Kevin V.K. Crick’s Answers

Kevin V.K. Crick

Boston Litigation Lawyer.

Contributor Level 9
  1. I requested a debt validation which arrived 6 months later with no signatures just a photo copy of the debt.

    Answered almost 3 years ago.

    1. Kevin V.K. Crick
    1 lawyer answer

    From my experience that would not necessarily be enough. It is not enough to provide what you say they provided you. They must identify the terms of the loan, display accounting of any payments, the dates on which those payments were made, the interest which had accrued, any late fees which had been assessed, and so on, including the existing unpaid contract balance. Basically, they must send you full payment history, a copy of any contract, and how they calculated any fees tacked on. If...

    5 lawyers agreed with this answer

  2. Validation of Debt

    Answered almost 3 years ago.

    1. Kevin V.K. Crick
    2. Tom Arany
    3. Daniel Anthony DeLiberty
    3 lawyer answers

    The collection agency has to receive information to help validate the alleged debt from the current creditor. The FTC has stated that mere itemization itself is not enough. They cannot just give you what their own account information and offer it as proof that the alleged debt is valid. Copy of the signed contract is good, but they should also give you something breaking down the charges. If you have actually spoken with this agency feel free to call my firm early next week and we could try...

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  3. Colection agency file line on my property belong to unsecure credit card debts for my wife. Property belong to me.

    Answered about 2 years ago.

    1. Brian Crozier Whitaker
    2. Joshua Branden Swigart
    3. Kevin V.K. Crick
    4. Deborah F Bowinski
    5. William James Waters
    6. ···
    6 lawyer answers

    I agree with the other attorney's answer, you should contact a local attorney immediately.

    5 lawyers agreed with this answer

  4. Bankruptcy and Taxes

    Answered almost 3 years ago.

    1. Jeffrey Branan Kelly
    2. Andrew Daniel Myers
    3. Walter C Oney Jr
    4. Ian Marc Falcone
    5. Kevin V.K. Crick
    6. ···
    6 lawyer answers

    In full agreement with Attorney Meyers, please seek an experienced Bankuptcy Attorney licensed in your jurisdiction that won't charge you an arm and a leg for their representation.

    5 lawyers agreed with this answer

  5. My mother died and left no money. do I have to pay her last electric bill?

    Answered 8 months ago.

    1. E. Alexandra Golden
    2. Michael J. Szklasz
    3. Kevin V.K. Crick
    3 lawyer answers

    I see this all the time in my practice - from what you have described, you have no obligation under the law, and the other attorneys are correct, their insisting you do is a violation of federal law if it is a third party debt collection agency, entitling you to damages between $1-1000.00. If you hire an attorney, the collector also may be responsible for your attorney's fees and costs. They might have also violated state law in MA as well, even if they are the original creditor, and if they...

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  6. Can money be taken out of my bank account without my knowledge by a collections law firm?

    Answered almost 3 years ago.

    1. Paula Brown Sinclair
    2. Kevin V.K. Crick
    3. John Addison Vos
    4. Brian C. Pascale
    4 lawyer answers

    Feel free to call my office to discuss this, and we will try to direct you to an attorney who can help you in regrads to this. In my opinion, they are liable to you for violating two federal acts, the Fair Debt Collection Practices Act, and the Electronic Fund Transfer Act. They could owe you max $1000.00 for violations of the FDCPA, and max $1000.00 for violations of the EFTA. This could be leverage that you could use against them to negotiate a better payment plan, if there was any fraud...

    4 lawyers agreed with this answer

  7. What happens if you skip your motion for issuance for execution court date

    Answered 8 months ago.

    1. Michael J. Szklasz
    2. Kevin V.K. Crick
    3. John O. Postl
    4. Christopher W. Vaughn-Martel
    4 lawyer answers

    I agree with the attorney who answered before me. A default judgment generally. Please consult an attorney on this to assist you if possible.

    2 lawyers agreed with this answer

  8. Proof of Debt Validation from Collection Agency

    Answered almost 3 years ago.

    1. Kevin V.K. Crick
    2. Scot J Eliot
    3. Russelle L. Holsinger
    3 lawyer answers

    I don't think that they have to provide all, but I do believe that whatever they are providing MUST come from the current creditor. They cannot just print whatever they have on file. If they do it could be a misleading communication back to you from the debt collector that could entitle you to max $1000.00 under the Fair Debt Collection Practices Act (FDCPA). Please feel free to give my office a call early next week so that we can try to put you in touch with an attorney in your state who...

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  9. Green Card!

    Answered about 2 years ago.

    1. Veronica Tunitsky
    2. Giacomo Jacques Behar
    3. Haroen Calehr
    4. Kevin V.K. Crick
    5. J Charles Ferrari
    5 lawyer answers

    I agree, it is likely that this is fine.

    3 lawyers agreed with this answer

  10. I have been paying on my account at a hospital in Michigan, the turned me over to collections.

    Answered about 2 years ago.

    1. Michael J Corbin
    2. John F. Brennan
    3. Jeffrey Scott Hyslip
    4. Kevin V.K. Crick
    5. Mengjun Qiu
    5 lawyer answers

    It will likely affect your credit score. Feel free to message me and I might be able to put you in touch with an attorney in your state who can help to determine if the collectors have violated your rights, as well as the creditor.

    3 lawyers agreed with this answer

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617-838-3237