I wreked my car that was filled under chapter 13. Due to job loss; I did not have insureance on the vehicle whe I had the wreck. The car is totalled. …

summons 
I just got served court papers for a debt i have with dell finacial can it still be negotiated without going to court

jewrly store taking me to court 
what are my rights

CAN BILL COLLECTOR COME TO YOUR HOME AND ADD $50 TO BILL FOR COMING? 
CAN A BILL COLLECTOR COME TO YOUR HOME WHEN YOU ARE 30 DAYS LATE AND CHARGE$50 FOR VISIT ADDED TO YOUR ACCOUNT NOT IN THE CONTRACT

Finance company giving information to my roommate 
I owe on my car payment. I am waiting for them to come to repossess my car. The finance company has called and talked to my roommate about this. They …

Garnish SS benefits 
Illinois Public Aid said I owed them money for an over- payment from over 20 yrs ago. I appealed it and was waiting for my hearing, and then received a …

Hospital threatening to put a lein on my home... 
If I own my house free and clear, can a medical collection agency put a lien on my house? Or is this simply an idle threat to scare me?

Debt Sold to Collector in Another State 
My debt has been sold to a collector in another state.Is there any chance I would have to travel to that state for this debt?

15 year old credti card debt 
I received a phone call from someone who stated that I owe a debt from the year 1995. What are my rights? Is there a statue of limitations for Massachusetts? …

Getting an auto loan while in bankruptcy 
My husband and I are in a Chapter 13 bankruptcy. We need another car but our credit union won't give us a loan. We have a small amount of money - about …

What type of income can debt collectors take or freeze ? 
My question is can a collector take money or freeze an account that was made specifically for school loans to go into? My school is giving me the option …

Sued by Chase bank but I'm judgement proof 
My father was in a car accident 3 years ago which left him blind/disabled and unable to work. He lost everything and now lives on SS and a small pension, …

Need to find AZ attorney willing to take on SBA 
I see that I can set up a free consultation with a bankruptcy attorney through the referral service you offer, or can check with the National Association …

Sell Your Home 
My friend was married for 40 years before her husband died. The house was paid for and in both their names. Now it is her house. The bank finds an outstanding …

Old Debt Became New Debt 
Can a debt collector give an old debt from 2002 a new account number, and say this debt was opened in 2009? The person who is being sued know that no account …

My Wife's Debt 
I have just found out that my wife has got us in loads of debt. How can i find out how much debt we are really in? She wont tell me.

Old Tuition Account 
I received a letter from a CA in September 2010 that was sent to my parents address where I have not lived for 6+ years, for a tuition account from 2002. …

Which state laws apply (mine or creditor) 
I live in New York, which adds an original creditor in the State FDCPA. If I feel I am being harassed on the phone, do the rules come form MY State …

Credit Card After Spouse Passed Away. 
My late spouse passed away a month ago. She have some credit card balances. The bank have already closed her account, and gave me the balance which was …

Collectors giving my underage child details of my default loan 
I live in KY. I financed a car thru a local financial service about 2 years ago. I recently had surgery and was not able to work. I fell behind on my payment …

Credit Report Question 
I was looking at my credit report and I see that there are 2 debts regarding the same account. In the potentially negative items area in my Experian credit …

Collectors and My Pension Check 
I have a small 616.00 a month pension I get from Central States and I receive a social security check each month. This is my only income. I have …

Garnishment of Pension 
Can a collection agency garnish a pension check?

Could I settle with the debt collector...  
I received a small claims summons from JP Morgan credit card in Illinois the court date is on 12-01-2010 should I get in touch with the collector to settle …

chase bank had summoned me to civil court  
and 3 mo. later to general sessions!!!!!! i live in Tennessee and SSDI is all my income. I cant afford bankruptcy. What will they do? To go to general …

End of Lease and I Cannot Pay 
I have a car that the lease is up on and I owe almost 8000 in mileage and takes i am on Social Security and cannot pay this what can they do?

Can Collectors Take My Wifes Car? 
Can collectors take my wife's car, if i owe credit card money?

Paying for a car and don't know how much I need to pay. 
I verbally agreed to purchase a car in 2008 from my ex-husbands parents and have been waiting for a contract and payoff since then. I have requested the …

Garnish income tax 
i wrecked a car that i was still paying for. the loan company sued me and now i have to pay them back. Can they garnish my income tax because of this? …

Judgement supposedly issued, but not on my credit report? 
In November of 2009, I received a letter in the mail from collection agency XX stating that a judgment had been issued against me (relating to a credit …

check debt collection 
how check my debt collection?

hospital bill 
My husband was out of state and since he is the only one in the family who doesn't have health insurance he found it necessary to go to the ER. I submitted …

$6000 Credit Card Balance Want to Settle 
Divorced July 2009 Total debts as of October 2010 $5,000.00 credit card Home Depot Stopped payments $1,000.00 credit card Lowe's Stopped payments …

AZ divorce NJ debt 
My husband and I split in 2/09. He left the country and left behind $$$$$ of credit card debt. We were married in NJ in 1992. One card was opened …

How can a hospital collect debt? 
My husband has about $35000 dollars worth of medical bills from about 5 years ago before we were married. They served him once, he did not show up, then …

Collecting a Judgement in CA 
Can survivor benefits be levied if there is a judgement against you?

Am I Considered Judgement Proof...? 
I am being sued by Asset Acceptance in Florida. They are claiming I owe over $3000 for a credit card. I have never been served or received a certified …

Joint account and collections 
Can a bill collector for one spouse put a lien on a joint checking acct?

broken lease 
can i settle for a portion of balance due with collection agencies???

Statute of Limitations Rosenthal Act 
According to your e-book if a collector has violated my legal rights under the FDCPA I have one year to sue a collection agency but what about the Rosenthal …

Protections For A Business 
Can a collection agency threaten or use fowl language to collect a debt from a small business owner? I know they can't do that for a personal debt but …

debt collector refusing payments we can afford 
hello, long story short i am court ordered by a probate judge to pay debt that was filed in a bankrupcty due to a divorce the card was 6800 and now its …

Which State Laws Do You Follow 
If you entered a car loan agreement in Florida but now live in Texas which state laws do you follow? The state in which you live or in the state the debt …

Balance After Vechicle Turned Into Bank By Me 
I turned in an 08 dodge pick-up truck in mint condition. Balance on loan was about $22,000.00 They sold at auction , they said and got 11,000.00. Can …

Don't want to go to court 
What will happen if i don't show up to court if I'm being sued?

Re-affirm MC loan after chapter 7 discharge 
I recently filed chapter 7 bankruptcy, and did not re-affirm my motorcycle loan with Yamaha- GE Moneybank. My bankruptcy will be discharged in a few days, …

Deficiency balance 
I had to sign the mortgage on a house my husband who was just killed let go into foreclosure, but I did not sign the promissory note. Am I now liable for …

Judgment against me for an old loan 
My spouse is not on this loan. My car is paid for, and it is in my spouse's name and my name. Can they take the car?

Home Loan in Limbo 
When does the time run out on trying to collect on my home? Finance company has not tried to collect or foreclose at all. It has been 10 years since this …

can debt collectors garnish my bank account if the debt is over 10 years 
can debt collectors garnish my bank account if the debt is over 10 years

No Security Deposit Required 
I rented an apartment, no security deosit was required. Moved out, cleaned the apartment. Now after 1 1/2 yrs., I received a collection for $350.00. Also, …

Crapped out..... 
My question is, Prior to 1991 are gambling debt's from a NJ casino not enforceble in the state of Massachusett's? I was reading that gambling debt's were …

I got a civil Summons and now a lein on my house 
I got a civil summons back in August for an unpaid credit card balance, in the amount of $14000.00. I contacted the attorney/company handling this collection. …

Can debt collectors come to your home or place of business? 
Can debt collectors come to your home or place of business to collect a debt? I have had this happen to me. It is embarrassing to be sure, but more …

Selling My Debt 
help i have been paying nco financial in canada and i am disputing the amount they say i owe.i have been in contact with consumer protection in new brunswick …

Over ten years ago  
I live in the state of Washington. In 1999 I filed for divorce, in the decree of dissolution my now ex-husband was ordered to pay one finance company which …

Civil Summons! 
If I have a civil summons served to me, can they hold my income taxes when it is filed?

Old Student Loan 
I have a student loan over 20 years old and the agency is now calling me and pressuring me to pay i want to know could they touch your bank account now. …

Collection Calls before bill is due? 
I have a medical bill, which I received a bill in the mail for, due date: October 26th. On the bottom it states that if bill is not paid within 10 days …

can a debt collector take money out of my checking account? 
If a judgement is against me, can the debt collector take the money out of my checking account? Do I have a right to keep a certain amount of money in …

My Truck Was Repossessed  
My truck was repossessed in a year ago and i received a summons dated in July, and its October 19 now, that states i owe the remaining four thousand some …

Can they renew a judgement? 
Unbeknown to me I had a judgement against me from 1990, it was from a casino in New Jersey. I was never informed of the debt at the time I was living in …

information subpoena 
A debt collection law firm has a judgement against me for credit card debt. I receive Social Security and a teachers pension. I just received an information …

Wage Garnishment alternative 
I have a wage garnishment notice, went to court, filled out an order to show cause that i just could not afford the amount they were going to take, rent, …

Company out of business trying to collect a disputed debt 
We received a collection notice from Hollywood video today - saying we owe over $133 because we supposedly never returned some movies. We returned them! …

old credit card 
I had a credit card years ago with Providian Bank. The credit card was sold to a collection agency. Because of financial hardship i stop paying. My original …

Payment Refusal by Debt Collector 
If a debt collector refuses to accept a payment does it clear the debt you owe?

credit card debt in colorado 
statute of limitations shows 3 years please verify 3 years in colorado13-180-1

i have a summons, but i moved out of state. 
I have a summons for a hospital bill, but i moved over 20 hour away, so I can't got to the court date.

sent to collection almost 3 yrs later, never rec'd a bill. 
I don't blame the collection agency, they were fine, went to the er, needed stitches and verified my ins with the hospital. Ins pd the hospital bill. …

Bank account attachment? 
I have a small savings (about $4000) and live on a small County pension as well as SS Widow benefits. A collection agency with a very bad reputation (FJHanna) …

ssi and safe deposit box 
Yesterday a debt collector froze my safe deposit box. Can they do this? I am on ssi!

LINE SALE ON OUR HOME HELP!! 
So we financed some windows for the house about 2 yrs ago, everything was good till we got laid off work, we had to go bankrupt chapter 7, in which we …

Got a debt collection letter that's 16 years 
Hello: I received a collection letter from an account that is over 17 years ago. Is there an age limit on old account> This doesn't show on my credit …

Do I Have to Pay My Deceased Spouse's Debt? 
If my spouse dies, do I have to pay his credit card debt if I am not on it?

Garnishment of payroll check 
We have an account with American General. One of our cars is our collateral. We are making payments every month but are $300 short of being current. We …

collecting debt after garnishment 
After a debt collector has garnished my bank account can they still collect more money or put a lien on my house.

forclosure on home when husband is on active duty orders 
My husband and I have been unable to make our mortgage payment as of January of this year due to the fact that they raised our payments without notice …

order to withdraw and deliver from bank account where mlitary retirement pention is deposited 
Can a state government agency place a order to withhold and deliver on a bank account where a us military petition is deposited? This has nothing to do …

loan 
i owe money from a school loan, they called me saying it was going to court if i didnt pay. they told me my wife is responable too even if we are seperated …

Sued in Texas 
Hello, I had an account for a motor bike in Nov. 1994 in Texas, I moved to Minnesota in 2000 and had to file bankrup in 2004 but I did not know I still …

Collection Agency will not accept reasonable payment arrangement 
I owe for breaking an apt. lease $3,218.00). I want to pay it back, but the collection agency made unreasonable downpayment to start repayment. I am …

Debt Over 9 Years Old 
Can a debt collector collect on a debt over 9 years old?

negotiating a settlement on past due debt 
I want to get someone to be a laision to settle some debts at a much lower rate of payout.

Debt collector trying to collect debt I was not aware of. 
How long does a debt collector have to file a lawsuit against you when they have not contacted you for 6 years that you owed the debt?

Old debt when a minor 
When I was younger (16-18) I applied for numerous credit cards. At first, I paid them religiously and always paid more than the minimal payment. After …

Calling a family member  
Calling a family member that has nothing to do with finances of this household

Money Owed to an Apartment 
I was living with a roommate in 2008 (in Scottsdale, AZ) in an apartment which had both of our names on the lease. I moved out and regrettably did not …

can amsure collections take money out of my pay 
can amsure collections take 30% of each of my pays to pay my debts to them cause they said they were going to do that cause its been there so long i live …

Back Child Support 
The State of California has just attached 15% of my Social Security Retirement Benefits for back Child Support...This is creating a financial hardship …

Which sol applies Michigan or Florida? 
If we had a debt in the state of Michigan (furniture store debt) debt occurred about 5 1/2 years ago and we now have lived in Florida for over 2 years …

Apartment Debt 
I was evicted from an apartment in 2006 and have been contacted by debt collectors. I am not in a position financially to pay it off now, its over $6,000. …

Can we still keep our car after my husband filed chapter 7. 
Me and my husband bought a SUV, which is under both of our names, the car is already paid off. Now, my husband will file for chapter 7. My only concern …

Number of Calls 
How many times a day can a collector call the residence? How many hours in between must pass before they can call again?

Debt - Need to Find A Lawyer? 
I live in NY and am wondering how do I find a "good" attorney in my area to handle bill collectors and probably a bankruptcy? I have heard some stories …

Where is my debt? 
I have a debt in collections, but I don't know how to find it. Where do I find these? The collection agency has only called once or twice and I don't have …

Can 3rd party debt collector garnish my Roth IRA? 
Can a 3rd party debt collector garnish my Roth IRA in Ohio? Also can they take my savings/checking that contained unemployment and child support funds? …

Sent to collections while still in a contract. 
Can I be sent to collections by a company that I am still in a contract with? Even if I have made a payment within the last month?

u- haul truck rental 
If you rent a trucl from a u-haul truck rental company and you signed a contract, and you defaulted on the rental payment because you became ill can they …

What can I do 
A number of years ago I aquired a debt with a bank. A couple of years later a collection agency called about the matter. I set up a payment agrangment …

Debt collection repo 
Can a collector take my car?

Deceased husbands 5 yr old debt 
Sept 24, 2010 My husband passed away Mar 12, 2005. We had been separated for over 4 years. After I moved out, he had refinanced our home. My name was …

Gambling debt over 20 year's old 
I just received today a certified letter from Broward county fla., I live Manatee county which is on the other side of the state. O.K. So my question is …

Garnishments and judgements 
I owe $2900.00 bucks on some gym equipment, since the economy is off so much I have been scrapping to get by. I mentioned it would be a couple of months …

Debt Collecters 
I had a credit card that was charged off. It is no longer listed on my credit report. I have a collecter calling to settle. Do I have to settle?

Debt Recovery for Disabled Persons 
If a disabled person is not able to pay his debts (around $6-7000, then how can he repay it? The person is disabled and not able to get on his job. What …

Canadian who eligible for US Social Security Pension 
I still owe a federal government debt (loan) and it will not be paid off when I start receiving MY US Social Security Pension. Will they withhold all …

Can an old electricity bill of my husbands go onto my account? 
Two years ago my at the time boyfriend and I got an apartment and I put the electricity bill in my name. Soon after I got a letter stating I owed money …

What to say in letter disputing validity of debt 
I live in Illinois and received a letter stating I have 30 days to dispute the validity of a debt or they will consider the debt valid. I would like …

Can I settle my debt without hurting my wife's credit? 
I have fallen behind in my personal credit card payments. I am trying to I will be trying to use a debt settlement company to pay my debt. Will this harm …

Debt Collectors taking money from wages and account. 
Can debt collectors garnish my wages and take money from my bank account at the same time? I voluntarily gave my car back due to the fact of not being …

I have been receiving collectioon notices more and more frequently for someone who is not me. 
Where do I turn to eliminate the frequent collection notices I am receiving for a person who has the same first name as I, but not the same last name. …

no summons was served 
can a judgement against me be enforced even though I was never served a summons?

all i own is my car 
can a credit card company take my car if they get a judgement against me its all i have and will loose my work and not be able to go to doctor with out …

Can Collections collect on a Repossed vechicle.  
I had a car repo over a year ago in Oklahoma, with my mom as a co-signer, and collections has been calling her and harassing her, demanding payments or …

title for radsome  
I had two loans with a credit union for a car and a truck I paid the Truck loan off in full in 03/2010 in 6/2010 I lost my car to repo. they will not …

Payment refused  
My daughter owes the hospital $150.00 she has requested to make 2 payments on this to pay it off and the hospital refused the payment stating they will …

Can't get paid collections off my credit  
What do I do if my debts are paid but it is still on my record (Credit Report) & I cannot establish credit until it is cleared off my record (Credit Report? …

Cannot pay bill for $1200.00. Law firm sends letter adding $300 fee 
How should I negotiate with a law firm that has sent me a letter to collect a debt that I owe. I am not diputing that I owe this $995.00. However presently …

Past Due Accounts that have been turned over to a colelction agency 
I had a past due account. and they called maybe twice i never recieved a bill. and then they turned it over to a collection agency. But isn't it true that …

Unpaid Ambulanc Bill 
Can an ambulance Company garnish your wages for an unpaid bill.

Debit collection 
I had a company after 16 years tell me that I owe on a bill from 1999. One, I did not live in that county in 1999 and two the bill is over 16 years old. …

negotiating business debt 
I owe $69,000. They will settle for 34000 but want 5000 monthly. This is for a business account. They say they will go after my assets. What does this …

Voluntary Liens 
Can a collector force you to sign a voluntary lien?

debt collection statute of limitations  
toll free # not in order?? need to know the debt collection statute of limitations for washington state

debt validation 
when is it to late to ask for a dv?

credit card n collections 
Several years ago I took out a Home Equity Loan with Bank of America. The agent at the bank suggested that it would be a good idea to pay off my credit …

Online Contracts 
Does the debt collector still have an obligation to provide a debt owed in writing if the contract was done online, called a paperless contract, but documentations …

Can a debt be sent to collection if we never recieved any notification of a debt? 
I received a collection notice from a debt collector for a school tuition debt owed by my stepdaughter's father. At no time did the school ever contact …

Can the SBA garnish a federal pension? 
Several hurricanes ago I accepted a SBA loan, in my name only. My husband and I lost everything we owned in Hurricane Katrina, house, jobs, and a good …

Just bought a house in FL- AMEX is harrassing me 
Can AMEX threaten to collect/ file a lien on my property if they have a credit card debt that is 12 years old in FL? And they can "rant and rave" all …

title with lien on it 
How do i get my title that has a lien one it from 1995?

phone bill 
hello i had a phone bill from when i was 18 it went to collections in june 2007 and the amount was for 514 dollers.... the collectors recently contacted …

Brother co-signed my name to student loans 
...without me knowing now getting calls from collections My younger brother co-signed my name to a student loan several years ago without asking me …

Percentages collection companies pay for bad debt/ 
What is the normal percentage of a bad debt that is paid by a collector to be assigned the debt?

Money owed with account number 
I owe money and have an account number but I ndon't know who it's with or where to send payment. Thank you.

Military 
My wife is in the army and i just got a call from a debt collection agency concerning a debt from feb. 2003. What is the statute of limitations on old …

debt collection 
am i in debt collections?

ex roommate and security deposit 
I live in New York State. My former roommate broke her part of our lease in an apartment, just up and left one day. I continued to pay the rent, then …

Interest on judgment debt 
about 5 years ago my husband cosigned for a vehicle for our granddaughter and it was repossessed and being retired and on social security we applied for …

can I get judgments vacated? 
Third party collectors have placed liens on my house for unsecured credit card debt that were written off in 2006.I didn't receive notice and didn't know …

Deceased mother's debt 
My mother (from Pennsylvania) recently died. We have learned that she was approximately$ 30,000 in debt with credit cards. We sent letters and copies …

revoking voluntary wage attachment 
can you really write a letter to online payday loan companies telling them you are revoking the wgae asst you signed when getting your loan..and what do …

Payment by Money Order 
I would like to help my son payoff an account turned over to collections. He says that he has not received anything in writing from this collections company. …

Oral Deposition and Subpoena Duces Tecum 
I attended the Deposition and produced as much documentation that I could (the past five years of utility bills? yeah right) and answered all their …

Overlimit fees and Past Due Fees 
Is there a limit to the amount of fees a credit card company can charge above and beyond the actual credit limit? I have a credit card that I've been …

Wife and I being sued for her ex husbands debt 
Yesterday my wife received a phone call from a collection attorney regarding payment on a credit card that she had with her ex husband. She has been divorced …

Tried to set up payment arrangements - Help! 
If I am being taken to court and I try to make payment arrangements and/or settlement offer and they refuse me, am I still responsible for the debt? …

Summons with no court date 
I was served a summons today and have 30 days to respond but I has no date to appear in court.

Is request for lower interest rate a negative on score? 
I have a friend who has about 80k in credit card debt. He has a FICO score of 650, but he needs to lower the rate on several of his cards. Would there …

violation of FDCPA  
Is a violation of the FDCPA has occurred how much time I have to sue a collection agency in California? I am located in California Pasadena If a violation …

Can my new husband be forced by debt collectors? 
I have an old council tax bill that has gone to debt collectors. It is for a period that i did not live in the property but my ex husband did and he did …

2 summons for the same debt 
Can an attorney for a credit card company file two summons for the same debt with two different amounts owed?

Mississippi State debt collection law and minor 
How often are bill collectors allowed to call you regarding a minor child? I have heard once a week.

Credit Card Debt Agreement 
I reached a verbal settlement figure of $1900 with the collector. When I confirmed the payment amounts and dates commencing with Sept 10 he wanted to change …

Refusal of funds 
I live in Indiana. I was on vacation in Florida and went to the emergency room. I was seen by nurse and doctor. I was there for 1 hour. I was given eye …

HOA Debt After Foreclosure 
I live in California. I filed Ch.7 a year ago. I have paid neither mortgage nor HOA for more than a year. Thus I owe post-petition association fees. I …

Can a debt collector tell my mom we owe money ? 
A collector called my mom and told her he needs to find me because I owe thousands on a credit card. Is it legal for them to do that? If not, is there …

SOL on Credit Card debt in the state of Missouri 
How does the state of Missouri view a Credit Card account. Is it a open-ended account or is it a written contract? I have two accounts that are 8 1/2 yrs …

OLD Electric Bill 
I was just sent a letter in the mail regarding a bill I supposedly owed from 1998 and this collection agency is willing to take half of it for payment. …

Getting Items Back... 
My car was repossessed and when i went to pick up my items my gps was broken... who is responsible for this?

PaYdayloan question 
I am in the state of Tennessee and have been receiving calls from a law firm called hoffman and schwartz who claim they are attempting to collect a debt …

Collector letter for debt not owed 
Last year I did not renew my home owner's insurance with Travelers, I went with another company. I sent a cancellation letter and have not heard anything …

Debt Collections Calls Won't Stop 
I have a person that continues to call me at home and at work. I have been turned into my supervisor because this person keeps calling, up to 10 times …

Bank Levy for a joint account  
If I have a judgment against me for a CC, can they garnish an account if it's my dad's but my name is on it? They have already tried garnishing a joint …

consent judgement in NC 
i live in nc and have a consent judgment from ge money bank, they served my summons to my house which i was not here at the time, i serve a copy of my …

sued 
A lawyer is sueing me for unpaid fees What would a judgement against me bring?

Debt Collection After Foreclosure 
I am being pursued by a Debt Collection Agency who indicates they represent the mortgage company that I had my rental with prior to forclosure. The foreclosure …

debt collection in Virginia 
How do you collect a debt through bank draft and what documents are needed?

Consumer Law Attorney 
Is there another name for a "Consumer Law Attorney"? I looked in our phone book, couldn't find one. I looked up the site www.naca.net, nothing would …

civil summons 
Will a credit card company settle, by letting you make payments, after they have sued you. How can you tell if it is a 3rd pary or the credit card company. …

biopsy bill debt collection 
hello! last year i was at my dr's office and she was requesting a biopsy for me, before the procedure was done me and my husband asked that how much the …

collection company has added to principal amount on student loan 
I am ashamed to say that I have an outstanding student loan from the 80's. My federal tax refunds have gone toward paying this debt over the years, but …

IRS back taxes 
Can I go direct to the IRS to negotiate a reduction or do I need an attorney?

Personal Guarantee 
If I am a personal guarantee on a credit account, can the company take property that me and my husband own jointly?

Settlement and Lawsuit Threat from Collector 
My son was contacted by a credit collection agency today that says it has been trying to get in touch with him for a long time and that they are offering …

Ex wife wants to pay an old debt 
My ex wife and I have an eviction on our credit reports. This eviction is going to drop off of our reports in the next 2 years. I had talked with a credit …

debt collection contacted us and said they would take the money out of socal security check 
can the treasury department deduct money from my husband's social security check that is deposited directly into mye checking account?

Summons received during 30 day validation period 
I received a court summons 28 days after receiving initial notice. Does this violate both federal & state FDCPA validation period? Thank You.

Collector freezes multiple acctts not attached to bad debt subject 
What legal rights do I have if my wife over extends her credit cards unknown to me, fails to show up at court appointment and collection agency is then …

Can my wifes vehicle be taken and sold to pay my debt? 
I have about 4 unsecured loans that I am probably going to be forced to default on due to financial problems (the mortgage beats out the credit cards). …

too people in a fix no gas/heat 
If you had a gas/heat bill over 5 years ago and you didnt pay it but to help to pay the bill my son put the bill in his name to help but a month ago he …

Creditor Locating Bank Accounts 
How can a creditor locate your bank accounts? I am using a debit card, but recently discovered that it does have a routing and acct # and is considered …

Filing on seniors 
Because of health issues, we have recently become involved in my in-laws finances in California and have found out that they have incurred over $30,000 …

debt collector refused payment offer 
i tried make arrangements to pay a 224.00 debt.the collector agreed to let me make 3 payments of 74.66.what he woulddn't accept is when i make the first …

5 year old debt in a state i no longer live in 
I have at least 5 year old debt when i lived in California. I moved to Idaho almost 5 years ago and I was wondering which state laws the timing falls under? …

14 yr old debt collection agency wants money 
Capital Management Services,Buffalo, NY wants me to pay 14yr old debt,I am 75yrs old only have small Social Secirity& civil service retirement to live …

Dealing with debt collectors even though bill is paid 
We recently have had a lawyers office from New Jersey call us saying that we owe on a credit card from 2001. In 2002 we got a consolidation loan and paid …

13 year old unpaid ticket 
I was in a car accident (not my fault) in AZ. I had valid out of state tags on my car and a valid license, valid registration,valid insurance. The …

8 Year Old Judgement in CA 
Do collection agencies/ attorneys have the right to garnish wages, etc. on a debt in which a default judgement occured 8 years ago in CA? The debt no …

What happens to store charge accounts 
I am in trouble with several store charge accounts that i can't pay now and i don't have some of the items as they were gifts and i don't think i can get …

Did collector buy debt or are they working for AmEx? 
How do I find out if my debt was purchased by the collection company or if they are really working for American Express? I have been paying on the …

Can I safely Buy a car? 
I live in Florida and I have several old credit cards that I defaulted on. I recently received a settlement from insurance from an auto theft and I want …

Sending someone to collections without notice 
Can you legally send someone to collections without notice?

Dollar limit on pursuing a claim? 
Is there a dollar limit of what can be taken to court? I had a debt, I went to court, the court said what I had to pay and I paid it, in the meantime …

Old Water Bill 
i recently received a water bill from a collection agency for a service that ended in 1996. i would think this is well past the limitations. i have not …

Debt made by someone else 
My sister in law was living with this guy, he had a phone installed in her house in his name. When they broke up, he left owing a phone bill. He took …

Student Loans and Bankruptcy 
Hello. I have read that most student loans are not dischargeable through Chapter 7 bankruptcy. How exactly do you find out which student loans are or …

can you get a jugment in tenn for debit made in va. 
Can you get a judgment in Tenn for debit made in Virginia?

Bank Account levy 
If your only source of income is Social Security and Retirement pension can a credit card company levy your bank account for the amount owed.

Creditor sending debt to collections without knowing that it was owed 
a company sent a debt to collections and never told me i owed it. I just receive a letter from collection an was unaware of this. Can a company send …

School loan twenty years old 
I have a school debt that was backed by government for 4600 dollars. Do i have to pay it? It is 20 years old.

Credit Card Debt 
My cousin is self-employed in Georgia; has two business credit cards, two personal credit cards, personal line of credit and a business line of credit …

Threat to garnish if I do not agree to autromatic payments 
A collection Agency, Jacob's Law/Group costantly says that they will garnish my wages if I do not make a monthly agreement to pay by automatic drafts from …

Bankruptcy and Motorcycle  
i filed bankruptcy on a motorcycle and was granted now they are after my cosigner what can i do?

House Foreclosure Florida 
If you have vacated a house in FL and now rent in GA, what kind of assets can a bank seek on a foreclosure, how likely are they to pursue those assets, …

towed cars debt? 
I've had two cars towed and the companies say I owe money. One happened in 2006 and the other was in 2008. How should I handle these? I was reading …

time share 
If we bought a timeshare that was tied to a house we no longer own what happens if we go into forclosure now? Will they be able to go after our new house? …

Personal Guarantee of business loan 
I'm filing chapter 7 bankruptcy in florida. i have a few credit cards that are in business name that i had personal guarantee. from what i understand, …

Long ago debt 
I have a furniture store credit card that went in to collections at least 10 or more years ago for an amount of about $15,000. It was one that was affected …

freeze a bank account 
in mo. can they freeze a joint bank account if only one person is responsable for the debit

Bank account 
I just pulled up my bank account to find a zero balance, I called the bank, and they withdrew money that was from a past debt on a credit card, is this …

Unsecured loans to young college student 
I previously submitted a question which was posted but when clicked, the link seems to be not working. I was very much looking forward to your answer. …

Over 10 year old debt 
How is it that a credit card company can can continue to persue a debt,(in CT), That is over 10 years old when protection insurance was paid in case of …

financial aid 
I have an attorney threatening to sue me over 175 dollars cable bill from four and half years ago. He has been sending letters to my parents because he …

Continued Collection Attempts After Agreement Is Made 
I recently paid an outstanding bill which included both principal and interest up to a certain date. I had indicated in my communication with the company …

Pass Debt 
My ex-boyfriend and I had a credit card in both our names. When we broke-up I agreed to pay-off the balance and when it was paid off, he agreed to close …

Re: Calif. Statute of Limitations for Debt Collection 
California has a 4 year statute of limitations for debt collection. I filed for Chapter 13 with a 3 year repayment plan and after my income dropped again …

Firing Collectors 
Do I as a consumer, have the right to get rid of a debt collector and deal only with the original creditor?

Debit Collection 
I owed orange phone company a debit about eight years ago they said my DD Neva went through and I told them could they hold the debit till I was home how …

time. limits 
How long does a creditor have to take action against a debt.

Giving personal information 
Hello, The debt collection ompany I'm dealing with want to: -Take a "financial statement", including where I bank, names and numbers for two personal …

Wage garnishment six years NY 
Can a bank garnish your wages after 6 years in NY State?

bankruptcy judgement 
In 1991 I had a bankruptcy judgment for a loan at Kays jewelry. It was never paid. This was in California. I now live in PA and am being pursued by …

Judgement set aside 
I was told there is a form letter I can send to the court to have my judgment set aside. Is this true?

How can i get a collection agency to send me a bill? 
Ive been off for a year couldnt work due to a illness nco finnacial knew i couldnt work ...this new collection agency never sent me a bill nothing .. The …

Is it a good idea to pay past debts? 
I found your website and hope that you might be able to answer this question. I am advising a friend regarding old debts that are 3-5 years old. He came …

Auto Repossesion 
What is the quick and dirty regarding a car repo? A vehicle was repo'd over 12 years ago when I was married. The vehicle was hers but the auto was in …

last activity date 
In 2002 my debt was delinquent at Scotia bank Canada. It went to collection in 2002. I started paying a law firm hired by the bank to collect the money. …

Debt Collector trying to take me to court for debt that is beyond Illinois Statute of Limitations and I had removed previously 
Hello, I have an old chase card account that is more than 8 or 9 years old and I recently received a summons by the company Asset Acceptance for …

husbands past 
I just got married and my husband and I decided to move into town. We went to hook up the electricty and the company said he had a outstanding balance. …

lawsuit 
A debt collector has informed me that they are going to sue me in 60 days for the debt I owe ( $16,000 unsecured). Exactly what does this mean? Can they …

negotiating a settlement on a debt with debt collectors 
i want to settle the debt but i want to do so by paying at least 25 per cent of the total debt. Is this possible and if so how do i go about it?

DEBT COLLECTORS 
CAN A DEBT COLLECTOR TAKE MY CAR?

Credit Reporting 
Is there a requirement that a patient be notified before an account is sent to collections or reported to the credit bureaus?

collecting debt for retired physician 
I live in the state of Oregon and a collection agency contacted me regarding a medical bill they state I owe. I asked them to validate the debt and they …

Stock in company 
If i have a judgment against me, can they go after the stock I own in my own company?

"Zombie Debt" collection 
An attorney has recently obtained an order to proceed supplementary to execution of a lien against me recorded on 10/1/96 here in Florida. It is my understanding …

Collection laws regarding consumer vs. business debt 
I have begun receiving letters from a company that has been "assigned" by a client regarding a past due account I had with the client. I had signed …

collecting from disabled person 
Can collection agency call disabled person and collect debt?

Not Living in the US Any More 
Greetings, and thanks for your website! I've just received a letter from an attorney representing the Attorney General for the State of xxx, …

Purchase of bank judgement 
My husband and I live in Southern Nevada. My husband received a letter dated June 29, 2010 from a debt collector informing him that they had recently purchased …

How do I fight the total amount asked for me to pay 
I am currently not working and was unable to pay a credit card bill. The amount is now double my limit and I know that it was not maxed out. How do I pay …

Title loan repossesion 
My ex and I both have our names on the car title (separated with "or"). He took out a title loan in only his name without my knowledge. He didnt make payments …

Possble lawsuit filed by Credit Card Company. 
THE last few days, I have been bombarded by solicitations from Law Offices regarding debt that is owed. They mention that there is a lawsuit filed by a …

Dept Collection from ROTH IRA 
Can the IRS collect tax debt from IRA (Roth)or any other retirement account that has matured for the past 5 years or more?

General Contractor hired Collection Agency 
A collection agency recently called to inform me that a general contractor I recently hired is trying to collect on money owed. I do not owe the contractor …

Nco financial systems claiming information was not received 
I have mailed out a wage verification form as well as copies of all monthly bills, copy of my lease in addition to a copy of my 2009 tax return information. …

Turned into Collections 9 days after Making a Payment 
When I was 16 I opened a tire account with a local tire store and signed a contract. 10 years later after always making my monthly payment and paying my …

Collector is calling my business partner 
Does a collector, Nationwide Credit, have any right to call my business partner to try to reach me? This is for an American Express business card debt, …

Monthly Payments and Collections 
Can you send someone to collections if they are paying you 5.00 a month and your policy is 50.00 a month?

Forceful 
If I am making monthly payments to the collection agency. Can I be force to give them my bank account information so that they can take money automatically …

30 Day Letter of Right to Dispute 
DO COLLECTION AGENCIES KEEP COPIES OF LETTERS THEY SEND OUT TO EACH CONSUMER? I NEVER RECEIVED A THE LETTER THAT GIVES YOU 30 DAYS TO DISPUTE THE VALIDITY …

Lein against my home 
My 74 year old husband passed away a month ago. I am getting phone calls from credit card holders and collection agencies. How do I handle this with a …

Reselling of collection accounts 
I have several entries on my credit report from accounts where the first date of delinquency with the original debtor was well over seven years ago but …

Judgements 
How long can a judgment last in Indiana?

A Collectors Rights.... 
When working first party auto collections ... they give us a script to say on every peoples voice mail regarding the customer account.... I have done collections …

DISABLED PERSON HAS BANK ACCOUNT FROZEN IN ALBERTA 
Can a collection agency freeze my bank account that my AISH check was just deposited into without any warning or notice or anything? It was stated to …

Two Judgements on Same Debt 
Can a company issue two judgments against the same debt?? They had one judgment entered against me then had another judgment added for real property or …

Sallie Mae Third Party ACT Debt Dollectors  
Does a 3rd party have the right to garnish my wages for Sallie Mae who claims I owe them 21K from over 12 years ago? I paid them of in full in 2001 with …

Can collector refile on my credit report? 
I have disputed a collection account listed on my credit report to all three credit bureaus. They have all deleted the account, but the collection agency …

unknown title 
can the Canadian collection agencies able to take direct money from my disability check ?

How Far Back Can A Debt Be Collected? 
I got a call from an agency that said they represented Verizon wireless and that I had a past due amount with them, going back to 2001 for $1907.04. …

Statute of limitations ended 
I keep receiving letters from multiple debt collectors for a cc debt that is over 15 years old. The cc co. wrote it off years ago & it harmed my credit …

Collecting on Debt 
I have an Order from the Family Part in New Jersey against my ex-husband for $3,000. The guy won't pay the money. I know where he banks, where he works …

Garnishments 
I want to pay the garnishment, but would like to have some of the interest and charges reduced. Can this be done and how?

Can Government Garnish for Back Taxes? 
Can the irs garnishee Social Security or government pension for back taxes they claim you owe?

HOA fee 
My house is in Nevada, and I was behind Homeower Association (HOA) fee due to divorce. I sent in a $200 to catch up the late before a collection agent …

Disputing the Validity of a Debt 
I received a phone call from a law office about a payday loan that I supposedly took out for $274 5 years ago. I have never been contacted (to my knowledge) …

Send me your paystub or income tax return 
A debt collector who is representing the bank holding my second mortgage is demanding that before they will take anything seriously that I must submit …

Wage Garnishee 
Can they garnish social security or government pension? If so how much?

Statute of Limitations in AZ 
I found that the statute of limitations on open - end credit (credit card debt) in AZ is 3 yrs. I also read that AZ is 1 of the states in which a partial …

Pay Stub 
I have set up a payment plan with the collector it has been around 9 months now and they are calling me trying to get me to pay a bigger monthly payment …

Being harrassed by debt collectors 
I bought a house out of foreclosure and now the debt collectors are calling me for the former owner's debts. How can I report multiple debt collectors …

Collecting Foreclosure Debt 
I purchased my first home in Sept. 2005,I was only making $14 dollars an hour and bought a $111,000 home. Six mo. after purchasing we got hours and pay …

Debt Collectors and Liens 
Hi my question is after a lien has been put on your house or property can the debt collectors start trying to collect said money again over a year later? …

Heating Bill Collection 
Need help paying a heating bill that's 5 years old. I am disabled i don't have any gas/heat because of that collection bill i need to cook and bath.

Do I have to tell them my employer to set up a payment plan? 
I want to pay the debt. But obviously can't pay it in one payment. The debt collector is willing to set up a payment plan, but they say they need to know …

Vehicle left at garage 
A customer left a 1967 VW for repairs at my shop in 1983, after a very long time the vehicle was crushed. Now he is wanting payment for the car. What …

Summons to Court From Paragon Payday Loan Collectors 
I have been receiving numerous calls from different people from a collection agency which state they are a law firm and have attorneys, but they are telling …

US Treasury Offset Letter 
Can the debt collector take more than what was stated in the original US Treasury Offset Letter? The agency states a balance of .10 cents was still owing …

Threat of Lien for Credit Card Debt 
I have worked out minimum payments for a limited time or until I can pay my debts in full, with all of my creditors and collectors except one. I owe …

15 year overdraft bank 
Am I responsible for an out of state overdraw not made by me? Bank has no record back 15 years ago.

MICHIGAN UTILITY DECEPTIVE COLLECTION 
I recently became a new customer with Semco. At that time, I was required to provide a $130.00 deposit even though I never had service with them. The …

Paying but being harassed 
I have been paying on a medical a payment every month when they called me they asked me for $175 each month which I can do with eight children can they …

Credit Reporting After Settlement 
I made an agreement for a settlement on a collection with Jefferson Capital which they took the money out of the bank account on the 20th of May 2010 but …

Disputing Debt letter to collection agency 
I received a letter from an attorney stating that I owe them a sum of money from a credit card I stopped paying almost 3 years ago. The letter said that …

Collector Threatening to Sue on Expire Limitation Debt 
My husband has an debt dated by in 1999. His last activity on the account was in 2001. I got a message stating that both my husband and I were being sue …

Debt Paid in Full but Credit Report is Not Updated 
What do I do when a collections agency will not send confirmation that a debt has been paid in full (actually more then owed,) and has not reported to …

15 year old credit card debt 
My ex wife had opened a credit card under my name over 15 years ago, i found out about it when it went delinquent. I have never heard anything about it …

Lien on my home in Florida 
Can an unsecured credit card issuer put a lien on my home?

collector asking for paystubs 
I am trying to make an offer for a settlement with a monthly payment option. The collector is telling me that I need to submit 3 pay stubs as proof of …

military personnel overseas 
I had an apartment room rented with 2 other people I had to go overseas for a year and I informed the landlord as well but that person didn't help me one …

Statue of limitations- massachusetts 
Is there a statue of limitations on bring a lawsuit for collection of balance due to a university. No loan involved just outstanding balance. If so, when …

Old Account Just Won't Die 
I have a very old bill that I settled on 15 years ago. My daughter bought a car when she was 17. I signed the loan papers, she stopped making payments, …

Can they do this? 
I received a call from a sick relative today telling me that a person was trying to get in touch with me. They went on to say that this person wanted my …

Collector asking for my paystub 
I am trying to make an offer for a settlement with a monthly payment option. The collector is telling me that I need to submit 3 pay stubs as proof of …

Services Not Rendered 
Can a person be turned into collections for services not rendered?

While I was enlisted, I had a cell phone contract  
While enlisted, I had a cell phone, I did make the company aware of the fact that I was enlisted and that I was not interested in a contract, nor does …

What if they refuse an offer to repay? 
I am dealing with a debt collector on a bill that is only 6 months old. It is Franklin Collections out of Mississippi. I am trying to arm myself with information. …

gas/heating bill in collection 
in 2005 the building i lived in did not have instalation in the whole house i didnt know that until the gas people came out to look at the meter i bought …

i cosign for a vechile  
i cosign for a vechile and the person did not meet the payment requirements, and now there is a civil case against me. Iam on a fixed income with S.S. …

Garnishing spouse's wage in community property state 
We live in Idaho and my spouse is being sued by a debt collector. My spouse is unemployed but I am not. Being that Idaho is a community property state, …

Department Store Charge Card 
I had a department store charge card out of Virginia that I opened up back in 2002. About 2 or 3 years later I was no longer able to pay on the card and …

harrasment 
I leased furniture from a company and missed a payment. Associates from the company have showed up to my work three times and talked to me infront of my …

MIXED UP 
i was pressured by a crediter from a bill on a jet ski that my ex husband sold and still owed a bill on.i gave them a 21,000 dallar post dated check. or …

Money in account 
My mother-in-law died in January, 2010, she has 6 different medical bill outstanding for various providers, she live with us for the past 4 and a half …

Checking Accounts 
Can a debt collector freeze you bank account without warning?

child support 
Can a bill collector take my child support? Its on a card credit card that has a balance of $7000.00. Have not paid on in over a year

Change of Debt Collector 
After making an initial payment on a debt, I received a letter from a different debt collector for the same debt with addtitional fees added. I was never …

girl owes me $5000 
I took a girl to court that owes me $5000 and she didnt show up. I hired a collector but, she doesnt have a job or money in a bank account

Hospital bill Judgement 
My husband had a heart attack 1 1/2 years ago had no health insurance and was laid off from his job shortly after. He found work but is self employed and …

collection from granddaughters utility bill 
My granddaughter use my Scial Security number to open electric account but used her name and my social and now the account is delinquent. Will it go on …

GMAC Smart Buy Car Loan 
We purchased a car under a GMAC Smart Buy - lease with option to purchase with a balloon payment at the end of the contract. We could not afford the payments …

Are social security direct deposits safe from collectors in Illinois 
Are social security direct deposits in a checking account safe from seizure by debt collectors if the funds are not co-mingled by other deposits and the …

Past due account with west florida electric. 
I have a past due account with West Florida Electric. They are threatening to take me to court over a $600 bill. We no longer use them as our service …

care credit lawsuit 
is there a pending care credit lawsuit that i can get jnvolved in?

Can debt collectors take money from my checking account? 
I live in Ohio, got injured at work---needless to say, credit cards took a hit! I am still not able to work and receiving calls,letters from collectors. …

uncllectable debt 
How long after a credit card debt becomes delinquent does it become to old tobe collected? I live in Oklahoma and I read it was between 3 to 5 years.

Military retired pension 
can a debt collector garnish a military retired pension

how to contact collection agency 
If your credit report states something has been turned over to collection agency how do you contact them?

adding interest after debt is in collection 
Can a business owner continue to pile up interest on a debt once he has placed it in collection?

confidential information 
Is it a fair debt collection practice if my employer informs the creditor itself i.e a different company about my work hours and payments made to me?

Car Loan Creditors for Ex 
My ex and I are cosigners on a van he uses for his business. He has roughly four or five insurance companies he works for, and a local newspaper as an …

Admin found credit card debt that's 7 yeas old. 
My mother-in-law died in January, 2004. At that time she had no assets and therefore had an insolvent estate. She had a bunch of credit card debt and doctor/hospital …

Disable brother getting 10 calls a day 
Hello, My question is about credit cards collections. My brother is 67 years old, on a fixed income and has had three heart attacks, diabetic and now …

Repossession of Vehicle-Cancelled Debt? 
How do I know if my debt has been canceled from the collection agency? I have moved and they don't have my new address. I have not received a 1099 from …

student loan debt and irs 
If i am due back child support that was already intercepted from the absent parent's tax refund and i owe student loans will IRS intercept the money from …

Privacy Question 
Can a banker tell people other than yourself information about your debt?

real property 
I have 3 default judgments against me due to being unemployed. If I die, (The mortgage is solely in my name and the bank note. Does my husband have to …

Number of daily phone calls 
For 2 months I have been trying to negotiate a one month deferment,due to a medical emergency,with Santander who recently purchased HSBC auto loans. I …

how come a 8 year old foecloser hasnt come off judgement in the state of indiana 
How do i get a foreclosure off in the state of Indiana? It's over 8 years old. I paid an attorney.

Can a debt be colected after 14yrs? 
I received a phone call today April 29,2010 about 14 parking tickets from an old resident and vehicle that I use to own. The tickets are back from 1996. …

Bank account  
I have a debt that is over 7 yours old. It was a charge off from a car repo. My bank bought the old bank that had my old loan. Yesterday that took a thousand …

Is It Legal To Charge Fees On Inactive Accounts 
i hadn't used my TD bank account for several month maybe close to a year....... when i went back to work and submitted my direct deposit information everything …

misled 
I have a 4k debt from a credit card company, who sold it to a a debt collecter. My question is, I agreed to a certain amount each month and they have raised …

Garnishment  
How to I get out of paying a debt that I can't no longer afford

How much do I owe? 
My debt was sold to a third party for collection. Since the debt was bought at a value less than the original amount, do I have to pay the original amount …

Arranged payments and still receiving calls 
My mother had some medical bills go to collections. She has set up payment arrangements with the company to be paid by a specific date, yet they still …

Tried to make payment arrangement 
I live in Tennessee.I had 3 accounts with a payday advance company.The amounts were $230, $205 and $204. The amounts they are trying to collect are $260, …

Lien laws of personal property 
My husband receive a lien letter on his personal property and my name is on the title of my truck as well as his name will they take my truck?

Debt summons 
How do I know if I've received a debt summons? I defaulted on a couple of credit cards in 2001 in AZ, but have not lived in AZ since 2002. My mail …

Is there a time limit for collecting old debts? 
I live in Indiana. A collection agency file suit against my husband and I about 16 years ago for unpaid medical bills. I don't remember the original amount, …

debt collection concern 
Hi Gerri, thanks for your answer, but I am being SUED by the creditors. I failed to pay for my bills. I am going through a financial hardship. My main …

Can a roommate withhold your security deposit after you break the lease if she also breaks the lease a week later? 
Can a roommate withhold your security deposit after you break the lease if she also breaks the lease a week later? My ex and I rented together from …

Can I collect debt from ex-partner for item purchased together? 
My ex and I purchased together a $3,200 king bed in 2005. We separated in 2007, she paid me $250 towards my half and kept the bed. I could really use …

Can collection agencies finde my social security number? 
Hello, I moved from Germany to NY two years ago. One year ago I had an accident and end up with a huge emergency bill. I really do my best but right now …

debt collectors for deceased brother 
How can my mother stop debt collectors from calling regarding my deceased brother?

foreclosure 
How do I get a 12 year old foreclosure off court records?

collect a dept on a dept. 
Which article of the laws of michigan says that a dept collect cant collect a dept on a dept? It is against the law to do so?

judgment and collection 
I had a credit card that was past due. My wife was down on it as an authorized user. A law firm secured a judgment against her. We have a joint account …

Sued While On Public Assistance 
I am on public assistance.I know when you get a summons from the court they ask if you are or any other listed categories that may be checked that are …

debt settlement Company 
I live in NY, and I need find a good settlement Company, could you recommend one?

In-Laws debt transferred to my husband? 
Moved to Cali from WI in 2007, lived in home with in laws, nothing but Time Warner in our name. Now, moved into a new home w/ inlaws (both in failing health), …

Filing on senior citizens 
My mother is 80 and my step dad is 83. He has been in the hospital several times in the last few years. My mom is telling me that the hospital has turned …

repossed car from 1992 
A unpaid balance for a car that was reposesed during a divorce in 1992 has recently been brought to my attention. It was never reported to the creddit …

Garnishment of SS Disability and Private Pension Funds 
i received social security disabilty and a private pension in the state of va. i received a garhishment from captial one. can they garnish my payments …

collecting a court order 
I have a court order stating jp morgan chase owes me money but I have no idea how to enforce it

Judgment against one party of a JTWRS 
My husband, son and I are both on the title to our mobile home (no land, just the mobile home) with JTWRS. The son has a credit card collection judgment …

Collection account paid 
Can AT & T wireless collect on a delinquent account that I owed to them and settled with a collection agency collecting on their behalf?

7 year old NSF payday loan check 
Can you be made to pay for a check that was written in 2003, for $900?

calls at work 
are they allowed to call you at your place of employment?

Credit card debt 
What is the best way to start paying past due credit card debt when you can't afford what the cc companies state is your minimum?

Place of business 
Can a bill collector show up at my place of business to collect payment for a bill due not related to our business?

How do I know if I am in collections? 
How do I find out if I've been sent to collections?

Credit Card Debt From Ex Fiancee 
In 2007, my now ex fiancee forced me through physical means to sign an application for a credit card. Upon receipt of the card, which he kept in his possession, …

Concern 
Can a debt collector wipe you out from your own checking account or savings account without any approval or notice?

Wakefield and Associates 
My ex wife financed braces for my daughter while we were separated without my knowledge, or consent. She has since defaulted on the contract. I am now …

Debt Collectors  
I have debt and a joint account with my girlfriend and she also has a separate account. Can they take money from her account t if I'm not on it? In Florida? …

A student loan over 10 years old 
I got married 5 years ago and my wife who had a 10 year student loan she never paid and every 6 months or so we get a random letter saying this will be …

Garnish IncomeTax after loan sold to collection agency 
My student loan is in default. They are taking my share of income tax return every year. They have sold my loan to a collection agency. I would like to …

time til debt falls off or can not be collected by collectors. 
I have debt collectors trying to collect debt from 2003 back to 1992. Can I dismiss this claims and if so how?

Judgements 
If you get a civil judgemen against you can they take money from your checking account in texas

Debts not in your credit report. 
Hi. I have been receiving phone calls from a collection agency about two bills that are from the same year around the same time- but I have no memory of …

Two Debt Collectors for the Same Debt 
My husband and I live in Arizona and received letters April 1st and April 9th 2010 from two separate debt collection agencies concerning the same debt. …

Unwilling to Reason 
If notifying your credit card company of a recent change in your financial status and requesting a reduction in your annual percentage rate (which is and …

my debt is longer than four years, do i have to settle? 
my debt is longer than four years,do i have to settle?

a five year old bill lawyer trying to collect on  
We hired an attorney eight years ago to represent us as we had a renter that was trying to sue us. I sent him a retainer of 5k and then he ran up bills …

Grandsons bad debt 
My grandson has an apartment debt that is about 2 years old, it has been turned over to collections and I am willing to help him with this. Can he call …

co-signer for ex wife on van 
My boyfriend was married to a girl who bought a van and he co-signed for it. They divorced. She didn't pay her car note so it was repossessed. Now, …

Student Loan Cheques Debt Questions 
My girlfriend got a student loan to go to college, she decided not to go to college and never cashed the cheques. She mailed them back to the student loan …

Workplace Harrassment 
I had a collection agency call me at work quite a few times. I didn't know the number, so I called it back after them calling about the 5th or 6th time. …

Co-signer Responsibility 
My daughter at age 20 co-signed a rental lease agreement with her boyfriend at the time; they left the apartment before the lease expired. Now she's being …

Fees on Account in Collections 
Can they continue to charge late fee over limit fee and interest on account that has been turned over to a collection agency?

Collection Agency Letter 
Does a collection agency letter have to show separate on the letter any additional charges other than the original amount owed?

Garnishment of a PERA government pension upon filing a chapter 13 bankruptcy 
We are faced with filing a chapter 13 bankruptcy and I am wondering if a Minnesota PERA government pension can be garnished upon completion of the chapter …

Spouse Bankruptcy and Debts 
In California, if my husband files for bankruptcy for debts that are only in his name can the creditors attach my saving or checking accounts to pay the …

PATIENT/DOCTOR DEBT RESPONSIBILITY 
I work for at a medical facility & i have noticed that there are outstanding debts from 2003 onwards -- isn't there a time limit (statute of limitations) …

Disability and debt collectors? 
My mother has a bill in collections and she is on Social Security Disability. Does this collection company have the right to collect on this debt?

Constant Calling! 
Unfortunately my husband has collected several hospital debts which of course he never pays or very rarely. I, on the other hand have hospital debts I …

Collection Limitations in Florida 
I filed bankruptcy in 2009 and everything listed on my credit report was included. I recently received a collection notice for $2600 on a account that …

Check Endorsement 
Is it legal and binding to put on the back of a check "Endorsement and processing of this draft constitutes payment in full to xxxxxx, account xxxxx, without …

settlement 
I want to use part of my income tax return to settle some collection accounts. Is this a good idea? Then I was planning to borrow from my 401k and settle …

Debt Collection vs Harassment 
My mortgage is with CitiMortgage, I never pay my mortgage on the first I utilized the grace period and have it paid by the 15th of every month. CitiMortgage …

Collection Agency's reporting false information  
When a collection agency buys a debt, can they legally report on your credit report that it is a new debt with a new charge off debt. I have stuff that …

Cancellation of debt income 
If I make a settlement with a bank before I apear in court following a summons, under what conditions are the cancelled ammount reported to irs on form …

Collection on debt not mine 
I just recently pulled my credit and see that i have a collection account open on my credit for lawn care provided at a property i was staying at. However, …

UTILITY CO. WROTE OFF OLD DEBT-NOW TRYING TO COLLECT ON NEW ACCOUNT UNDER SPOUSE'S NAME 
According to SEMCO ENERGY, I owe app. $50.00 from an old rental. I was not aware of this until, I recently married and it appeared on the new bill which …

Car place out of business 
The car company that I purchased my car through shut down and dissapeared (went bankrupt) with no warning. Now we have a debt collection agency calling …

School Money 
My daughter has her school money deposited into her bank account. A credit agency came in and took all of the money in her bank account and now she is …

How debt collector find someone who don't have social security number? 
Hi, I'm an international student. Two years ago, I got sick and went to a hospital then the hospital charged me about $4,000. I couldn't afford to pay …

10-year old debt from a collection agency (from Capital One Bank) 
Hi Gerri, First I am trying to correct my credit issues by paying cash for my needs, also I don't have any credit cards to use. I just received …

private student loans 
I currently have a couple bills at the debt collectors and a couple bills that will more than likely end up there soon. I am a full time college student …

Credit Card Debt - Should I Let Them Sue Me? 
when you receive a summons to appear in court,should you show up or should you ignore it?unemployed and have no money to pay debt,should i allow a default …

payments 
If im making monthly payments of 50.00 on a pass due account monthly, is the company still able to send me to collections?

Debtor threatened with jail 
The Attorney generals office in N.C. person said I would be put in jail for 'contempt of court' if I did not fill out every piece of paper they sent to …

Hospital Debt Turned Over to Collections 
I had surgery in Nov. 2008 and have been making payments since. We paid what we could afford from $300 to $50, it has now been placed with a collecting …

Summons for Judgment 
I was served a summons for judgment. Old doctor bill for $1,000 approx. a year ago. I have 20 days to respond. I called the attorney listed who said I …

Is there a statue of time limitation for federal indebtness 
After 14 years my federal employer is claiming they overpaid me for a housing allowance. The payments go back to 1996. They claimed they contacted me …

Execution in court 
I had to go in front of judge and answer ? about my assets. Can they go after my wife's wages, 401k and here car? This is all my debt her name not on anything …

Can They Garnish Your Wages 
What happens if you have a job but still can't afford to pay a debt collector?

Being Sued By Collection Law Firm 
What is the procedure for a law firm that has had me served by the court to sue me? I have filed a written response to the court and the attorneys. What …

Interest On Judgment Debt 
I have an account which went into collection in March 2006. I contacted the company to set up a payment arrangement (after their refusal in prior years) …

Skip Sewer Summons  
In Oct 04; the Sherriff dept returned a summons because I had moved. The law firm that sued me; file an ex-parte motion and had a private process server …

Hospital Bill 10 Years Old 
The hospital is Indiana and the bill is a little over 10 years old. The hospital cannot produce an itemized billing statement for the charges. Daughter-in-law …

Itemized Statements 
I have a payment arrangement on a lawsuit against me for medical bills. The debt is legitimate and I acknowledge it and am paying every month according …

Settlement Refusal 
I have an old debt in collections over 4 years old. I have attempted to settle the debt recently however the collection agency denied the settlement. I …

Banks 
What is the statue of limitations in Ohio on a bank collecting a debt?

Collector sent me PAID IN FULL letter by mistake..now trying to collect  
I made an agreement with my debtor to make payments for 8 months till debt is paid. After only 3 payments I received a formal letter from this credit bureau …

Unemployment versus Debt 
I've been unemployed since Feb 2008. I've been staying afloat collecting unemployment and freelance. I've made huge payments towards my credit card due …

Debt is cleared, but another agency put it back on credit 
I received a letter from a collection agency about an old account that I inquired about. The letter stated that the amount was paid and will be removed …

Utility Bills 
I have an electric bill over 10 years old.I was married my husband passed away 7 years ago. The Ohio Edison wants me to pay it before they give me service...? …

Paid settlement amount 
I received a settlement offer from Afni, Inc, for an old telephone/ ISP bill (statute of limitations has not passed). I paid the amount requested, which …

Should i pay the collection if passed 2 years 
I have a collection account that has been longer than 2 years and i was wondering if i settle for less tha what they are asking for, is it good for my …

CAN MICHIGAN UTILITY COMPANY COLLECT OLD DEBT FROM SPOUSE-NOT BEEN REPORTED TO COLLECTION AGENCIES? 
My son was newly married. Utility bills are in wife's name. The 1st bill included amt. due from my son - 5 years ago. This debt is not reported to any …

Collection Accounts Reporting to Credit Agencies 
Is there a statute of limitations for debt collectors to send an unpaid balance to the credit bureau?

Garnishing tax refund 
Back in 2008, my ex-husband and I filed the income tax jointly. It appeared that we owed sum amount of money as he was earning 100K++. We got separated …

Agreement 
I made an agreement with a debt collection agency over the phone. I agreed to pay 200.00 month after getting demoted down from ast. manger to shift manager. …

Cease and Desist etc. 
1. How much time should go by before writing a cease and desist letter and if the credit card debt is then sold again, would you have to send a cease and …

Can we settle our credit card debt? 
My fiance' has about 700 dollars in a credit card can we offer half of that for a settlement? If not, how much should we offer?

Can Charge-Offs Be Removed if Settled?  
I have read through both of your books and I am left with a questions regarding “charge-offs” On my credit report I have 5 charge-offs. If those debts …

My husband owes $8500.00 
I recently got married and found out my husband has a debt to a debt collector for $8500.00. I want to contact them and ask to settle for half do you think …

Taking my Money 
Capital One came in and took all my money out of my bank accounts. I still need a way to pay my bills. If I put all my money in a pre-paid credit card, …

Sent to Collections 
Can you be sent to a collection agency if you are making payments on a debt?

Can a collection agency collect on a bill that is 10 years old? 
Can a collection agency collect on a bill that is 10 years old? And as well happened when your identity was stolen? Ontario Canada.

SCHOOL LOANS 
I have a school loan that is going on 20 years old. It is not on my credit report but i am getting debt collector calls daily. My question is how can i …

Hospital debt 
My husband owes the hospital here in Yuma, Arizona just over $10,000.00. We want to know if we make payments if they can still turn it over to collections? …

Do the debt collectors report the written off debt to the IRS? 
We owe $30,000 on a Chase Visa card. The debt collector told us that if we settled for $10,000, they report the $20,000 that they had to write off to …

Collecting judgement from defendent 
How do i begin collecting a judgment?

Wages Been Garnished Past the Statue of Limitations  
I live in missouri What can I do about an attorney that garnished my wages when the statue of limitations has expired? and she has already collected over …

Diversified Collections 
I live in Missouri. This company has been calling me regarding an old phone bill for the last month to my knowledge(meaning, i've never gotten any messages …

debt collection lawsuit 
what state does the lawsuit for debt get filed, the state where the contract or card was taken out or the state where you now live?

can i fire the debt collector and pay the original creditor 
can I fire the debt collector and paqy the original creditor?

Investigating a dispute 
What is required by law, by a collection agency, to conduct a dispute investigation of proof of ownership?

Collection on business accounts 
Can collections seize business account funds?

Both parents are deceased. 
..Dad 2 yrs ago and Mom 5 yrs ago.-harassing collection calls for their debt. A third part collection agency 'TOTAL CREDIT RECOVERY LTD.' has been incessantly …

Time for Collecting a Debt in NY State 
Is it true that there is a set time for a collector to collect a debt and what is that amount of time?

payday loan debt 
In Kentucky is it legal for payday loans companies call you at work in attempt to collect debt? My boss is not very happy about it and says that it is …

New fees and now a higher demand 
My son (age 18) was caught shoplifting last fall. The store did not press charges but told him that he would be contacted about restitution. The amount …

Hubby just stashes the bill! 
My dear Hubby has gotten himself into a real pickle. He has several hospital bills, ambulance, medicine, hernia operation, you name it, he's got it. But …

Making regular payments I can afford - Can they Send to Collections? 
I have a balance on an old apartment lease (broken lease 1 month rent) that I am making regular payments on of an amount I can afford as I am only one …

DEFAULT JUDGEMENT 
IF A CREDITOR GETS A DEFAULT JUDGMENT AGAINST YOU, AND THEY GARNISH YOUR WAGES, WHAT DETERMINES HOW MUCH THEY WILL GARNISH FROM EACH PAY PERIOD?

PROCESS SERVER 
i received a settlement offer in the mail from a collector for a credit card. i also received a notice on my door from a process server regarding the …

i no longer work and i receive social security benefits  
I went to the emergency room last year.(I have no health insurance at the time i was seen and I told them that I still do not have any medical coverage …

What do I do if a debt collector is calling me on something I know nothing about? 
Recently a debt collector has been calling me about owing money to a phone company that I have never had business with. They are saying that I owe them …

GARNISH BANK ACCOUNT 
I have three kids i have child support from my ex husband i receive unemployment cant they garnished my account..?

Debt Buyers suing in the name of the creditor, legal? 
I'm wondering why a debt collector, who buys the defaulted (charged off) debt from the creditor for pennies on the dollar, can say he is collecting this …

My taxes have be offset by owing sba loan 
How can i stop them from taking my tax return?

Sent to collections 
Can I be sent to collections without receiving a statement of charges or being notified that if I do not pay my bill I will be sent to collections.

Sued for a debt 
I had legal papers served 30 days ago trying to collect to collect money owed to me. How long do i wait before my next step? And could you tell me what …

Continuous calls to Family and Friends 
A specific debt collector continuously contacts my family and friends as early as 8am. I no longer live with them, haven't for years now, and, in fact, …

Re: Already paid a debt but still being asked to pay it by creditors! 
Ok so I already paid in full a debt with a credit card that I no longer use and I am trying to paid that credit card off that was used to pay that debt …

Incorrect social security # submitted 
I live in Michigan. I have a third party garnishment in place for state tax refund creating offset. The debtor submitted the incorrect social sec #. Will …

Collection account abuse? 
A few years ago a law firm called to collect a debt from my husband and I. The individual whom my husband had spoken to intimidated him into provided our …

Stopped Check Fees 
The collection agency is trying to add $2300 or 3x the check amount in fees due to the fact the debt is a stopped payment on a check. I was told they …

GE money Bank 
We took a loan out from GE money bank (care credit) for $3000 in May 2009 for Chiropractic care. Within a month they started calling and demanding payment. …

Personal tax forms 
A law office has a judgment on me that they haven't enforced yet. They send me a form every six months called a personal financial statement. Asking for …

calling time 
What are the calling times during a work week and can you call on Saturdays?

Loan Servicer versus CollectionAgency 
If a third part servicer contacts you about a delinquent loan they are not lien holder on, do they have to send you a validation notice per FDCPA? If they …

Long Gone Account 
I received a bill from a debt collector, in regards to an account that I believe to be closed and paid off from almost 20 years ago. I have not received …

What assets can be taken by law in Pa 
My wife has large debts, but no assets other than our house. I have 2 pensions and a small IRA. Are any of these assets available to debt collectors? We …

Do Debt Collectors Need to be Bonded? 
I reside in a condo association. Our attorney has presented evidence of embezzling. lawyer illegally hired by board W/o owners voting for his hire is submitting …

Insults from Debt Collection Law Firm 
Did the lawyer have the right to refuse my payment plan after his paralegal had accepted the terms of my payment simply because I wanted to complain about …

Need Answers 
i have been running away from this problem but i know owe money and i want to start to paying it, but i dont know how much or who i have to pay it to.

Two different collection agencies/ Same debt 
MICHIGAN jurisdiction. Chase Bank credit card. Law Firm sends pre-lawsuit information saying that their client is Equable Ascent Financial. Telephone …

North Carolina Utility bill 
In preparation for moving out of my old place I called and canceled my account with the gas company. Though I had all my mail forwarded I never received …

Wisconsin Collections 
Can credit cards or collection agencies take money from my social security acct or my IRA?

Am I responsible if they FAIL to bill Medicare in a timely manner? 
In august of 2006 I had an outpatient surgery done for which I submitted the only insurance I have, Medicare both A & B, and I paid ALL bills I was aware …

Student loan debt harassment 
I am working with my student loan company on my small balances but it automatically went to a collection company - ASSET MANAGEMENT - when they first called …

SBA Guaranteed Loan Personal Debt 
The IRS kept my ta return and informed me that I owed federal debt from an SBA loan with a personal guarantee for my husband and my company ( i owned 10%) …

help 
if you see your name in the paper, about a collection that is taking you to court, should you already have a letter, before the newspaper has the information …

Collection Calls 
How many times in a day can a credit card company call you to collect a debt?

College Student Confused About Handling Debt Collection and Striking a Deal 
I am a college student who got in over his head. I know I made a mistake and now I have to deal with the consequences. I raked up about $6000 of credit …

How long can a creditor try to get you to repay? 
I'm wondering if there is a statute of limitations for debt collection, and if there is, how long is it in the state of Michigan?

When Are Accounts Turned over to Collections? 
What is the time frame on a past due account balance before it's turned into collections? 30, 60, or 90 days?

Old Employer Accidently Overpaid Me Now Demanding Repayment Threatening Collections 
My husband recently changed employers and after he left his previous employer we received a letter in the mail from them stating that they had accidentally …

Debt Collection Payment After a Judgment 
On 1/27/10 I paid a debt collector in full. On 1/29/10 I received a letter from the City Marshal that this debt was now in judgment. On 1/29/10 the debt …

Can i still get my money? 
Ive already filed my tax return...now i may not receive it because of student loans...can i do any thing to receive my tax return even if ive already filed …

Insurance Claim 
I have a medical claim that is in appeal with my insurance company. The doctor's told me that I am still responsible for paying the bill while it is in …

Annoying and Harassing Phone Calls from Debt Collector 
Due to loss of income, I have been unable to pay one of my credit card bills. The account has been turned over to a third party. I have been very honest …

Garnishing Federal Income Tax Returns 
I just found out recently a Collection company has a debt for a towing bill on a car I gave to someone years ago, it appears the title was not changed …

FORMER WIFE'S DEBT 
My wife and I were separated as of June 8, 2009 (as stated in our legal papers) and are in the middle of a divorce. She was involved in a car accident …

Unsubstantiated debt collection 
I am currently and continue to be harassed by a debt collection agency for an alleged unpaid account for XM Radio. I received a bill from XM Ratio notifying …

Creditor Phone Calls ,What to say? 
Due to divorce and loss of income, I am 4-6 months behind on my credit card payments. I have answered phone calls from creditors every 2-3 days. Why do …

Collection agency old debt 
I just received a letter from a collection agency trying to collect on a credit card debt from 1996. This was a case of identity theft and was resolved …

MY TAX REFUND 
CAN I prevent them from taking it?

Collecting from a minor 
Can debt collectors collect debt that was made by someone you were married to as a minor?

How can I stop the phone calls? 
I have written letters to my creditors asking them to make no further telephone contact with me but some of them continue to call. Some of them have even …

Reposession 
If you make a partial payment on a piece of equipment after 6 months. Can they still repossess it? Or does the acceptance of the payment save you from …

Chexsystems Inc  
My husband and I had a checking account 5 years ago and was closed for NSF. Needless to say, they reported to ChexSystems. Last month we tried to start …

served legal papers 
Can you be served legal papers at your job?

Credit Card Debt 
I am self employed and have several credit cards with a debt totaling $80,000. I am considering bankruptcy. Can the personal and business credit be separated …

Old Debt 
How Long Do they try to collect a debt when you feel you don't owe it?

Pay day loan question - TX 
I understand you cannot provide legal advice. Do you know what the laws are in TX for pay day loans? Can they sue civilly and/or criminally? I don't …

Which state's statute of limitations apply? 
My husband and I lived in CA for 20 years. Last Spring, we moved to IN. With respect to statutes of limitations on debt collection, which state's statutes …

Collection over settled debt 
I settled a credit card acct two years ago along with another account with the same creditor. The agreement was 12 monthly payments, which i made on both …

Do debts create problems to re-enter USA ? 
Hi:I had two very old debts to pay (1)phone bill (approximately $1500) and my apartment rent (approximately $2500) that i did not paid in 2001 in Virginia …

The Statue of Limitations 
I was contacted by NCO stating that they are collecting for an account that was well over 7 years old. Actually, the department store credit card account …

Stuck with debt, no support, and bad credit 
Hi Gerri, I have a very difficult situation my ex did a balance transfer from his accounts to my accounts and then he abandoned the home leaving me a single …

Debt settlement questions 
To make a long story short, I've been looking for permanent full time work for over a year. A former client finally paid me but with a bad check. I warned …

Doctors Bills and Debt Collection 
I am on disabilty and i have a bill with an office and they have turn to a collection agency. Are there any laws that keep them from putting this on my …

Double collectors? 
My bank accounts are frozen, when I called the bank to find out why, they gave me the number to a court officer, who told me that I had a judgment out …

How Can I Fix This? 
If i sold a car and it gets towed but did not contact txdot and a collection is in my name how do i fix this? And what can the debt collectors do and not …

Estate Debt of Deceased Person 
My father recently dies in June. I have informed all creditors that he had no estate; thus no funds for medical invoices. I did not have power of attorney, …

Student Loan Cancellation 
I graduated from an online computer training school, and after getting a student loan for $28,000 I now owe $64,000 to Sallie Mae. I need to know what …

double collections 
Can the original creditor attempt to collect a debt that is already at a collection agency?

Collectors Coming to My Home 
Just wanted to know if a debt collector coming to your home is considered harassment. Also along with that, had a text from someone I didn't know who …

Business Debt 
I have a small business credit card with $20,000.00 debt on it. At this time it is over 90 days past due. Up until that time I paid on time and the amount …

Is my home that I own at risk if I can't pay off credit card dept ? 
I have been out of work for some time now and will be unable to pay credit card bills,my only source of income is my 30% V.A. disability checks each month …

Settle a Debt 
I've been paying on an old credit card debt which originally was $1,000 I've paid well over $5,000 because I was given bad advice by a so called credit …

Debt Collection on a Private Student Loan 
My wife and I cosigned on a student loan for my son and it has went into default. It has been turned over to a collection agency. My son cannot …

Presumed Collection Debt 
I received a phone call at home telling me I owed a payday loan company back from 2004. Apparently it's a loan that I did online for 1000 dollars. They …

Judgement 
I have a judgment against me with out no notification all i receive is an execution note from the marshall and I paying monthly. What can I do?

Credit Check 
i have some accounts that are over 8 years old they are with one agency the agency has informed me that they would continue to run my social security umber …

Title for payment. 
If I purchase a motorcycle through a "credit card" program and default, how do I get the title for the motorcycle once I have paid the third party collection …

Consumer Debt Rights in Arizona 
Just wondering what type of consumer protection rights are available in Arizona. About 14 months ago we defaulted on all our credit cards and returned …

Collection attempts for a debt included in a bankruptcy in 1988 
We are getting bothered by phone and letters by a company trying to collect a debt that was included in a bankruptcy that was discharged in 1988. Please …

How can I deal with the harrassment? 
I would like to know how I can deal with the collectors harassment when I am trying to pay my debt?

Collection on Credit Report 
I have a medical bill that was forwarded to West Asset Management (collection agency). I sent a letter advising them I was dealing with the medical provider …

Can a lawyer garnish a bank account? 
I was sued over a house scam I got involved in, and i was ordered to pay $1100.00. The other party received the judgment for that amount. Since then …

Really old debt 
I was unable to pay a credit card debt about 15 years ago & it was turned into collections.I did not respond to them because I had no money or a job. It …

Settling Debt 
We have settled all credit card judgments except one, in my husband's name. My husband and I are both on disability. The house is in my name and two cars …

Hospital Bill went to Debt Collector for over 5,000.00 
A behavioral agency sent to a hospital out of state when I was under 18 years of age. The hospital did not accept either of my insurances. The hospital …

Texas Law on SSI and Judgments 
I live in tx and am on ssi income for disability. I have a creditor harassing me. The debt is $2300 and i have tried to get assistance with debt payment. …

Why Pay Collections Off? 
Why would you pay off an old debt if it is about to be removed from your credit reports?

Credit Card Debt 
Between cancer and two heart attacks (4 years ago), I live on strictly S/S , one from Canada and one U.S.A. I am 70 years of age. They both total less …

My USA Debtor is Missing, What Should I Do?  
I am a native Chinese, and being owed over USD 80000 by a USA company, but now they disconnected the phone, and refused to give me any reply for my email. …

bank owed debts that were for fraud but denied 
Do I have to pay back a debt that was originally owed to a bank that the bank denied for fraud? Is there anyway to appeal this so I don't have to pay? …

Help I am in huge debt with credit cards and loans 
Hi: I have been getting every 1/2 hour, Monday to Saturday phone calls from collection agencies. Previously I had worked a few ways to pay them back. But …

What to do when I do not own the car any more? 
I bought a car which cost me some where between 11 to 13,000 thousand dollars. I was making the payment all right then came all of the sudden to a dead …

Is this Legal? 
I have fallen behind on my debts and have begun trying to repay them as I can. I had a collection agency that said the were a law firm contact me for a …

Payoff 
Is it better to pay off an old account in full or to settle the account for a discounted price?

In the Military, Can They Take My Pay? 
I am in the army and currently in Afghanistan and want be back to the states til summer 2010. My question is this. My loving wife is refusing to deal with …

Debt collectors lawsuit 
What happens if I don't have the money for a lawyer to represent me in this lawsuit?

How much should I settle for? 
I first became late with a Dell Financial payment in 2005 I believe. I did pay sporadically after that. Unfortunately, I am a stubborn person, the computer …

Which book of yours is best?  
I found this book of yours on Amazon: "Stop Debt Collectors"; and then this e-book "Debt Collection Answers" when I went looking for the answers I seek... …

Loan taken from CITIBANK in INDIA 
I have taken a personal loan from CITI BANK INDIA and paid half of the loan. After that I have come to USA and working here on H1B. Other day, I got …

Payment 
How do I make an online payment?

Collectors call about the bill I didn't know 
Hi - Today I got the call about the ambulance bill I didn't know I had. I just came to USA at that time, I had travelers insurance and I got to emergency …

Hospital biling department's mistake submiting claim to my insurance cost me collection on my credit report 
After checking my credit report I found collection for medical bills (service was done 2007). I have insurance and it pays 100%. Hospital never send me …

Payday Debt Collection 
Well I have some questions concerning mistakes I have made using payday loans, I was not able to get out of what I have gotten in and now I get calls from …

Enforcement after Judgment 
What information and documents must I as the debtor answer and provide when I am questioned by a lawyer for the creditor? What information and documents …

Where can I find a lawyer that will help me in negotiating my debt? 
I recently purchased your book and and helping a family member that has been contacted by debt collectors. Where can I find a lawyer that offers help with …

Debt collection after foreclosure and sale 
I received a letter from a debt collector in regards to a large remaining balance from our home foreclosure sale (over $100k). This year I claimed close …

Debt collection, unable to pay 
i am 74 yrs old and have only Social Security as income, i live with my daughter, and have no property. i send them what i can and they are going to send …

Ambulance Debt Lawsuit, Fraud? 
Hello, My question requires some background so I will try to be as concise as possible. First please know I have no issues with paying debt I owe, however …

Bottom line? 
I have a collection agency trying to settle debt for me over a credit card. They state the most they can take off for a settlement offer is 15% and that …

The Mount Airy news 
So you want to help me get out of debt with tips and insight...... Great.... One major problem.... I will have to use a credit card to purchase your …

High odds of debt odds of lawsuit? 
If u have high debt is there a certain amount of time that i have to settle this debt before the creditor threaten me with a lawsuit? Can this happen with …

PARAGON WAY 
Paragon way keeps calling me at least 5 times a day (including weekends). They are trying to collect on an old credit card debt that is more than the …

student loans 
can a student loan that has gone to collections. can i still get another student loan?

Debt Collection after a judgement of property lien. 
An auto loan went to collections, then to law office. The judgment was a lien on my home. This was 3 months ago. Now they are calling to get the money. …

Should I pay a collection account? 
What is the statute of limitations for reporting a collection account? Why pay a collection account if it won't help your credit?

Small collection account 
I thought I paid a department store debt in full. I was never advised and it went to collections. When I got my free credit report I found out about this …

How do I collect on a promissory note? 
I loaned 5k to a neighbor. I have a promissory note with their company stock pledged as collateral. The terms of the loan expired, now, they don't feel …

Arizona Federal Credit Union 
I approached AZFCU in April 2007 seeking to refinance a very high interest rate loan (predatory lender) Accredited Home Lenders. AZFCU rep told me that …

Debt Collectors Calling for Old Accounts  
I have just been contacted by to companies for debt that is from 98 I know the accounts are older than the seven year date. Do I need to respond to the …

Can I be forced to get a job, can my wife's money in my account be taken? 
My wife is mentally ill and on disability, she has severe bi-polar disease. Several years ago while manic, she charged up a lot of money on a credit card …

Wrong Telephone Numbers  
NCO keeps calling my house and now my husbands cell phone looking for someone that we are not and do not know. When asked to remove our numbers several …

IRA Matters 
I have a lot of credit card debt. I am disabled and can't work anymore. Can a credit card company take money out of an IRA to pay for the debt?

Collection agency question 
Is it legal for a collection notice to suggest you contact an attorney? My first notice did. My second notice states I have NOT been cooperating with …

Blindsided by the card companies 
...that won't lower interest rates and are resorting to breaking up homes. I have been trying to negotiate with my credit card companies for a lower …

Collection on a phone bill 
Had a phone that was disconnected. Paid the bill. Never heard a word. Now after 4 years they have put me in collections and say I owe the bill. What …

Debit Collection 
Hi I live in California and I have a debit collector trying to collect on an old back acct. It's been 3 plus years old this debit. I had said would start …

FDCPA Violations 
Who may sue professional debt collectors for injuries caused by FDCPA violations?

Length of time to collect 
Is there a limit on the number of years that an entity has in order to collect a debt? I've been told it's 3 years.

JUDGEMENT 
I got a judgment order from a Debt collector lawyer I was never served any papers now, when I requested the papers from the Court I see that they say that …

Can debt collection agencies sell your info to a law firm? 
Can a debt collection agency sell your info to a law firm in the state that you live in? That law firm acquires the debt and they win a judgment against …

Harassment 
Can a debt collector call me five times a days even if I have talked with them already? I haven't received a letter from them (NCO) and on my caller id …

Can she go to jail or lose her home to debt collectors? 
I am helping an elderly woman who only has $23 a month in disposable income after expenses. She has about $40,000 in credit card debt. She cannot afford …

What to do after an account is charged off? 
The original debt has been charged off but I have not been contacted by mail. What happens if you do not take a settlement offer? What happens if you continually …

Lawyers 
If I'm a bill collector whats the best way to go about speaking with a debtors attorney?

Car Towed: What are my Rights?  
I had my car towed away from a public parking because it didn't have tags and they kept the car and now are charging me for time it was in there and the …

How to confirm if an alleged debt claim is correct. 
NCO Financial sent me a vague document requesting payment of $6k for a debt they had purchased. I sent a letter requesting verification of debt and any …

Can Debt Collectors Get My Social Security Check? 
I would like to know if debt collectors can get to my Social Security check. It is direct deposited. Is it protected because it is a government check? …

How long can accounts be reported? 
One of the items on my credit report lists a Capital one credit card debt from 2000 that i thought would have been erased from my report about two years …

Court order/judgment 
I have a judgment against me. What information should i not give out in the court order JUDGMENT? Asking for Social Security + Bank account info. I bought …

What to do when you have already given out too much information? 
Today someone contacted me on my job about a debt that I do owe. I gave the young lady some of my financial information such as my monthly salary and …

Debt collector won't work with me 
I've been out of work for 4 years now due to me being disabled. My only source of income is SSI & Social Security Disability. And from what I understand, …

Late fees on collections? 
Can an original creditor continue to charge late fees and interest once they submit to a collection agency?

Debt collection after foreclosure 
...and cancellation of debt from April 2006 I have been contacted by a law firm demanding over $27,500 from a company I never heard of. From the information …

Charged off Debt 
I wish I could say I had some $$ to buy/read your book but I have none. I hope you will be gracious enough to answer this for me. We just had our first …

Judgement 
A creditor recently obtained a judgment against me. My only income is Social Security and a pension from state govt. I do have a house which has a mortgage …

Providing Personal Information 
I know that there is certain personal information that I do not have to provide to debt collectors, but do I have to give them my salary and living expenses …

Paying back owed debt 
I've recently been contacted by a person claiming to be Rogers Wireless records department. When I searched the number online I have found it actually …

I have already given my permission to withdraw from my checking account 
I was contacted by a law office (collection lawyer), about a $10,000 bill from a Bank Credit Card. When I became unemployed I could not pay it. In 2007 …

Cable Bill Collections 
I received a phone call today saying that I was sent debt collections so I called Comcast and paid the bill. Will it still show up on my credit report? …

Can a credit card company take my life insurance? 
Can a credit card company take the cash value of my life insurance policy if I can't pay them?

Overcharge on Repossession 
My Suzuki was repossessed and sold for $1,414.00 Now I have a notice of collateral and deficiency balance due of sale to a Company Resurgent Capital Service …

Can Debt Collector Take my Truck? 
i am disabled and have an income of $800 a month. i have nothing left but my truck worth about 12.000 and is paid for. I am being sued for about 3.000 …

Wage Garnishment 
Who has the legal right to garnish wages.

Collection Agency Calling Neighbors 
I have a beastly collection agency that just recently called my neighbor and asked if she knew me, and to let me know they called her, and it was urgent …

What is the debt collection law? 
Is it legal for a debt collector to contact you at your place of business or for them to contact your employer? Also, who has the legal ability to garnish …

Has statute of limitations run out? 
i have an old bill from a providian credit card. not sure of when i applied for it, but last activity, was 4 years and 3 months ago. I live in Ohio, so …

Is it my bill? 
While me and my wife were still legally married she had made some medical bills. we got a divorce she filed bankruptcy on medical bills but now i am having …

Old debt written off  
I have an old debt from Providian that was written off by the creditor several years ago. I had even forgot about it until Sunday March 29, 2009 I was …

Unpaid Student Loan Debt 
I attended Central Michigan University from '97-'00. In this time I received student loans. How do I find out the exact amounts I received and the date …

Legitimate collector?? 
A company by the name of Paystar has been calling me about old car loan debt saying that they now own the debt, but the original car finance company still …

APR Jack up 
I have this credit card for 3 years. The APR have been between 9 to 11% for the whole 3 years. I have $2200.00 on the card now and have been paying about …

Student Loans Crisis 
My wife has enormous student loan debt, across a few lenders, but she has been unable to find permanent work since graduating more than 3 years ago, other …

Collectors Phone Calls to Friends 
A friend of mine that I share a phone plan with received a call from a credit card bank about a past due account in my name. Do they have the ability …

Which State Governs My Rights With Debt Collectors?  
i took out a credit card 1999 in vermont. Due to the loss of my job, I did not make a payment on it since 7/2003 when i lived in vermont. An atty's …

Collectors Calling the Wrong Number 
We get 10 to 15 call's per day for a lady that has never lived here and we don't know. What can we do? Reply from DebtCollectionAnswers.com: Please …

Statute of Limitations for Debt 
In the state of Florida how old does a debt have to be before it is considered too old for collection?

Can Veterans Pensions Be Garnished? 
Can a retired navy person who get a pension have it garnisheed?

Payment Arrangements 
I live in Tennessee, I have a collector that I am behind on about 10 months, but I have been trying to pay what ever I can. He made an arrangement for …

Can I cancel an agreed payment? 
I have been getting calls from a debt collector for a couple of weeks. I finally called back, not really understanding who they were at the time and then …

A $400 debt that is over 7 years old and not on my credit report and I'm being hassled... 
Do I have to pay these people? It's not on my credit report and a credit union told me I shouldn't pay it... Reply from DebtCollectionAnswers.com: …

Questionable debt summons 
I received a summons from a collection agency saying I owed x am't of dollars + interest with an acc't ending in xxxx. I called my bank because I did …

does the IRS have to follow debt collection laws 
What type of law does the IRS state level work under? Am I still protected by FDCPA rules? If not want protection do I have when I want to dispute …

Item on a credit card lawsuit 
What does it mean if "COMPLIANCE CREATED: COLLECTION REQUIRED BY: 02/02/2012" is on your credit card lawsuit? Does this mean that after this date they …

i can't find an old medical bill 
13 years ago my son was born in north-ridge hospital in the U.S and i didn't pay the bill. Now i want to pay it but the hospital doesn't have any information …

What can they take from you if sued? 
If I am being sued, can the person suing me take money from me that is in mine and my sons name (ie: a bank account)? Or a home that is in mine and someone …

Storage locker debt lockout 
I owned a retail store and had to close. Put my equipment and store fixtures, i.e., coolers, counters, merchandise, gifts, balloons, tables, merchandise …

judgement for 5 yr. old alleged nsf while disabled 
In Jan. 2011 I went on disability was employed for many years. I got a letter from Hansel Toyota stating that in an audit they identified a NSF on a down …

Checking acct frozen 
We r being sued by a bank for a land investment we made several yrs back, we did get the judgement against us and we did make our appearance in court. …

payday loans and judgment 
I took out a payday loan with Alpine Loan, located in Idaho and Utah. I have tried to make a payment with them regarding my loan but when I asked for …

Being Sued, Will Tax Retun Be or Car Be Taken? 
I have been laid off for almost a year and receiving unemployment and I am being sued by a law firm in Chicago,IL for a credit card bill of $4822.82 and …

What form do I file? 
Hello.I am being sued by my father for money he lent to me in the purchase of my home. The lawsuit has been filed in California.I am supposed to respond …

Broken gym contract and now overseas 
Hi I was in North America for 12 months and signed up to what I thought was a no contract gym and as I stopped going I stopped paying. I have now left …

Being sued in a civil case by BofA 
I was served the summons & complaint, I answered the complaint, went to court on several occasions (not sure why) BofA filed a request for default, summary …

Do I have to pay old credit card debt? 
I recently got my credit report and was told by a mortgage company that there was 9,000 in cc debt. Looking at my report it says that my BOA account was …

social security disability and cosigned student loan 
I have medical reasons for being on social security disability. I am concerned about being a cosigner for my child on bank loans for school for which she …

Repo on a title loan for nonpayment and it is broke down not running 
Can a title loan company repo a vicheal for nonpayment, but repo a different vicheal that is not in the title loan contract? Reply from DebtCollectionAnswers.com: …

Attorney for LVNV Funding Suing me for alleged unpaid debt 
I opened a CC with initially to purchase 2 new AC units for our home we had the market in 2007. Our home went under contract in Sept 2008. Our buyer held …

Income Garnished for another person taxes 
My Daughter, who doesn't reside in my home failed to pay the Vehicle Property tax on a Vehicle she traded-in on a new one. I received a Notice of Garnishment …

Fitness Club Collection Account 
I want to know if Fitness connection can actually take me to court for a past due balance of $9700 that is owed? Reply from DebtCollectionAnswers.com: …

Paid medical bills being sent to collection agency 
I have been receiving a bill from this company since May 2012 for $135.00 which has been paid in full by my insurance company. I have had several conversations …

Home was sold at auction..can the they still collect on the 2nd loan? 
Hello, My home foreclosed on and sold at auction on June 2011 in California.I received a 1099c for cancellation from Bank of America. However, apparently …

threatening calls about payday loan from missouri when I now live in Texas 
I received several threatening call yesterday from a company who says I owe them $500 for a pay day loan taken out in Missouri. I did live in Mo fopr …

Bankruptcy and a court judgment 
Will bankruptcy get rid of a court judgement against me? Reply from DebtCollectionAnswers.com: Gail - Yes. Many court judgments can be included …

Ticket for not spaying or neuter of my cat. 
The ticket was $250 but they would lower it to $150 if she had the procedure done by a certain date. But my cat was pregnant so I couldn't do it, so I …

Help needed 
If my mom is power of attorney on my checking account and owes a debt can they take my money if they sent her a levy notice? Plus the fact in the notice …

Being sued in small claims court by debt collector 
In 2006 I bought a bed from Mattress Discounters through Wells Fargo financing. The bed cost $876.49 and had one year interest fee if I paid within that …

student loan garnishment and Social Security income 
Can Sallie Mae Garnish my Social Security income because of unpaid student loan due to becoming disabled many years ago? Doctor form was submitted verifying …

my wife's student loans vs. my military retirement 
My wife has over $200k in federal student loans. I'm retired from the air force, and am getting 100% disability. Both she and I are unemployed. Due to …

car title as collateral on old debt 
I took out a loan with citi financial over 10 years ago and used my car title as collateral. Due to circumstances i was not able to repay loan and it was …

Non Garnishable Earnings 
The Plaintiff is a Credit Union Amount of money owed to Plaintiff is $21,781.00 plus court fees and etc. We have a summons to appear in court for …

Debt Buy Out  
I was sent a debt buy out for an account that I couldn't pay after having to go on disability. When I called to accept the buy out they refused it, now …

Debt Collection for minor in Florida 
I was a minor when I had to be taken to the hospital for an emergency appendectomy. Now I am an adult and there is a collection agency that is trying …

Is the writ of execution used to garnish my wages valid? 
I live in California. I found out on November 14, 2012 that there was a default judgment not in my favor, but my feeling has been all along that the papers …

Garnished my mothers bank acct for my debt  
About 3 years ago, I became a signer on my mother's account for the sole purpose of being able to pay her bills in the event she became unable. My mothers …

can 12 year old debt come back to haunt 
I live in Montana, I have medical debt that is 12 years old and off my credit report. Can they continue to charge me interest, and can this debt haunt …

can you be arrested at the time of service from a debt collector? 
Can you be arrested at the time of service from a debt collector at your job? There are these people that said they called my job several times and …

Not notified, even when I asked. 
I had a checking account with a company years ago, as a wedding present my mother paid off my credit card with them. I had called the company multiple …

Late on personal loans 
I am currently 2 months behind on a personal loan with Springleaf financial. I have a total of four personal loans. Three of them are one month behind. …

time warner cable trying to collect 7 year old debt 
I received a call from the ''compliance office'' of time warner the other day stating that their compliance office had done an internal audit and discovered …

My son used my credit card without my authorization 
My son had a baby and no job. I was concerned for him but didn't have much money myself but I had an 800 credit rating. I gave him my Citicard to use …

Debt collector trying to collect debt off credit report 
I have an old credit card debt that is about to expire on my credit report, and today I received a call from an attorneys office trying to collect on that …

Debt for returned equipment 
I live in New Jersey; in 2009 I canceled my Verizon home services (Internet, Cable TV, & Phone). They sent me two final bills a few months later; one was …

Being sued for more than is on my current bill. 
I have recently been served with a summons and complaint for a 11 year old debt. In the last six years, this was given to a collection agency and after …

Secured loan and Social Security 
I live in Ga. I secured a loan with some of my lump sum payment from the SSA. A debt collector has filed for a garnishment of the funds to apply on a old …

Options when paying for repo auto 
I purchased a new vehicle in Houston, TX in January 2005. Due to loss of income later in the year I could no longer afford the vehicle and eventually it …

Collateral loans  
My husband took out a collateral loan with Patriot loan company while in the Army in Georgia last year. He has since been medically discharged and has …

Pre-Trial Statement of Proof 
I received a summons from Equable Ascent Financial on July 13 and I'll be going to arbitration on Oct. 25 2012. Been through a lot of legal wrangling …

My invalid mother is being served papers to go to court for credit card 
My mother is 71, has MS and is in a nursing home in Texas. She is on Medicaid and only gets a 60.00 monthly allowance. She has no house or property. A …

Can a Bill for Services Be Turned Over to Collections 
Hello-I recently had someone come and clean my house. They did a horrible job and I canceled my check. I contacted the woman and told her I would pay her …

Can a collector come on my job? 
Can a debt collector come on my job i owe them $500.00 and am being threatened they will come on my job i live in the state of louisiana. Reply from …

Is this debt collection lawsuit legal? 
I received a Notice of Debt from a Debt Collector who is licensed as a Debt Collector in Washington State, but not licensed here in my home State, Arizona. …

HOA trying to collect excessive late fees! 
Hoping you can help. I live in an HOA neighborhood that bills $300 annually for storm water drains upkeep/repair. This last year I kept setting the bill …

Statute of Limitations 
Can you tell me what the statute is in NJ? This is for a credit card debt that I thought was charged off. Im not sure when I stopped paying on the card, …

JUST learned of a utility bill owed from nine years ago 
I currently live in Texas. This utility bill, from Louisiana, was dated the end of 2003. I've NEVER received even a hint that this debt was out there. …

my brother passed away with little assets. Does his estate have to go through probate? 
in the state of florida my brother passed away,all he had was very little personnel belongings kitchen ware,tv,etc, does this have to go to probate

will they wait if i apply for ssi 
got a major medical bill in april and was approved for cmisp ins. my case is still pending i'm eligable for ssi in dec. do i need to worry.

Third party debt collections in Georgia 
What is the statute of limitations in Georgia for third party collections of credit card debt? Reply from DebtCollectionAnswers.com: Our understanding …

Can they take past due taxes from our joint account?  
If a relative, not spouse, gets their Paycheck direct deposited into my checking account if they owe back taxes and have not made payment arrangements …

New husband-outstanding medical bills. 
I am newly married and have recently been summoned to court for outstanding medical bills, can my new husband be sued to pay these bills also? Reply …

Dealer took my car 
I purchased a used vehicle from a dealer 2yrs. ago. I had lots of problems with.I went to the same dealership to trade the vehicle at the same dealership;coming …

Threating to sue me 
I worked for a trucking company and left. I owed $3000 and have sent payments evey month since leaving (5 months ago) I still owe around $2700. They sent …

In TN can they withold your irs check for unpaid medical bills? 
In the state of Tennessee can they with hold your income taxes for unpaid medical bills? Reply from DebtCollectionAnswers.com: In most cases, …

Refused settlement, now what? 
What do i do if they refused to take my settlement offer? Reply from DebtCollectionAnswers.com: Lisa, We need to know more before we can answer …

Co Signed and Boyfriend Went Bankrupt 
I co signed to help my ex boyfriend purchase 4 new tires for his truck. He claims to have filed bankruptcy since then and refuses to pay it off. Do I …

Junk debt buyer said if I asked for Validation of debt  
Is it legal for collector to inform me that if i asked for debt validation that I would have to pay full amount of debt without any negotiation? Reply …

sued by credit card company 
Hello. I received papers from court, that inform me the bank of america sued me for $3352.What can I do ? I'm self employed, my income is just $2000-$2500/month. …

settlement with collection agency 
I want to settle an old debt, I was wondering if I could sent a check with the settlement amount. and if the collection agency cash's my check would they …

my electric bill went to collections and i moved 
i live in missouri. at my previous address my electric bill got up to about 500.00 with ameren UE. i was in trouble finacially and decided to move in …

statue on debt collection 
If i get a payday title loan on my vehicle and default on the loan what is the statute on the collection of this debt? Reply from DebtCollectionAnswers.com: …

Auto title lien loan 
I received a loan from a loan company and stopped making the payments, I became unemployed. I used my car title as collateral what happens at this point? …

Sallie Mae Garnishing Wages 
Can Sallie Mae take money out of your savings account with out your permission? Reply from DebtCollectionAnswers.com: It is possible that can …

15 years later debt still not gone 
I was contacted by a collection agency. I settled for 1125.00 15 years later. After this was paid via montly bank draft I noticed they continued to …

Judgement on top of another judgment 
I am paying a judgement filed against me by capital one. Can Citibank file a judgement against me for a student loan if I am currently paying another judgement? …

Broken lease debt owed 
Hello I have 2 broken leases at collection agencies. I was very ill with my mental illness and was hospitalized and in a Partial Hospitalization Plan …

I am about to be sued by cash call for an unpaid loan 
I have been unemployed for several months, but am about to receive my social security because of early retirement. Can my social security payment be attached? …

court appearance/possible jail time for debt 
I got a call today from an attorney's office. They said I had a court appearance on Friday (2 days away) and that the creditors are wanting me to pay or …

can IRS take my returns when filing jointly for student loans incurred by spouse before we were married 
I have back taxes to do and am married.... If I file married filing jointly will the IRS take my tax refunds currently due me to pay off her student loans …

senior living on social security has judgment for garnishment. 
I never got the original judgment but I got a copy two months later with a new date. I have no income for garnishment. Worried if they can put me in …

Judgement - can they take my personal belongings? 
Can my furniture / personal belonging to sold to satisfy a judgement? Reply from DebtCollectionAnswers.com: Maybe, maybe not. It depends on bankruptcy …

Car Reposession 
My car recently got reposessed. I have not yet received a letter saying how much my deficiency is. I need another car but I'm concerned that if I have …

Ex wife never turned in Car for repo 
Hello Here's my situation/ Bought a 2002 dodge truck in 2005 in my name in Nevada. Me and my wife got a divorce 2006 She kept the truck, but stopped …

I am a disabled vet - can I be sued? 
I was in the army and I'm a disabled veteran with 40% disability can i be sued for passed due bills from a yrs ago? even though i can't work cause of this …

Wife has debt 
I been married 3 years and my wife has accumulated a debt of 10 thousand dollars. I have no money to pay. How can I break free of this? I feel caged, …

Can I pay the debt in full instead of going to court? 
I got served, can I just pay the amount instead of having to go to court? Reply from DebtCollectionAnswers.com: The collector will probably …

Is a Minor responsible to pay medical bills his father didn't pay? 
While a child, a young man received an emergency appendectomy but his father never paid the bills. Now, at age 18 the bills are somehow transferred into …

Being Sued - Military Retirement Safe?  
My mom was in a car accident a few years ago and passed away a little while after due to non related problems but the person my mom hit is now suing my …

Social security 
My mom is on social security...that is her only income. She is being taken to court for an auto loan from years ago. Now I already know that they can't …

An attorney requesting vehicle information for an unrelated debt? 
An attorney has contacted me relating a debt that I incurred when I broke a lease with an apartment complex. I am sending payments to the attorney to …

Harrasing debt collector.  
I owe a debt and i told the debt collector that i will send him $50.00 a month till its paid off. i owe $1216.00 but my bill was only for $500.00. anyway …

lost job and debt collector is down my throat 
I currently live in the state of Kansas. I am paying off a credit card debt that I fell behind on after my divorce from my ex husband in November 2010. …

what can I do for default judgement 
I have a default judgement entered against me for a $4000 credit card debt from 2004. The judgement is from 2009. They had garnished my wages and stopped …

garnishing my wage for husband old medical bill 
Can a collection garnish my check for my husband medical bills before we get married? And can they put that bills on my credit report in the state of …

Illegal Collection Attempt? 
I received an email from National Recovery Services LLC out of Kansas that claimed they have my authorization to charge my account on December 9th for …

Credit union won't release car title 
I live in Utah, if I pay off a car loan with the credit union can they keep my title till I pay off some past due loans I have with them? Reply from …

Student loans and income tax refunds 
I have a good amount of student loans and I have no job to pay them back bc i am a stay at home mom can they take mine and my husbands income tax? …

Old collection account 
Can a older collection account be collected on again when a business changes it's name or is bought out by another company? I received a bill from ERSolutions, …

wage garnishment for three debts? 
I have already in place a Tax (NYC State) garnishment order in place against my paychecks, which is being taken out. I just received another wage garnish …

Summons for HOA fees from 4 years ago on a foreclosed property 
I was just served a summons for HOA fees on a property I foreclosed in 2007. I wrote to the HOA company giving them notice that i no longer will be living …

secondary card holders effects on credit card application approval 
Will my husbands Capital One Card application automatically be declined due to the garnishment they were awarded against me back in 2006/2007, if he lists …

Did Not Get Notified of Court Date 
I had been fighting a credit card debt that a third party was suing me for. This was going on for five years and I was just waiting to get the court date …

social security number? 
Hi there, first I want to say thank you for taking the time to answer my question for free! I have a student loan that I defaulted in paying, I never …

Husband has passed away and cant afford mortgage 
My husband passed away 2 weeks ago. His name is the only one on our mortgage. I cannot afford to pay mortgage. Do I have to change mortgage into my name …

signed for gfs phone, after breakup she won't pay or return phone  
I signed for my gf at the time to get a phone and a contract since she lost her id at the time. she promised she'd switch it over as soon as she got id. …

in debt and want to get out 
Due to past mistakes i ignored my bills for the last 15 years giving myself a 375 credit score now I'm like 60 grand in debt. How do i get a 700 credit …

College tuition and tax returns 
Can my tax return be held because I am behind on my college tuition? Reply from DebtCollectionAnswers.com: Tax returns can often be intercepted …

How often do collectors levy bank accounts? 
A credit card company took 350.00 from checking account on j9/20/2011 then then six months later took 60.00 out. My question is, how often do they dip …

Should they take my payments? 
I Live in Oklahoma and owe the county court clerk money,i am to pay them 38.03 on the last day of every month,i have fallen behind and made late payments …

Default Judgement on a Credit Card Debt 
I,under duress, agreed to settle an account on a credit card debt and the collection agency got a Court Judgement against me for the (grossly inflated) …

Taking my checking account without notice 
I have an old debt that now held my entire checking account. They sent notice of court last year to a place I have not lived at for 3 years. They took …

Settlement apartment fees 
I'm breaking out my flat leasing and my landlord here in Austin is asking me 2 months rental fee when leaving. What happens if i leave without paying …

Can they take my stuff if I am married? 
The Sheriff showed up to my property to conduct a levy of my belongings, and my wife denied access, they said that they will get back with and order of …

Can they put a lien on my house for credit card debt?  
Can credit card companies put a lien on my and my wife's house for my charge offs? Reply from DebtCollectionAnswers.com: Mitch - We aren't …

Failed dr bill payment due to low to no income 
I was working for local nursing home and had to have carpal tunnel surgery, after surgery I found out that my insurance from work did not cover it -reason …

Debt Collector Calling My Friends 
A debt collector is calling many of my friends and they weren't used as references. How can this be legal? Reply from DebtCollectionAnswers.com: …

ex husband overdrawn over 800.00 in las vegas 2007 
He has been overdrawn over 800.00 since 2007 in las vegas. We have been not together since. I have have his current employment if that would help. He …

In case of emergency information used for debt collection 
Can any company use your "in case of emergency contacts" listed ONLY on the HIPPA portion of a dental office form, for debt collection purposes? Reply …

Medical bills and recent inheritance  
My father has about 500,000 in unpaid medical expenses after a massive stroke (he was uninsured at the time.) He receives SSDI which covers his monthly …

Do Debt Collectors Have Right to Not Send Statements? 
Do debt collectors have the right not to send a monthly statement? I have been paying a debt off for quite a while I have paid them $1500.00 so far and …

debt collection monthly statements 
5 or 6 months ago i agreed to pay 75. a month on an outstanding sears credit card to an collection agency, my question is should the collection agency …

Writing a letter to a collection agency requesting invoice 
I stopped receiving a bill for payment because I was not able to make full payment. I sent a letter requesting a bill so i can continue making monthly …

Debt Collector sent notice of equipment I already gave back 
I recently got a debt collection letter from a third party of a FL cable company stating that I owe $475.00 for three pieces of equipment that I already …

Interest on collection accounts?  
Why is the collection agency making payment on my account, they are also charging me interest? They are making the same monthly payment amount each month. …

HOA Collectors 
Will I be the sole responsible person for HOA collection (and possibly court summon/judgement) for HOA dues three years ago if both my name and my ex were …

Debt Collector Offers Settlement 3 Years After Judgment 
I live in the state of West Virginia. In July of 2008, my husband received a post card in the mail from the magistrate court in our county saying to come …

unemployed and can't pay bills 
I look for work full time. I have been unable to find a job and keep a job. The last one was temp and lasted 3 weeks. I cannot pay my bills. Do creditors …

Credit card debt/loss job 
I have worked at my last job for about 5 years, since 2006. I was fired this summer 2011. In 2004 I opened up 2 credit cards and I was an 18 year old …

9 Year Old Credit Card Debt 
In October 2006 I contacted Capital One via postal mail and informed them that in an attempt to clean up my debt I wanted to make arrangements to payoff …

Energy Company put someone elses bill in my name 
Hi, my problem is a Energy Company in Mich put someone else's bill in my name. Due to it not being paid, i sent info that I didn't live here with this …

student loan default can they take my house? 
I had the title of my house transferred to my girlfriend, because I am 20 years older than her and wanted the house to go to her if I died before her, …

Our debt being assigned to our daughter 
Our now 19 year old daughter is being harassed by a collection agency to pay a dental bill that was incurred when she was 17. We as her parents are …

can a collection agency sue me for a defaulted student loan and attach my ssi bebfits? 
C an a collection agency sue my for a defaulted student loan and attach my ssi benefits? Reply from DebtCollectionAnswers.com Yes, you may be …

Lien on parents house for my debt? 
Can a company put a lien on my parents' house for a credit card debt of less than $2000 dollars that I took out? They didn't cosign anything, and I wasn't …

Trying to collect a debt when the minor was 16 at the time. 
I was 16 at them time when my dads girlfriend, who is not a parent or guardian enrolled me in online schooling penn foster. Not even a week after I turned …

Can I make a deal to pay off debt for my girlfriend? 
Hello there, My girlfriend has MS and is about $6k in debt due to medical bills. I would like to call the various agencies and work out a plan. …

Can Chase refuse to give me my unemployment if I can't pay my Chase credit cards 
I have applied for unemployment and was told I have to use my Chase, direct deposit account or a debit card that is sent to me and activated by calling …

Two different amounts on judgment - Which one do I pay? 
Refinancing home - Title company identifies a judgment amount that must be satisfied. Contacted collections company and they indicate a higher amount is …

debit of checking account by payday collector 
Can a debt collector who bought an old pay day loan debt of mine debit my checking account without my knowledge? I was not informed that they owned the …

Two debt collectors for the same debt 
So i get this call from a debt collection agency on an account i do have default asking to settle the account. However i got a call a week before for …

Opened an account for my sister 
Yes, I know that was my first mistake.... She never told me that she didn't pay the last months bill. As soon as I found out about it I payed it immediately, …

utility bill from six years ago 
A utility company is has contacted me for a debt from back in 05. 7 years ago I may not have even lived at the home during that time frame. If the collection …

If Toyota reported I had a zero balance on my credit report in 2003, am I liable for any debt? 
Toyota reported I had a zero balance in 2003 on my credit report (from all 3 bureaus). Recently (2011) I received a letter from a collection law firm saying …

Collection Agency sent appeal to old address 
I just recently found out that a debt collection agency in Pennsylvania received a default judgement against me in 2007. I was not living in PA at the …

Original debt collector sent summons with incorrect payment amounts credited. 
Original debt collector sent summons with incorrect payment amounts paid on it and wrote off amounts that were already paid. Is this illegal? Reply …

TimeShare sold to daughter within 2 years of bankruptcy filing. 
My husband and I will be filing chapter 7 this week due to overwhelming hopital bills. I am 69 and he is 76. in 2004 we bought a time share in Las Vegas. …

Being sued even tho I'm paying 
I received some papers stating that a debt collector is suing me for the amount of 25k even though I have been paying them every month for the past year …

tax refund and student loans and child support. 
I was wondering ...My husband owes both child support and student loans. How do they split up his refund? Will they simply pay the larger debt , or split …

Library sent me to collections for debt when i was 8 yrs old 
I live in Washington state and the library sent me to collections for $132 for a few books and movies i checked out and supposedly didn't return when i …

Continuous Calling After Payment Arrangements Made 
I have made payment arrangements with a collection agency to pay half of an overdue account on Dec 3 and the remaining amount due on Jan 3 this year yet …

Broker Fees Left Us In The Hole 
We had a small amount of money invested in Dynegy stock, the investment company sold out to Wells Fargo. The fees from Wells Fargo has consumed our interest …

Ambulance Co went out of biz 5 months ago.  
Do I owe this debt collector anything? The ambulance bill was $3k and my insurance co only paid $350 towards it. I'm broke so I haven't paid the balance. …

7. Years and car repo is on credit record 
I had a car repo in 2004 of September. It's on my credit report still. I didn't hear anything for about 6.5 years and all the sudden I get a subpoena …

Judgements and gift to minor accounts bank accounts 
Can a bank creditor with a judgement on a parent take money out of a gift to minor account when that parent's name is on the minor account as trustee? …

creditor pursuing collection,liens, sueing a legally institutionalized incapacitated person 
Can a creditor/collection agency sue, pursue a lien against a legally institutionalized medically incapacitated person? The credit card debt is the sole …

Old Towing Bill 
Am I responsible for a towing bill that occured in 1999? Reply from DebtCollectionAnswers.com: If it was a legitimate bill, then you are responsible …

Company out of business - tax debt? 
If you were a owner of a company of which you have unpaid taxes are these still collectable after the company has gone out of business? Reply from …

Two judgements same debt 
I have a judgement against me for a credit card debt. I only receive social security and a pension, and am paying one lawyer with a judgement. They cannot …

Phone Bills Stopping Me From Getting Internet Service 
I am trying to get new internet service to my residence on my parent's property but they have an outstanding bill for phone that is over 3 years old and …

Can assets in husbands name be seized? 
I live in California and married. If the cars and checking and savings are in my husband's name can they take any of those items to satisfy a judgement …

Attempting to collect old debt from late spouse 
My wife has some debt due from when she and her late husband were in business. When her husband became ill, the business failed and the rest is history …

Being sued for past medical bills can they take my car? 
I have a summons to appear in court in ten days for past due medical bills totaling 3,000. I don't have a job and am not married, but I own my car, …

Can you go to jail for not paying debt? 
I had a recent problem with Comcast, I ended their services but they charged me for months of service I didn't even use. Apparently I am now in debt with …

Notarized sale of third part credit card debt 
I have documents showing how my original credit card debt was sold twice and now resides with Incepta. Some of the sale documents show notary seals and …

trying to pay off past debt 
Have some bounced checks. They supposedly went to a Law Office. I contacted the Law office and asked them for a statement. They said they did not give …

Notice to consumer before going to collections? 
Does a company have to notify you in advance before they turn you over to collection? Reply from DebtCollectionAnswers.com: Unfortunately, no. …

monthly payments on judgment 
If I make any monthly payment like $100 per month on a judgment can they still garnish my bank accounts or pursue other legal actions? Reply from …

Can my taxes be garnished if I am already paying on a garnishment? 
I have a Federal student loan that is in collections. They are already garnishing my wages. Can they also take away my tax refund if a garnishment is …

Filed a dispute, but they still sent to collections 4 days later?? 
I recently cancelled my Sprint service as it was getting too costly and i never had service where i lived.. there was a total of 4 early termination fees …

10 years before hearing anything 
My husband hasn't lived in Maryland since the year 2000 but just got a letter from MVA saying he owes $5000 for lapsed auto insurance. This is the …

How to get ex wife's Victoria Secret Credit card off my credit record 
I didn't open the account. She put me as an authorized user, I never used it, we got divorced, she got the bill in the divorce. She hasn't paid it, she …

Can my previous bank repo my car? 
I refinanced my car with my credit union so I did not pay this month's payment to the old bank. That payment is now late and my old bank has not received …

Spouse needing answer 
My husband has a debt for 8,000 dollars that he has not been paid due to major financial stress that we have been going through. The Debt collector put …

Wage Garnishment in Texas 
Can my wages be garnished for a payday loan in Texas? Reply from DebtCollectionAnswers.com: Wage garnishment is not permitted in Texas for consumer …

owe money and have money in the safety deposit box 
But the deposit box is on hold and what should I do? Can I have access to the safety deposit box so that I could get the money out to pay. Reply …

Wrong SS# on collection account 
I live in RI. I requested a copy of my yearly credit report and their were two accounts on their that I did not recognize that were in collections. I …

credit cards not on credit report 
I filed bankruptcy 8/15/11 and went to meeting of creditors 10/12/11. I checked 2 credit reports today and it shows all six creditors as being closed …

credit card collectors and my car loan 
Can a credit card collections company do anything about my car that the I have a loan on that I'm still paying for to my bank? Reply from DebtCollectionAnswers.com: …

privacy act violation by landlord 
Can a landlord send a delinquent notice to a relative without written permission of the tenant? The relative is not on the lease and was not the co-signer. …

Behind on loan can bank take my money? 
If I am behind on a loan, can the collections department of a bank go in my checking account and take the money out without my consent? Reply from …

Satisfaction/Release of Judgment - leave it to court computer or send letters to the CRA's? 
I recently obtained satisfaction/releases for two separate judgments. Both judgments (and release orders) were entered in the same county court. Should …

Notarized Personal Loan 
I have a signed and notarized personal loan agreement between myself and a husband and wife. It was for 7 years with interest specifically being paid …

Debt Collection After a Write Off 
Nearly 3 years ago, I had to voluntarily repossess my vehicle to my credit union. The vehicle was auctioned off for less than what was owed (roughly $9000 …

I paid the debt collector, now the company is billing me?? 
I received a letter from a debt collector dated 30 August 2011. It stated the amount owed $1,048.94, $998.94 for the credit card (capital one) and $50.00 …

Collections In Wrong Name 
I have a student loan that I am currently unable to pay, my wife has been sent to collections over it, her name is on the collections report not mine. …

writ of summons 
I live In NH, and received a writ of summons from Zwicker and Assoc. for a BOA account. The last payment made to them was in Aug 09. I asked for DV from …

Can a collection agency call for a bill from 20 years ago 
A collection agency has sent me a letter asking payment for an account that was already paid in 1994. As I've stated the account was paid and over 15 …

Can I get a REFUND from paying Two seperate debt collectors for the SAME account? 
(I LIVE IN PA) I opened a tweeter account years ago, i then owed them money (i was young and irresponsible at the time). So on January 29th, 2010 i paid …

Is there a way to clean you credit report if you have charge off accounts? 
I have some accounts that went to collection and was wondering is there any way to delete the main account? Why should there be two accounts with different …

unpaid ambulance debt collectors 
i was in a car accident 5 years ago and i was the passenger as well as 2 other friends. The ambulance and police came for us but i refused to go into the …

Capital One won't take settlement for debt Can we sue THEM? 
We entered debt settlement in 2009 with 40K in debt. Thomassen Law Group has been wonderful in helping us settle all but two credit card debts. These are …

can my wife's debt collection affect my tax return and credit? 
My wife had 3 hospital bills that she hadn't paid before we got marry. She currently doesnt have a job and shes not able to afford to pay any of those …

2 collectors have the same account 
I have a debt in collections that 2 collectors have that is not mine. One of them is erasing on 10/2011 the other till 11/2012. What can I do so the …

I've been frauded and would like my credit restored! 
If you report stolen credit cards to a credit card company after recieving a bill from them and they do nothing about it and you keep recieving phone …

Is this legal? 
My daughter received notice of an outstanding charge for cancelling her University of West Florida Housing Contract in December 2010 as opposed to staying …

levy repo 
How does a levy reposession work if u own the car they want to take for the money u owe?

how many time can a bill collector call you in a day 
how many time can a bill collector call you in a day

Current wife's wages may be garnished for husband's prior marriage 
My husband & I were married in June of 2009 & living in Louisiana. My husband was served with a judgment in the amount of $10,000 in July of 2009. This …

Account Information on Collection Account 
Do I have a legal right to get a copy of current payments on account I'm making payments on? Reply from DebtCollectionAnswers.com: Are you talking …

Questionable Tactics Of Collection Agency 
i am currently receiving permanent disability and social security benefits and have received a letter from a collection agency threatening to garnish my …

What happens if you fail to pay the deposit on a car? 
My girlfriend just bought a new car and there was a mix up with who she pays the deposit check to. The bank which she received the loan from has already …

can my car be repoed in alabama if i have set up a payment  
Can my car be repoed if i work out a payment plan with a debt collector in the state of alabama? Reply from DebtCollectionAnswers.com: Unfortunately, …

Royalty Resource Network Named in Advanced Fee Loan Deception 
Consumers in West Virginia are being warned, by their Attorney General Darrell McGraw, about a scam that offers the promise of “fast and easy loans”. These …

Illegal Judgment Tactics 
First, my husband and I filed for bankruptcy about 11 years ago. We did not successfully fulfill the obligations of the Chapter 13 and therefore, our …

Default on my down payment for my vehicle 
I just bought a new car and wasn't able to pay my down payment which is 1500 and now I may be sued! Can they take my vehicle even though I make my car …

Can Collector Go After My Bank Account? 
I currently have a wage garnishment being taken out of my check at work for 25% of my disposable earnings. Can they nab money out of my bank account as …

Will I be held responsible for a debt linked to my ex? 
I have heard through the grapevine that my ex-husband plans to file chapter 11 next week. We have been divorced for almost four years.When I pulled up …

Will they take my husbands taxes 
I have student loans that have defaulted a few years ago and they always take my tax refund... This year i am married and did not work will they take …

can a collector take my paid off car in Texas 
Can a collection agency that handles hospital bills take someone's car that has been paid off in the state of Texas? Reply from DebtCollectionAnswers.com: …

Florida spouses debt 
My husband lost his job and we was unable to pay the debt. The car was repossessed. The debt was incurred before we married. In Florida, can our joint …

Personal debt- opening Business account 
Hi, I live in NJ. I have about $25,000 in personal debt. I have collection agencies calling me daily, but I do not plan I paying them back, because in …

overdrawn checking account closed and bank kept my car title 
A bank kept my car title after the loan was paid because my checking account had been closed due to overdrawn funds. Can they do this? Reply from …

Can I debt collector place a old collection on my credit report as new 
I have a debt from ebay from 2006 that I owed. Now a debt collector placed on my credit report as new for sept 2011. I never received a notice and I am …

CHARGE OFF 
When a creditor does a charge off in Michigan does that mean when a collection agency gets it it's being paid for again? Do they sell charged off accounts? …

Grandparent Scam Strikes Again 
Put yourself in the shoes of a caring Grandmother. Let’s say one day you receive a call from your grandson telling you they’ve been in an accident and …

Medical equipment charges 4 years later 
Hi there, this question is regarding post-op medical equipment charges in California. I had 2 surgeries in 2007 (jan and oct) and the doctor recommended …

old defaulted student loan 
35 years ago I had a student loan that is now in default originally it was for $2000 it is now 16000. They have been taking my tax returns for years. …

judgement on first mortgage in florida 
I paid off my 2nd mortgage while in forclosure, can the first one still come after mefor a judgement if we go to the end of the forclosure process? These …

Credit card debt from 1999 from Texas but I now live in OK 
I had major financial woes in 1998 so moved away and paid off most of my old debts but just neglected one credit card balance of I think $3000.00. I just …

divorce debts not paid 
If a spouse is granted by a divorce judge to receive so much a month for debts that were supposedly not theirs, and we don't pay or are late on them, does …

Default on Home Equity Loan 
When I was married, my ex husband and I took out a HELOAN on our house. When we split up, my ex husband stopped paying the mortgage, and the house went …

Creditors and Social Security Disability Accounts 
I signed for a car for my daughter over a year ago. The car was in my name. The car was totaled in an accident which was not her fault. Now the credit …

Judgment on credit card debt 
I had a credit card that the account was opened in 3/15/2000 and the account was chardged off on 5/30/2003. I have received a letter from an attorney that …

Can you Lose your SSI check if you forclose on your house? 
i have an elderly aunt that still has a mortgage. her SSI check is only $269 a month and her house payment alone is $238. She is considering letting …

Liens on homes 
Can debt collection agencies put a lien on your house if the debt was for someone who owned the house before you? I was just told I am going to have a …

My 19yr old took out a Student loan, we did not co-sign it are we still responsible? 
My 19 year old took out a student loan to go to college against our advice. We did not agree or help her get the loan. My husband tells me now that he …

is long term injury judgement proof 
I know from your site that SSI for injury is judgement proof but is long term injury payment from my job not workman's comp? And also as part of my long …

Student loans show "transferred to recovery" on credit report 
There are several student loans from AES/National Collegiate that I cosigned for when my daughter went to college. I admit that I was making those payments …

Unemployed and a Judgement Against Me 
I have a judgement against me for approx $10,000. This debt was from 15 years ago and it was money owed for attorney fees. In the past 2 months, I have …

Can They Take My House Paid In Full?  
I just bought a house and I fully paid for it. I found out I have cancer. I have no insurance and I'm unemployed. I am divorced and my child is on free …

Will this be put on my credit? 
A hospital has turned me into a collection agency. Payments are always made on time and they have turned me in before the due date of my last bill. The …

How can I get a credit card issuer to confirm last payment?  
I'm being sued for a very old debt that is well beyond the statute of limitations. I have been served with court papers and have to make an appearance …

private or public auction for auto reposession  
My husband turned a car back over to the finance company in arizona .. I have heard if it was sold at a private auction that he would not owe on the vehicle.. …

Can Creditors Take My Lease Car? 
I have cc debt and have trouble paying them. Can they take a leased car from me? Reply from DebtCollectionAnswers.com: Michael, Your car is …

Can I Keep One Credit Card? 
I am 71 went to a lawyer he said I was judgement proof. The question is this.I stopped paying the cc but i would like to keep 1 from a different co will …

One Charge Off 
I have several credit cards. Will one charge off affect the other credit cards that are in good standing? Bank stop sending statements in my business …

Old Debt I Can't Pay...Help 
I was just informed that I owe $57,000 to a person that I was in an accident with over 7 years ago. They claim they have a judgement against me but I …

How Do I Find Which Debts Are In Collections? 
I am looking to find out what debts I have in collections? Reply from DebtCollectionAnswers.com: The best advice we can give you is to check our …

I was served with a summons, I made a payment arrangment, but the agenct has not sent the info to the court and I am to appear in a week 
I was served on 8/24 with a summons to appear in court. I didn't realize that I owed this debt. But long story short I called the debt collection number …

5 year debt 
Okay, I bought my truck in aug 2004 and in jan 2006 i was not able to make payments anymore so i stopped. It is Sep 2011 and i still have the vehicle …

Speciality Pharmacy Won't Accept Payment Plan Offer 
Are there any laws or rules against a company not excepting a payment plan if you say you are willing to pay and set up a plan but they aren't willing …

Beyond Statue of Limitations Now What? 
I had a debt for 88.99 from a Wells Fargo Checking account while I was in college. The account was charged off and closed in 2006. I opened a new checking …

Collection of Old Debt 
I live in Michigan, and received a notice in the mail that I owe over $5,000 to Capital One and that a debt collector would like to work out a settlement. …

Student Loan and the school was bought out.... 
I was attending a trade school and needed to take time off to save money. I informed the school that I was going to just take a break and return in 3 months. …

Serving A Summons 
So I have this bill that 7 years old and for the last two years I had this place not really sure who they are but they keep telling me they want to serve …

Continued harrassing phone calls even after a debt is settled in full 
My insurance company has paid off my car after it having been totaled. TK finance keeps calling and harassing me even though payment has been made and …

Zombie Debts Already Paid 
What recourse do you have for companies trying to collect on zombie debts, or debts that have already been paid? Reply from DebtCollectionAnswers.com: …

How can you be protected from debt collectors if you payed your equal portion on a three portion lease? 
How can you be protected from debt collectors if you paid your equal portion on a three portion lease? The debt collectors said we can split the debt …

Collection Account Payment, Money Order Or Debit Card? 
Do I have to pay with my debit card, can they make me use a card? or can I send them money orders? Reply from DebtCollectionAnswers.com: We don't …

What does the word RECOVERY mean when written on a settlement check?  
I received a settlement offer letter from a bank and they said to put the word RECOVERY on the payment along with my account number. Does that word RECOVERY …

Responded to Collection Settlement with Stipulations and haven’t heard back 
In May of 2011 I received a settlement letter from a collection agency. The collection agencies "Acceptance period expiration date" was June 10, 2011. …

Dad Ruined My Credit 
My dad somehow got a loan in my name when i was 16 for a work van and never paid on it the van got repoed and now my credit score is below 450 WHAT DO …

Mtg co calls asking for payment prior to payment being late 
Like most people my mortgage is due on the 1st of the month but isn't late until the 16th. I have never been late on a payment yet every month they call …

Can A Leased Car Be Repossed? 
Can a bill collector reposes a car that is leased? Reply from DebtCollectionAnswers.com: If you mean, can the lender that financed your leased …

Same Account Bought by 2 Different Collection Agencies and They Report on 2 Different Bureaus. 
I have an old Sprint PCS account from 2009. Two different collection agencies purchased this account and are both reporting it. One agency is reporting …

Can My Girlfriends Account Be Garnished For My Child Support? 
If i am on my girlfriends checking account and owe back child support, can they take money out of that account? Reply from DebtCollectionAnswers.com: …

Question on unpaid loan 9 years ago 
A bank sold my unpaid loan debt to a collection agency. Could this agency sue me or could the bank sue me?. I am getting disability and am barely making …

Being sued for car accident but can't pay 
I am being sued for a car accident I had two years ago. I was insured, but for a small amount. The other party's car was totaled and their insurance …

garnishment and writs 
We are in foreclosure and there is a date for summary judgment or deficiency judgment and attorneys fees and something else. The a mortgage is an FHA loan …

How does one declare your bank account funds exempt? 
My mother is 88 years old and is being sued by a debt collector for Walmart. My mother is not of competent mind and has no recollection of ever having …

Debt drop off after 7 yrs.--- back on credit report 
Collection agent listed on credit report, and put date they brought account and not list the date that the original account default, and …

Debt Validation Problem 
Hi i recently disputed items on my credit report. Some came back verified and received letters from the CA asking me for Info on the debt and to send it …

I Owe Consumers Gas - Can They Add Bill to Dads? 
I owe consumers gas 2000 dollars. My question is I stay with my dad and a law firm put my debt on his bill can they legal do that? Reply from DebtCollectionAnswers.co …

Gas Bill For a Minor 
There was a gas bill put in my name when I was a minor and was never paid and it is on my credit report. Should this be on my credit report and if not …

I wasn't served yet the collection agency obtained a judgement against me in court. How can I stop them from taking my money? 
I accumulated about $30,000.00 in medical debt. One collection agency sued me and got a judgement against me. I was in a rehabilitation facility in AZ …

Worried About My Debt 
I owe GE money bank 1,800 and i haven't been able to pay them for 4 months and a lawyers office called me to collect, but i just get SSI for my son and …

Student Loan Debt and Disability 
I signed for my son's student loans with South Carolina Student Loans and Sallie Mae. I also signed my husband's name as co-signer. My son is still …

Mechanics Lein by Sub after Customer paid GC and GC filed Bankruptcy. 
A kitchen cabinet company was paid in full for a job they did for a home owner. He did not pay the counter top people the $4000.00 for the granite. He …

Being Sued by Credit Card company 
I just found out that I am being sued by my credit card company. The debt collector never told my that is what he was doing. What do I do?

Garnishment on joint account 
Our joint account is in MO but we live in IL and I a credit card company who froze both our joint accounts (checking & savings) but I make no deposits …

Garnishing wages and bank accounts for the same debt. 
Can a collection agency (actually a law firm debt collector), garnish your wages and at the same time empty your bank account? I have this law firm who …

Mail coming to the ex-wifes address - I don't live there 
My ex wife is putting my name on mail delivered to her address. I do not live at that address and haven't for several years. I am concerned about the …

Debt Collector Going to Boyfriends House to Collect?  
A debt collector is trying to come to my boyfriends house to collect and I told them do not go there I also told them I do not live there no bills are …

Interest On Charged Off Debt 
If a credit card has been charged off and/or sent to a collections agency, can interest still be added to the balance? Reply from DebtCollectionAnswers.com: …

Can My Out of Country Casino Debt Be Collected? 
What if anything can casinos located out of the US do about collecting debts from US citizens? Reply from DebtCollectionAnswers.com: We're sorry …

Mentally Disabled and Credit Cards 
My sister is a mentally disabled adult with the mentality of a 12 year old, receives Social Security and has a part time job at a deli where she prepares …

Can an atty take my current car to satisfy a previous car repo judgement. 
I had my car repossessed due to unemployment 3 years ago. My mother gave me a car 1 month ago. The atty for ford is still demanding payment on the judgment. …

Joint Credit Card and Bankruptcy 
My mom had me as an authorized user on a Chase credit card. She filed bankruptcy and now they have made me primary card holder and reported to credit bureaus …

Which Collection Agency Has My Debt? 
How do I find out which collection company golden 1 sold my car loan to? Reply from DebtCollectionAnswers.com: You can check your credit report(s) …

Transferred Debt On Credit Report 
If I have a letter from the original credit stating that they have transferred my debt to an outside company, can they still report the debt on my credit …

Financial Records 
How can a debt collector have access to you financial records and what can they not garnish? Reply from DebtCollectionAnswers.com: Dennis - Debt …

I Offered Payment They Refused 
i just received a collection call at work - - the collector got upset when I refused to give my social security number and date of birth over the phone. …

I need info on a credit card question please... 
I have not worked since 1994... I was sent a credit card form in the mail back in 2008. I filled it out.. where it said INCOME.. I just put Hubbys above …

Out of State Collection Bureau 
If I had my loan in my state can the bank sell my loan to another state collection bureau? Reply from DebtCollectionAnswers.com: As long as the …

Losing Your House in Divorce 
What can I do if I'm getting my wages garnished from my check on a house that my ex-wife won in divorce and was supposed to keep up with the mortgage payments? …

Summons Issued From Bill Collector 
If I have no income, became disabled almost 2 years ago and I am taken to court for a past collection for a repoed motorcycle. Am I still liable to pay …

Selling Debt From One State to Another 
If you had an old debt...10years+. Can one state debt collector sell that debt to someone in another state and have the second state summons one to court …

Delinquent Home Taxes 
My mom passed away four years ago and I have been paying the taxes on time. My mom name is still on the home. I haven't paid the taxes this year {2011). …

Bad Debt, Collections, And Credit Reports 
How long can collection agencies hurt my credit scores? Reply from DebtCollectionAnswers.com: Collection accounts may be reported for seven years …

Debt Collector Wants Full Payment After Setting Up Payment Plan 
I have a lot of credit card debt. I originally had a credit card through U.S. Bank but I was having trouble keeping up with the payments. Last year U.S. …

Bank Taking Money Out Of Account 
I had 2 accounts with a bank. one was closed with an overdrawn amount. bank and i had arrangement few years ago for payments. eventually account was …

Settlement Of Old College Tuition Bill 
I have an old tuition bill that has been sent to NCO Financial, they have added over $2000 in late fees and interest fees bring the bill to $7000. I would …

Timeshare woes 
Hello, My ex girlfriend and I purchased a timeshare in 04 for $6000, I lost my job in 08 got down to $4800 broke up and she stopped paying on it, credit …

Collection from Tracers 
I have a tracer (Capital Recovery) that told me that they could get me $450 from HUD that was owed to me back in August of 2002. At the time they told …

Am I Ultimately Responsible? 
As a gesture of good will I did not cancel home phone service at my ex-wife's house. She couldn't afford the deposit fee so I just moved out and left the …

How Long Can A Debt Be Collected? 
It is true that after (7) seven years a collection agency can no longer force you to pay off a debt? Reply from DebtCollectionAnswers.com: You are …

Negative Account Reporting 
I put my name on a churches account, but the account went into a negative and we are not able to pay it right now. will this effect me my credit and my …

My Ex Husband Owes Money To A Collection Company 
Help! My ex husband was illegally occupying an apartment unknown to my knowledge. Now the collection company wants the money that he owes. The collection …

Credit Card Collecter Saying They Will Take A Car Im Paying To Another Comanpy And Impound It 
A credit card collector called and said if i didn't pay they would get a judgment and seize my vehicle and impound it until i paid debt in full. Is this …

Garnishing My Checking Accounts For A Debt No Longer On My Credit 
In 2001 I had a car that was stolen I had lost my job in between the time the car was stolen and found. And I owed the loan company over $16000. The …

10 Year Old Car And A Collection Agency Playing Unfair 
I purchased a used vehicle years ago. I had trouble making payments and struggled through the last 2 years of the loan. I had one more year of payments …

Sixteen Year Debt That Wasnt Mine 
I received a letter from a creditor last week may 2011, stating that they would settle my debt for a $1000.00 original debt was $3500.00 for a Bally's …

Can A Collection Agency Levy A Minors Savings Account.. 
Can a collection agency levy a minors savings account because the parent's name is on it? I have 2 kids and 2 savings account for them, but because they …

Old Man Needs Help With Cosigned Account 
I co signed for a friend four years ago on a car. She has quit making the payments four months ago and the collection people are after me. I live on social …

Social Security Intercepts 
Can social security be intercepted for unpaid hospital bills? And if so, will the Social Security pay off the unpaid hospital bills before unpaid child …

Collectors Stole My Money 
I paid a collection agency over the phone and they said they would send me the confirmation of payment in the mail after they received the money. But they …

After A Verification Letter Is Sent 
We are dealing with three debt collectors at once and have sent verification letters to each by certified mail to get a full accounting of the charges. …

A Debt Collector Withdrew Its Efforts/Settled/Original Creditor Back 
Our lawyer worked with a debt collector and explained his clients (elderly woman) situation and this was after being sued. The debt collector withdrew …

Excess Credit Reporting 
How can I stop a creditor from continually reporting to my credit report? I have a company that from Oct 29, 2006 through May 5, 2011 reported to my credit …

Can You Get Jail Time For Not Paying Debts?  
Can you go to jail for not paying credit card debt to collections? Reply from DebtCollectionAnswers.com: It's highly unlikely. Learn more about …

Can Debt Collector Sue Me For 17 Year Old Debt? 
I had a debt that was written off 17 years back in 1993. Now i am being sued for that debt. Is that legal? Or can they sue me for the debt? Reply from …

Debts in other countries 
I am not from the US but live here, am green card holder. If I have debts in my home country, can the debt collector there take my house here in the …

Being Sued For A Debt That Has Been Paid 
My Mother in law is being sued by an attorney on behalf of a collection agency for the full amount of the claim plus fees. She has kept accurate records …

What can a debt collector do to tourist living outside usa 
Dear sir I am a tourist that visited usa and rented a car and i got into car accident, i paid my insurance but i want to know what to do if i got …

Title Loan in Default 
I live in Las Vegas. I want to know what is a way to get a Title Loan company to not repo your car if you do not make enough money to meet the amount …

Repo Truck Can't Find Collector 
Had truck repo'd about 4 yrs ago and can't find the collection agency that has the collection on it? Would like to get a phone number to contact them. …

Collection Company Reports The Debt After The Fact 
I paid a Dr bill (late) over a year ago directly to the Drs office. Now, nearly a year later, the debt ($54) shows up on my credit report as unpaid. When …

Electric Bill For A Minor? 
When i was 16 an electric bill was put in my name am i legally responsible to pay even though i was a minor? Reply from DebtCollectionAnswers.com: …

Late Fees 
I have a debt that I have not paid for a full year can the debt collector charge be a 10% late fee of my balance? In doing this the debt collector is charge …

life lease 
I have a life lease on my home. Can an unsecured creditor gain a judgment against me and take my home?

Automatic dailer 
What states are automatic dialing prohibited?


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