John F. Skinner III’s Answers

John F. Skinner III

Manchester Litigation Lawyer.

Contributor Level 9
  1. I'm being sued....

    Answered about 1 year ago.

    1. John F. Skinner III
    2. Robert J Adams Jr.
    3. Shaye Larkin
    3 lawyer answers

    You need a Consumer Protection Attorney. Currently, I am one of only two NACA members in the State of New Hampshire. NACA is the National Association of Consumer Advocates. Although you are generally correct in that it is usually cost prohibitive to pay an attorney to defend against a collection action in small claims court, I do sometimes help out my clients where we have, or could, successfully bring counter-claims [or a separate lawsuit] for violation of State or Federal debt collection...

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  2. Can I sue a creditor(Everest Cash Advance) for contacting my job & disclosing personal information to my supervisor? I will PAY!

    Answered about 2 years ago.

    1. Thomas R. Beauvais
    2. John F. Skinner III
    3. George Charles Samiotes
    3 lawyer answers

    I agreed with my colleague Thomas R. Beauvais. This is likely a violation of State law for an illegal usurious loan, therefore, you might not be obligated to pay back any additional funds. But more importantly, there appear to be FDCPA violations here which will entitle you to money damages [up to $1,000] and legal representation at no cost to you. We would also like to review the voice mail, it is important that you preserve it for evidence. Please contact my office for no cost/no...

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  3. If a credit card company get's a judgement against you can they attach it to your SSDI income?

    Answered 3 months ago.

    1. John F. Skinner III
    2. Daniel S Gindes
    3. Mildred N. Phillips
    4. Stephanie Hilton
    4 lawyer answers

    CAN they do that, legally? No. the SSDI income itself is exempt. COULD this still happen to you if you aren't careful? Yes. If they attach your bank accounts and the Banks are asleep at the wheel regarding the protected status of the funds, you could lose your money, or at least access to it for some period of time. If you have a large savings of SSDI money, or if you transfer the funds, deposit cash, etc.- you might find it gone to trustee process. You must be vigilant to protect your...

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  4. What does a "Stipulation of Dismissal as to all Claims and Counterclaims" with prejudice mean?

    Answered 9 months ago.

    1. Christopher M. Lefebvre
    2. John F. Skinner III
    3. Richard Glenn Elie
    3 lawyer answers

    I agree with that summary- "a permanent cease fire". So, depending on how much you owed, vs. the seriousness of their violations, it could be a fair deal. Please consult with a lawyer. Since you are aware of the consumer protection laws, you should also know they provide for your attorney's fees. I routinely handle such claims at no cost to the consumer in reliance on these fee shifting provisions of the law.

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  5. Can you be sued by a third party in Massachusetts for a Internet payday loan?

    Answered over 1 year ago.

    1. John F. Skinner III
    2. Keith G Langer
    3. William Emil Cassara
    3 lawyer answers

    Can you be sued? Yes. Are these folks going to sue you? Almost certainly not. This fact pattern fits that of many con-artists and crooks. NEVER pay anyone over the phone unless you called them. ALWAYS request confirmation and/or verification of any alleged debt in writing.

    5 lawyers agreed with this answer

  6. Must we move because of foreclosure on rented house

    Answered over 2 years ago.

    1. John F. Skinner III
    2. Kati M. Amarantes
    3. Erik Hammarlund
    3 lawyer answers

    Tenants in a foreclosed home have important new rights under State and Federal Law. Additional information can be found here: http://www.massresources.org/foreclosure-tenant-rights.html Basically, you're entitled to 90 days notice, and, if you have a lease, you can stay until the lease expires. I'm sure the Town's lawyer will work with you in a lawful and professional manner. If not, you may consider hiring a lawyer, or contacting legal aid, to assert your rights.

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  7. Can I Sue a Collection Agency for Harrasing Phone Calls?

    Answered 5 months ago.

    1. John F. Skinner III
    2. Herbert Weinberg
    3. John N. Mansella
    4. Keith Mathews
    5. Michael A. Satterwhite
    5 lawyer answers

    Yes, that sounds like harassment, and yes, you almost certainly have a case! You should contact an attorney right away to review the specific details with you. There should be no charge for the review and if your case is accepted, no cost to you for the representation. We routinely do such free reviews and recover funds for consumers in similar situations. I use State and Federal law to make debt collectors (and banks) pay for such bad behavior.

    4 lawyers agreed with this answer

  8. I need to have a mortgage modification. After filling out a quick questionnaire, on line, one law firm called me from Utah.

    Answered over 1 year ago.

    1. John F. Skinner III
    2. Daniel Dufresne
    3. Erik Hammarlund
    4. Shawn B Alexander
    4 lawyer answers

    Do not, under any circumstances, hire a lawyer that is not licensed in your State! I do a lot of Foreclosure Defense work and I am also FROM Dighton, MA! Please be in touch.

    4 lawyers agreed with this answer

  9. Employment Wrongful Termination Settlement Taxed?

    Answered about 2 years ago.

    1. John F. Skinner III
    2. William T Harrington
    2 lawyer answers

    That actually sounds great! As long as the numbers are accurate, it looks like they did everything right. It is often preferable to have the funds properly allocated in this manner rather than in one lump sum check from which employers will often want to deduct payroll taxes, just to cover their own possible future liability. Nothing unusual here.

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  10. What can I do if a company associates my social security number with a collection that does NOT belong to me?

    Answered over 2 years ago.

    1. John F. Skinner III
    2. Jefferson W. Boone
    3. Michael A. Goldstein
    3 lawyer answers

    You should consult with a consumer protection attorney to protect and assert your rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I practice in this area and you may have remedies available to you. In Massachusetts, you also have many additional rights afforded you, some of which are available here: http://www.lawlib.state.ma.us/source/mass/cmr/cmrtext/940CMR7.pdf You may be entitled to money damages and you may be able to hire an attorney at no...

    4 lawyers agreed with this answer

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