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Robinson Sean Rowe
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Robinson Rowe’s Answers

94 total


  • How do I collect a debt from former employee?

    My firm accidentally paid a terminated employee money via direct deposit. She is not entitled to this money but she is refusing our phone calls, and we can't reverse the direct deposit. How do we collect this money?

    Robinson’s Answer

    This is likely a very easy small claims action . File the one page paper work, attach proof of payment along with your signed affidavit. The District Court has those documents online - see the below link:

    http://www.courts.state.md.us/district/forms/civil/dccv001f.pdf

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  • If an open-ended account becomes deliquent and the lender sells the debt, does the statute of limitaions start over?

    I live in MD and the SOL is 3 yrs for credit cards, the bank sold the debt, the new owner filed a lawsuit, just want to make sure the SOL starts from the time of the first missed payment. Haven't made any payments since.

    Robinson’s Answer

    No it does not. The SOL begins upon date of last payment, unless you have "tolled" or "restarted" that period by promising or extending payment. You may have an FDCPA claim against the collector as well as other defenses.

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  • How do I get my name off a mortgage after a divorce where my ex was granted use an possession of the home in the state of MD?

    My ex-husband has not paid the mortgage in over 3 years or the home equity loan. I am ready to buy my own home and the only thing blocking me is that my name is on the other 2 mortgages. My ex is not coopertive and will no be helpful in the proc...

    Robinson’s Answer

    You should look into a sale in lieu of partition. This is exactly what it is for. It may not be done in time for your to keep the mortgage lock you may have to purchase a home right now... but it will move things along for you to put this property behind you. When you do this, make sure your attorney can also handle the shortsale aspect of your transaction b/c that is going to be significant roadblock to a smooth sale.

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  • I am a licensed Real Estate agent in dc and md. I have an ein number for design/consult. Can I charge for profit or just a fee?

    I am a licensed Real Estate agent in dc, md and va. I have an ein number for a business for design and consulting. I have people who will be purchasung appliances through me most are non-clients some will be can I charge a price for profit or am...

    Robinson’s Answer

    You can charge anyway you want, but you have to keep the business entities separate. You should also consider a disclosure notice if you're going to perform design work for a real estate client or vice versa.

    This is extremely important b/c you don't want your employer to be sued for something you do as a side business. Also, you don't want your business sued b/c of some settlement squabble related to a purchase transaction.

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  • If I am the primary borrower on a mortgage, I have all legal access to my home and taxes unless there were a quit claim deed?

    I am the primary. I have a co signer. I moved because the house was to much financially. It is being rented. My co signer feels they have legal right to my tax refunds for the property because they are handling the tenants. I was asked to sig...

    Robinson’s Answer

    The fact that you did not sign a quit claim only affects your rights as to all other individuals. Your contract affects your rights against your co-signor. As an example, if somebody sues you for your interest in your property, they are not bound by your contract and they can seek to have your interests liquidated to their benefit. You (or your co-signor) cannot use that contract as a defense against others. However, between the two of you, your contract will be enforceable (arguably).

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  • My bank account has been levied twice. I now direct deposit my paycheck on a prepaid debit card. Can this be levied?

    I have judgments in excess of $30,000 but I don't want to file BK because I own a home and both of our cars are registered in my name. My paycheck is already being garnished by two lawyers. I am currently undergoing chemotherapy for colon cancer ...

    Robinson’s Answer

    Have you at least consulted with a BK attorney? I don't think you should look to it as a "last" resort. It seems like it would cure everything much more easily than what you are going through now. Very often, people are surprised at how easily a bankruptcy can be done and solve their problems.

    Good luck.

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  • Efect of debt that's past statute of limitations (time-barred from lawsuit) on Maryland bankruptcy?

    Does unsecured debt that's already beyond SOL have to be included in a bankruptcy (if yes, how far back, and if no, should it be included anyway - positives/negatives?

    Robinson’s Answer

    You should add it to the bankruptcy . There is no downside whatsoever.

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  • Quit claim deed

    Separated spouse is a quit claim deed necesary for sole owner property

    Robinson’s Answer

    absolutely. Otherwise the deed (official ownership of property as reflected in county Land Records) will show joint ownership.

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  • Is it necessary for a spouse who isn ot on the deedobtain a quit claim deed for te wife's property. The spouse lives separtely.

    My husband and I are not legally separated or divorced but live separately Is a quit claim deed to be filed for my property where I am the sole owner.

    Robinson’s Answer

    If you are the sole individual on the deed, there is no need for a quit claim deed (it only transfers interest in property).

    You main problem is that a spouse may be entitled to 50% of the property if it is a marital asset. Was this purchased/acquired during marriage? Were payments and maintenance costs paid from a joint account?

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  • I have a motion compelling me to answer interrogatories.

    I have thought about filing a chapter 7 to avoid this. I am an unemployed veteran and have about $100,000 in debt.

    Robinson’s Answer

    If you are unemployed, there is no question that you should consider a bankruptcy. In your case, you have to make sure the $100k is a dischargeable debt. Its a pretty easy question to answer, make sure to contact an attorney and get a free consultation instead of complicating things with this lawsuit. Good Luck!

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