Joseph A Mullaney III’s Answers

Joseph A Mullaney III

Media Debt Settlement Attorney.

Contributor Level 12
  1. Can a Payday Loan lender try and lock me up for not repaying a loan?

    Answered over 1 year ago.

    1. Joseph A Mullaney III
    2. Robert C. Keller
    3. Thomas Kenny
    4. Dorothy G Bunce
    4 lawyer answers

    Generally, a creditor has no legal rights until the creditor seeks to enforce them in court. Without a civil lawsuit or a criminal charge, a payday lender generally has no power over a borrower. Many payday lenders and buyers of defaulted payday loans falsely and outlandishly threaten criminal prosecution, etc.

    6 lawyers agreed with this answer

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  2. After wrongful Tax lien removed, how long until credit score change?

    Answered 9 months ago.

    1. Joseph A Mullaney III
    2. Christine B. Adams
    2 lawyer answers

    Generally, when a consumer disputes data (usually negative or misleading data) appearing in his or her credit report, the consumer must file a dispute directly with the credit reporting agencies (CRAs). The dispute strongly should be in writing and mailed certified, return receipt requested mail. The dispute should NOT be filed via fax, online, email, or telephone to preserve maximum rights and remedies under the Fair Credit Reporting Act. When a CRA receives a dispute, it usually must...

    6 lawyers agreed with this answer

    1 person marked this answer as helpful

  3. Can a debt collector add to the amount of a judgement that's already made?

    Answered about 1 year ago.

    1. Lawrence S. Rubin
    2. Joseph A Mullaney III
    3. Ian Richard Leavengood
    3 lawyer answers

    Generally, a judgment creditor may impose the "judgment rate of interest" on a judgment as well as other accrued court costs such as levy or garnishment fees.

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  4. Is there a way to remove myself as the co-signer of my son's student loans now that he has graduated?

    Answered about 1 year ago.

    1. Bruce C Truesdale
    2. Joseph A Mullaney III
    3. Fredrick P Niemann
    3 lawyer answers

    Generally, one cannot be removed from a co-signed loan absent bankruptcy or creditor consent. Additionally, the loan contract may provide a way for removing a co-signer.

    6 lawyers agreed with this answer

  5. Counsel Not Producing Any Documentation

    Answered about 1 year ago.

    1. Gregory Thomas Artim
    2. Joseph A Mullaney III
    3. Allan Julius Ray
    3 lawyer answers

    Generally, a junk debt buyer does not have to prove anything to the defendant. Rather, the junk debt buyer has to prove its case to a court. Generally, there is no discovery mechanisms in magisterial court. Formal discovery is available to either side if there is an appeal to the court of common pleas. Lastly, no one on a forum can advise you to file a motion or wait for trial. Such advice can only be obtained through an actual attorney/client relationship.

    5 lawyers agreed with this answer

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  6. Debit Card Scam -- PLEASE RESPOND !

    Answered over 1 year ago.

    1. Joseph A Mullaney III
    2. Robert C. Keller
    3. Seyed Abbas Kazerounian
    3 lawyer answers

    A person who believes funds were electronically and without authorization removed from a bank account should file a police report and provide all known information to conduct a reasonable investigation. When an "access device," such as a debit card is used, the Electronic Funds Transfer Act (EFTA), 15 U.S.C. § 1693, et seq., and Federal Reserve Regulation E (Reg. E), 12 C.F.R. § 205.1, et seq., define a consumer's rights and obligations. Both are linked below. (The cites may not reflect...

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  7. Will filing bankruptcy affect my PSERS pension in PA?

    Answered over 1 year ago.

    1. Joseph A Mullaney III
    2. Daniel Edward Mueller
    3. Carl H Starrett II
    3 lawyer answers

    The economy has crushed many Americans. Add divorce or unexpected medical expenses or reductions in income and you have a recipe for financial catastrophe. Fortunately, the US Bankruptcy Code can provide relief. Depending on circumstances, bankruptcy may allow one to keep his or her home especially if he or she is current on any mortgages. Bankruptcy does allow for the protection of most retirement accounts and pensions. Moreover, bankruptcy allows for a Fresh Start and a clean, orderly break...

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  8. CAN YOU WORK WHEN YOU RECEIVE SOCIALSECURITY DISability for yourself and children

    Answered 5 months ago.

    1. Joseph A Mullaney III
    2. Vance Tate Davis
    3. Stephanie O Joy
    3 lawyer answers

    Generally, a recipient of SSDI and/or SSI may work and earn income subject to strict requirements. Go over the requirements, and one risks losing benefits. Stay within the requirements, and one may retain benefits. It's a complicated analysis.

    5 lawyers agreed with this answer

  9. I signed a contract for a timeshare in June 2010 when i signed I was on SS disability for mental illness can this contract

    Answered 5 months ago.

    1. Lawrence S. Rubin
    2. Joseph A Mullaney III
    3. John P Corrigan
    4. Gary Ralph Ilmanen
    5. Eugene Andre Ahtirski
    5 lawyer answers

    Generally, mere mental illness and doing "things that normal people would not do" is not a defense against an otherwise properly-formed contract. But, if a person lacked contractual capacity (e.g., infancy, intoxication, impaired mental state, etc.) to enter a contract there may be a defense against a contract's enforcement. Such defenses are generally the burden of a person claiming them. Generally, mental illness is not a defense against personal responsibility.

    5 lawyers agreed with this answer

  10. I committed unemployment fraud in Pennsylvania in 2002 and haven't been contacted for 10 years. Am I immune from prosecution?

    Answered 6 months ago.

    1. Joseph A Mullaney III
    2. Stephen F. Gehringer
    3. Steven Auerbach
    3 lawyer answers

    Generally, one should never, ever admit to a crime. There is no such thing as internet anonymity anymore; all information can eventually be traced back to a person; news headlines abound regarding government tracking of all information. No one is safe. When a person believes he or she has or may have incurred criminal liability, that person ought to contact a criminal defense attorney at once for advice and guidance. There is no substitute for the advice and guidance provided by a criminal...

    5 lawyers agreed with this answer