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Brent Francis Vullings

Brent Vullings’s Answers

403 total


  • I just posted a question on CH. I filed a proof of claim in PA bankruptcy court

    Claim was for $38,000. There is additional $11665 , I was told not to put in claim, as it involves fraud, misrepresentation, dishonesty. I can not bring CH to small claims as her bankruptcy protects her . Local police will not take a theft report...

    Brent’s Answer

    Contact a bankruptcy attorney immediately. As my colleagues noted, this is not a do it yourself project, especially with a sizable amount of money at stake. I always tell people that going up against another lawyer on your own is like going into a boxing ring with Mike Tyson ... with no boxing gloves. It is not wise.

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  • Can a creditor report a $0 account balance to the CRA's, then put a balance a year later?

    I checked my credit reports and one of my accounts had a $0 balance, then I checked it about a year later and it has a balance.? I disputed it with the CRA's and the results were, the creditor stated that the balance is correct. Can a creditor do ...

    Brent’s Answer

    If the balance has changed, creditors can report it, so long as their reporting is accurate. In this case, it is probably correct for them to report a balance owed if the other borrower went bankrupt on the debt. If the balance has been paid, you should contact a credit law attorney.

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  • If disputing an account on my Credit report for inaccuracies I need to explain why and provide proof ?

    If disputing an account on my credit report for inaccuracies I need to explain why plus provide proof what about If I just dispute it because is not belongs to me can I just said that because I do not have proof? please If attorney experts in c...

    Brent’s Answer

    You should explain the reason for your dispute, and providing proof is certainly helpful if proof is available.

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  • Fixing credit can workers comp can appear in your credit report or is illegal?

    my question is can a workers comp case can appear in your Credit report or is not legal please if credit attorney expert can give advise?

    Brent’s Answer

    Debts, judgments and bankruptcies generally appear on one’s credit report. I would not worry about anything from workers comp appearing on your credit unless you owe a judgment to your employer or their insurer.

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  • I got my report from annual credit report If I dispute for inaccuracies to the CB How long I need to wait?

    I got my credit report from annual credit report If I send a dispute to CB how log I need to wait 30 calendar days or 45 calendar days ? please If credit attorneys experts can give an advice?

    Brent’s Answer

    The credit reporting agencies have 45 days to complete a reasonable investigation and send you their results.

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  • My father and I have the same name not social though, I have been turned down credit because of a debt in bankruptcy my dad has

    I am trying to finish my last year of college but Experian has this on my credit they said they would correct this but I want to sue them for damages that have already happened because of it, they admitted the mistake, please advise!

    Brent’s Answer

    Contact a credit law attorney immediately. Many of us offer no cost legal services.

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  • Can the Housing Authority garnish my social security check for a debt owed, can they force me to pay more than I can afford?

    I got a bill for damages to an apartment I moved out of. My sole income is social security disability. If I request an affordable payment plan, can they still force me to pay more than I can afford? And if I really cannot afford what they want ...

    Brent’s Answer

    Social Security is exempt from garnishment by creditors. If you filed a Chapter 7 four years ago, you may be entitled to receive a discharge in a Chapter 13 case, under which you may only need to repay a portion of your debt.

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  • Is a debt with a scam company legitimate?

    I was recently intimidated into agreeing to pay a company for help with reducing my credit card interest rates. I shortly realized that I was being scammed after researching the company on the internet. I changed my bank account information before...

    Brent’s Answer

    If you executed a valid contract then the debt is technically "legitimate.” Note that if they were not doing what they promised, then the contract itself is probably void. Mr. Burr makes an excellent point about checking with the PA attorney general or FTC to see if others have filed complaints against the company. I would actually start there. Also, make sure to dispute the debt with the collection agency and with the credit bureaus (if it is being reported on your credit).

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  • When fixing my credit promotional inquiries in my credit report are soft inquiries or hard inquiries Can they hurt my credit

    I want to know about promotional inquiries or inquiries that do not display to companies can they hurt my credit like getting hire or applying for credit or getting a loan. please If an attorneys experts in credit can gave me an advice. thank you

    Brent’s Answer

    Promotional inquiries are "soft inquiries." They do not impact your credit score at all.

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  • Is it against the law for a car dealership to repeatedly run my credit a month later & we no longer want a car from them?

    My husband and I were shopping around for a car and this dealership ran our credit. We did not like the terms that were offered so we went to another dealership and purchased a car. A month later we look at our credit report and this dealership is...

    Brent’s Answer

    This is a violation of the Fair Credit Reporting Act. Contact a consumer protection attorney.

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