Brian T Shaw's Answers

Do I really need an attorney?

You should consult with a debt defense/consumer rights attorney in your state. You may find one that offers a free consultation. There are a lot of complicated issues regarding consumer debt collection that involve both state and federal law. If your debt has been sold, and a debt buyer is suing you, they typically have to prove that they own the debt which can be difficult. If you fail to answer the complaint you will typically lose by default. As such you should have an attorney review...

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Can negociations be made with the creditor's layer after a judgment has being entered?

You should consult with a debt defense attorney in your state. Some may offer free consultations. If you have a lot of outstanding debt, you might want to consult a bankruptcy attorney. In the state where I practice, judgments can be attacked under certain limited circumstances. Unfortunately, you have lost negotiation leverage since the debt has been reduced to a judgment. Nonetheless, you do have some power. Specifically, you have your money while they do not. They may be able use the...

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I want know can an attorney threaten you with crminal charges if you dont repay a payday loan back

You should consult with a consumer rights attorney in your state. Depending upon the circumstances, this attorney may be in violation of the U.S. Fair Debt Collection Practices Act (FDCPA) which forbids debt collectors from threatening to take legal action which they cannot take or do not intend to take. The law also forbids a debt collector from speaking to your employer accept in limited circumstances. This federal law allows you to sue a debt collector that has violated the act and...