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Kevin V.K. Crick
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Kevin Crick’s Answers

57 total

  • Can interest be charged on a debt that has been charged off and sold to a third party ?

    I have a debt that I paid what they gave me for a health care loan, but late fees and interest was all that I owed I was being a smarty and just wanted to pay the loan, so that is what is left. The collections agency said they have the contract an...

    Kevin’s Answer

    Feel free to contact my office anytime on Monday, or email me. In my opinion, it is possible that this agency overshadowed your right to dispute the validity of the total charges of the debt. Yes you owe the debt, but who knows the the fees and interest that they wish to charge are valid? They could owe you max $1000.00 for violating the Fair Debt Collection Practices Act, and we know attorneys who might represent you at no cost out of your pocket.

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

    I applied to a program( the college network) for my nursing degree. Where an automatic loan is approved but I cancelled as i got bad reviews and the was given wrong information. The program told me I could only cancel within 3 days of applying and...

    Kevin’s Answer

    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 involved in what they told you, it could be possible that the contract be found unenforceable. Don't hesistate to find legal representation, as what they have been doing seems completely unacceptable.

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  • Before I file answer to 3rd party debt collector lawsuit (AZ), should I file a motion to dismiss (standing)? Will this help?

    Being sued by junk debt buyer. They did not verify debt or provide any substantiation that they have the right to collect. We did have original debt with original creditor. But, we don't want to pay someone who isn't authorized to collect. I...

    Kevin’s Answer

    I agree with both of the other attorneys' responses. I feel that you should contact a local attorney in your state soon, though it is possible you could also possibly do this pro se.

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  • Can preffered platnium take me to court for $502.00 for a phone sex hotline bill that i dont owe ia m 28 years old and i am in

    college never had anything like this to happen to me

    Kevin’s Answer

    If you have already given them good reason to know that the bill is not yours, and they continue to attempt to collect, that could be a violation of the FDCPA, possibly entitling you to max $1000.00. Please feel free to contact my office early this upcoming week and we'll try to put you in touch with an attorney who might be able to assist you on contingency.

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  • Can the victims seek restitution from the actual burglar also? Even though restitution was awarded in the first case...

    A store was burglarized by one person, the burglar was provided information from one of the store's employees. The employee was convicted of burglary. Restitution has been awarded as part of the probation agreement in this case. The actual b...

    Kevin’s Answer

    As the others are saying, I concur, you can seek this.

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  • How much interest can a collection agency add on to a debt that was origially $110 dollars in 2004? In Wa. state,Is $1650 right?

    They must of bought 2 checks from the bank one for 15.00 dollars and one for 85.00 dollars that didnt get paid during a divorce. I am being garnished at wk after just finding out when papers were served,for total of 1,685 dollars.The checks were f...

    Kevin’s Answer

    I believe you should contact a local attorney as soon as possible, and prove that attorney with more facts, hope you find success in that.

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  • How do I get a collection agency to leave me alone if my ex-husband was named as the responsible party in our divorce decree?

    I get phone calls daily, threatening to sue me, ruin my credit and being very forceful telling me that it does not matter what my divorce decree says, they claim I am responsible for my sons student loan and it has to be paid immediately in full. ...

    Kevin’s Answer

    It sounds as though they have been harassing you, feel free to contact my office and we can try to put you in touch with an attorney in your area who might be able to assist you. Good luck with this issue regardless.

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  • I have been financially harmed by the C.H.F.Services due to the agency's neglect and irresponsibility. Do I need an attorney?

    The Agency took nine months before starting to consider an application for Medicaid. The nursing home charges continued to increase during these nine months of inactivity. The Agency's response to many letters back and forth is that the applicant ...

    Kevin’s Answer

    Please contact a local attorney as soon as possible who might be able to assist you and charge a reasonable fee.

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  • If a cash advance company sells your debt to a collection agency or investigating firm can they take you to court?

    I contacted the cash advance place and they told me they sold this debt back in 2008. This investigating firm said they would contact the creditor ( cash advance place ) and tell them I refuse to pay this debt and they will take me to court. the c...

    Kevin’s Answer

    In my opinion, and I think i answered your other post, it is a violation of the FDCPA.

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