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Robinson Sean Rowe
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Robinson Rowe’s Answers

94 total


  • I was sued for credit card debt in one state, but live in a different state. I am a victim of credit card fraud. How to proceed?

    I have been a victim of credit card fraud. I filed a police report and contacted American Express. My ex-husband opened the card in my name, made himself an authorized user, overcharged the card and stopped paying. I requested AmEx to send me an a...

    Robinson’s Answer

    They have to sue you where you live, or where you signed the contract. You may have a good FDCPA case against the debt collection company.

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  • Is internet payday loans legal in the state of maryland. i heard i do not have to pay them back is this true?

    i took out a pay day loan a few weeks ago with netpdl. they loaned me 200 dollars with a 55 dollar interest. check my account the next day and there was an extra 300 dollars in my account from two different lenders hydra iii and mass street group....

    Robinson’s Answer

    Even though payday loans are suspect in maryland, that doesn't get you around the issue of "unjust enrichment". Just because the loan itself was illegal, you still don't get a windfall. Contact an attorney, and they will be able to work this out for you.

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  • My daughter in law was the treasurer of a youth sports organization in Maryland and embezzeled $10,300 over the past 8 months.

    she tried to avoid prosecution by saying her visiting 10year old daughter (who lives with her mother) stole the teams credit card and went on a spending spree. after that didnt fly she just went silent on everything and thought it would go away w...

    Robinson’s Answer

    Embezzlement, Fraud, Theft, Bad Check etc. The primary issue here is the breach of trust, also, depending on the organization, you don't want a bunch of kids coming to court saying how they couldn't travel, have awards, parties, etc. b/c of your daughter.

    Don't mess around with this. You need a good lawyer asap to "jump on the grenade" so to speak and minimize the damage (and possibly protect your daughter's case for technical loopholes).

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  • Am I responsible for balance after sale of home?

    I am divorced, but live in marital home. I am on deed, but not mortgage. My ex wants to sell house, but it is upside down. If I'm not on mortgage, but on deed, and have not signed a promissory note, am I legally responsible for amount due afte...

    Robinson’s Answer

    No. You're in a good position. Depending on your divorce terms/agreement, you may want to consider just living in the house (rent-free) until it forecloses. Why sell it? Just pay for the utilities that you like (such as water, power etc). Foreclosure will take several months, if not 1-3 years.

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  • How can I initiate the process of asking my lender to validate the debt against my home?

    My house was on the market for sale due to a recent job loss. After 4 months of not being able to pay the mortgage I was able to make a payment plan with the lender. One payment was only 3 days late in which I received a letter stating that the ...

    Robinson’s Answer

    Send a qualified written request (QWR), you also have many options these days. You can easily find a boilerplate QWR online.

    Good luck!

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  • Is there a way to convince a collection agency to delete a settled/paid medical account off credit bureau's.

    I have many medical issues which is why so many med bills (heart diffib, copd , on oxygen etc) only 50 yrs old & want to purchase my own home (on my bucket list) Have pd off all medical bills except one which i am negotiating on with collection a...

    Robinson’s Answer

    Are you saying you have a debt that is 7 years old? What has the collections agency said? have you sent letters to the credit bureau?

    Contact me office next week - free consultation. You may have a great case a/g the agencies.

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  • Can my new husband's income and assets be garnished/levy for a repossessed car I co signed for my ex that is in collections?

    I recently got married and moved to Maryland. While I was living in Florida I co signed for a car for my ex husband 5 years ago. He lost his job could not pay for the car and so the car was repossessed and auctioned. The credit company put on our ...

    Robinson’s Answer

    No. He has no privity with the debt or obligation.

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  • What happens after a ratification of sale is denied?

    The court ruled the ratification of sale is denied because there is was no affidavit of notice of filing to Occupants. (Md. Rule 14-209(c).

    Robinson’s Answer

    They have to start all over.

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  • What happens if the lender (Chase) can't produce documents that state I will be responsible for the deficiency in a short sale?

    I have a letter from chase that states they will release the lien for 5000, but then asked for another 2700 to settle the loan. Now they are trying to collect the debt. I called them today and they are unable to find any documentation that said ...

    Robinson’s Answer

    They very well may not be able to prove the debt, and won't be able to dispute your estoppel type defense.

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  • If a HOA puts a lein on my property for not paying dues can a court gforce me to pay the legal fees associated with the filing?

    Moved into my house in 97, which has a homeowners association. Paid dues until 05. Then paid nothing from 05-10. The HOA went dormant. Nobody was running it I'm guessing dues were NOT requested for those 6 years. In 2010 it's all of a sudden ...

    Robinson’s Answer

    yes, it would normally be part of the order of it happens.

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