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Kevin V.K. Crick
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Kevin Crick’s Answers

57 total

  • What would happen if someone took out a large bank loan then got fired and then left the country forever? silly isnt it?

    UK

    Kevin’s Answer

    I agree. You could both be prosecuted, as well as it depends on whether the county you would flee to would have a treaty with the U.S. in regards to U.S. civil laws and them recorgnizing a judgmenet obtained agianst you in the U.S.

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  • After sending a demand payment letter and the defending will not pay how do you proceed in collecting what is owed to you?

    Judgement was awarded to me after a poorly botched paint job on my house, I have been to small claims court twice, sent him a judgement collection letter and still no contact or payment from the painter.

    Kevin’s Answer

    I agree with my colleague, the next step is to contact a debt collection lawyer to help you collect on the debt. Some only request a portion of the recovery for their payment, so nothing really comes out of your pocket.

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  • Was I legally served and can I get a case dropped re: Portfolio Recovery Assoc?

    I was served papers yesterday. Well, what happened; my roommate & I had friends from out of town visiting, I had to run to the store & my roommate was in the bathroom when someone rang the doorbell. Well, our guests answered the door because we we...

    Kevin’s Answer

    Feel free to send me a message. Sometimes debt buying debt collectors like Portfolio will waive the debt if they have violated your rights, in the hopes of not getting sued by you. I am not sure what they might have said in communications with you, but if they have violated your rights in any way, you could be entitled to $1000.00 for their violating federal law, and they could have to pay your attorney's fees and costs. If they've called you using an automated dialing machine after you told them not to, you could be entitled to up to $1500 per call that they made to you. Feel free to message me if you need more information or a consultation. Regardless, I hope this advice helps.

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  • My only income is $840.00 per month social security. I live with my son as I coudn't pay the mortgage on a house I own.

    I'm 82 and the harrassment is really getting to me from creditors as I have credit card debt plus other debts. . I have to file for bankruptcy. I've always had too much pride and I don't want anyone to know about it. In Wenatchee as I am too we...

    Kevin’s Answer

    Many times you might be surprised that some of the communications these collectors are making to you are illegal. Feel free to send me a message, I would be happy to talk to you to see if there is more information I could provide to help.

    I am not sure the amount of your debt, but you have displayed a desire to keep things discreet. A lot of the time, if a letter is sent to these debt collectors to inform them of their illegal activity and the possibility that you might sue them for it, they stop their illegal activity, pay you a settlement amount (up to $1000.00 for their illegal activity, and in other circumstances $500 per call if called by an auto-dialer after you told them to stop calling you), and many times waive your total debt and request deletion of the trade lines, all dealt with in a confidential manner. Again feel free to contact me, and I hope this helps.

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  • Walk-Away from Debt?

    I am 36 and living with my parents. They provide me with free room and board. I moved out of my apartment, without mgt's approval, and moved into their home. My questions are: 1) I'd like to walk-away from all my debts, no matter the results to my...

    Kevin’s Answer

    If you're saying that you are being threatened or harassed by debt collectors, feel free to send me a message for more information when you are able. I know people in your area with my firm who can assist you, and would be happy to provide you with any information.

    Sometimes these collectors end up owing you up to $1000.00 for violating federal law, or also $500-1500.00 per call made after you told them to stop calling if they are using an auto-dialer to call you. I have also seen many debt collectors who own people's debts waive the debt to avoid being sued, no matter how much the debt is. These collectors should only be dealing with you in a legal manner, and you might be surprised at what is illegal that you might not have originally though was illegal.

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  • I owe 15,000 directly to my college in tuition and fees. It has since gone to collections. Is bankruptcy an option ?

    Umass Amherst No loans

    Kevin’s Answer

    Feel free to send me a quick email to contact me with any more questions.

    If these collectors have violated your rights, you might be entitled to up to $1000.00 per collector if they violated federal law in the way they are collecting. In some instances, $1500.00 per call if you told them to stop calling you with an auto-dialer ad they ignored you.

    Bankruptcy is an option with student loans, but it very hard to get them discharged via bankruptcy.

    However, there are resources that you can be put in contact with who might be able to help you consolidate your loans, which would help in reducing payments to an affordable amount, and then you can go after any possible offending collectors. I hope this helps.

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  • Better to pay medical bill in full to collection agency or doctor's office and have removed from credit report?

    Called the collection agency and was told they were not a collection agency, but the main billing office. Was told nothing has been reported to the credit bureau yet. Found all this to be untrue. I would have to pay the full amount in 30 days to...

    Kevin’s Answer

    If this agency lied to you, then they might be the ones ending up owing YOU money. I would not hesitate to get the compensation you deserve under the law in my opinion.

    It sounds like they have violated the Fair Debt Collection Practices Act from what you have described. Feel free to contact me via email, or call my office on Monday, and my firm will direct you to a Florida attorney who can help you for no cost out of your pocket. Sometimes attorneys are also able to have them remove negative trade lines that they are responsible for.

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  • Do I have to give my name to a police officer if I'm just watching an arrest?

    Under California or Federal law, do I legally have to give a police officer my name and identification, if I am just watching an arrest take place? Last week, my friends and I saw a neighbor down the street get arrested and there were all thes...

    Kevin’s Answer

    They can ask for it, as the other attorneys have mentioned. You can refuse to give your name, but definitely do not give false information.

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  • Bankruptcy and Taxes

    My husband applied for bankruptcy in November 2010 and was discharged in March 2011, I was not part of the bankruptcy. If I file jointly will the refunds be taken by the trustee or do I file on my own. Thanks

    Kevin’s Answer

    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.

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  • Debt Validation - is there case law where a debt validation requests follows the debt?

    I have been told that in the US District Court of Northern California that if a debtor seeks validation with a collection agency, that validation request applies to the collector and to all others who subsequently work the alleged debt from that p...

    Kevin’s Answer

    I am not sure whether that Circuit has precedent cases dealing with the FDCPA, that have held that all others who subsequently work the alleged debt are bound and deemed to have been put on notice from that point forward. Personally I doubt that would be the case, unless it could be proven that all who worked the alleged debt thereafter were given knowledge of the validation request that had not yet been answered. If you're having problems with a collector, feel free to email me your info or contact my office Monday and we will try to put you in touch with an attorney licensed in the federal court for your federal district in North Carolina who can help you at no cost out of your pocket.

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