Skip to main content
Edward George Hanratty
Avvo
Pro

Edward Hanratty’s Answers

79 total


  • In NJ, can a doctor's office charge a late fee of $50.00 or 20% of amount due, whichever is greater, on a $24.00 balance?

    In NJ, can a doctor's office to charge a late fee of $50.00 or 20% of amount due, whichever is greater, on a $24.00 balance if not paid in thirty days. Balance is past due 60 days and collection is threatened. This invoice has been paid in full.

    Edward’s Answer

    I think not. This is more of a question for a jury or judge than a hard and fast law. The late fee, even if agreed to, has to be a reasonable estimate of the cost to the Dr. of getting paid late. Who decides if its reasonable? A judge or a jury. You gotta go to court to fight this one.

    See question 
  • How do I settle a billing dispute with a Utility Company. They have been estimating my bill for over 5 years.The bill is wrong

    I have written to them on several occasions, offering to pay a percentage of the bill and they never responded. They continue to bill and the bill is thousands of dollars. Please Help. Please Advise.

    Edward’s Answer

    You will have to go through the public utilities commission. Why, because New Jersey is awesome and we have a commission for everything. Google NJPUC. Any billing dispute or problem with a public utility has to go to PUC first, before you can go to court. There is a complaint form online.

    See question 
  • Are children responsible for paying a deceased parent's debt?

    If a parent passes with extremely high medical bills and little money and property owned, I understand the estate will be used to cover what it can. However, in the case that the estate does not cover all the debt, will the children be responsible...

    Edward’s Answer

    NO. end of story. If you are the executor of the estate, that is a separate set of responsibilities, but just as a child, no.

    See question 
  • Received a debt collection letter from a dentist for an outstanding balance from work done about 1999?

    I had work done that they billed improperly and I called them on it. I got the debt down and was told that the balance of the debt would be cleared. Still about every 6 months get letters stating I owe them. It has been over 15 years, that I am d...

    Edward’s Answer

    They are past the time in which they can file suit, so as long as they don't threaten to sue they can ask for payment forever.

    See question 
  • Judgement against a former employer s andhis defunct company

    I have a judgement against a former employer and his defunct company he owns two other companies can i go after those bank accts”

    Edward’s Answer

    It depends, is the employer as an individual named? Its a thorny question.

    See question 
  • What can my employer/creditors legally take from my paychecks for a garnishment in NJ

    Gross pay weekly- $497.60 Taxes- $47.81 Child support Garnishment- $181.00/week Health insurance -$62.78/week I was told that when calculating your disposible income is only things required by law like child support and taxes ...

    Edward’s Answer

    Based on your figures it doesn't look like they can take anything.

    See question 
  • In New Jersey, what does a provider's income have to do with an adult child filing for bankruptcy?

    I have a 27 yr old son who is a recovering addict, unemployed and was recently homeless. I took him into my home to help him get back on track. He has large credit card debt which has gone into collections and thought bankruptcy would help in the ...

    Edward’s Answer

    If he went to legal aid or was seeking county benefits, they are trying to determine the household income, but that is different from how income is determined for bankruptcy.

    See question 
  • If my alimony it is my only source of income. How much can a creditor garnish if they receive a judgment against me?

    The consumer protection act protects individuals against creditors and limits the percentage of a persons income they can garnish. If alimony is my only source of income and they garnish the payments, do the same laws apply that apply to employer...

    Edward’s Answer

    There is an equation that you have to do, but it generally works out to be about 1/3 of your gross income.

    See question 
  • Can a judgement still collect interest?

    I have a judgement that I was never properly served and I have bills from the company after they filed the judgement (and won because I didn't have a chance to dispute it) that has accrued more interest and fees. Can they continue to do that after...

    Edward’s Answer

    The interest will accrue at the post judgement interest rate, you can find that at njcourtsonline.

    See question 
  • Can I sue Citibank for damages if I lost a refi due to them not having closed a judgment back in 2008?

    Citibank had a judgment opened on my name back in 2001. I paid it off in 2008. The judgment is open still and showing up on the home refi title search. They did not provide the clearance letter and I lost the low interest rate and now I will ha...

    Edward’s Answer

    Yes. Its a cloud on title. They have an obligation to clear the judgment within a set time under state law.

    See question