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Robinson Sean Rowe
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Robinson Rowe’s Answers

94 total


  • Do i need a consumer law lawyer?

    i am recieving phone calls about a payday loan i paid off.. but they have a person in iowa calling me telling me i have not paid them and i owe money and they are going to take legal actions against me for " depository fraud" and "check fraud" ple...

    Robinson’s Answer

    You are most likely protected by your bankruptcy for any debt (not even counting that you've paid this debt off).

    The debt collector is violating every aspect of consumer debt protection law. You should contact an attorney asap to exercise your rights. You have a great case against them. Recently, the FTC fined a company called Expert Global Solutions in the amount of $3.2 Million for similar behavior. Not saying that's what you'll get, but just as an example of the penalties that exist for this conduct.

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  • Affidavit Judgment - Possible Garnishment

    I was out of work for 14 months without pay due to depression. I am now back at work and two creditors have received an affidavit judgment for two personal loans. One for $3000 and the other for $6000. Is there anything that I can do to work o...

    Robinson’s Answer

    You should have filed for bankruptcy while you were unemployed.

    That being said, you may still qualify for bankruptcy chapter 7 if you have dependents etc.

    $9k is a significant portion of your income. I would recommend discussing (with an attorney), debt negotiations or bankruptcy Chp. 13. These options will both allow you to maintain your necessary day-to-day living income, while dealing with your outstanding debts.

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  • Can I sue a credit card company from reporting false information on my credit report?

    I was a minor when a credit card was issued out to someone under my name and social but not my date of birth. I just recently called the collection agency and gave them copies of all of my information and they finally closed the account out. This ...

    Robinson’s Answer

    You should should contact an attorney that handles fdcpa matters. First, if collections abuse has not occurred, you will not have actions against collectors. Second, if you have been denied credit b/c of this bad rating, you have to make the proper filings with the credit reporting agencies to have this removed from your record. Only then, can you look toward viable legal action to have this corrected.

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  • Can i sue a doctor who is active duty for writing prescriptions in my name for my husband,

    My husband was having an affair with this woman, she wrote the prescriptions for him in my name, so he could fill them while he was home on leave. He is a contractor in afghanistan, she is still active duty, i want to know if i can sue her for wr...

    Robinson’s Answer

    You probably dont have any civil damages, but if you report it, she could lose her license and they both could get criminal charges for drug distribution and possession.

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  • If a law firm obtains a past due credit card debt and takes you to court are you legally liable for their own attorney fees?

    A law firm is taking me to court for a $500 credit card debt that they obtained from a debt collection company. I offered to pay them $300 now to not go to court but they refused. Am I legally liable to pay their Attorney fees when I can't even a...

    Robinson’s Answer

    generally, yes. you would be liable to a judge ordered award of attorney fees and court costs.

    how old is the debt? when did you make your last payment? have collection companies harassed you in the meantime?

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  • If a person desires, can they in repaying someone's probate credit debt, pay only original creditors and not any collectors?

    If I settle on my father's probate claims ( SOL run ) , would I have a problem paying or settling only with the original creditors ? Dad signed contract agreements with card lenders . Banks paid for any and all transactions at the cashiers co...

    Robinson’s Answer

    What is the underlying reason you are voluntarily seeking to pay an uncollectible debt?

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  • I am divorced and the court awarded me the house. My husband's name is on the deed and he refuses to remove it.

    I pay the loan ( his name is not on it). I have since moved to another state and is unable to pay the mortgage. I would prefer not to forclose, can I do a quit claim deed? or a short sale without my husband's signature, he will never remove his n...

    Robinson’s Answer

    You should hire an attorney to begin the steps of enforcing the judgment. If your husband is in total disregard for the order, your costs are likely to be awarded by the court.

    Are both of you on the mortgage note? That poses another issue of sale... and ultimately whether or not a court can order somebody to give up possession of an asset he is legally obligated to pay.

    Hire an attorney right away. This is a tangled mess, but a good lawyer will be able to get you through this and possibly save your credit from incurring too much damage.

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  • I moved to another state and have a management company looking after my property, to date he has not been able to rent it.

    I am unable to pay rent at my new place and a mortgage. If not rented soon I will have to forclose on my house. What is my obligation to the management company? Do I still have to pay him a full month's rent ( he did not find a renter)?

    Robinson’s Answer

    • Selected as best answer

    The answer is very specific to your contract - but a general management agreement only entitles one to payment upon delivery of renter. Look for foreclosure options as opposed to simply letting the property go. It may be easier on your credit.

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  • On probation for a misdeneanor theft and seperately have a civil judgement for unpaid credit card can they violate me for not pa

    Paying the credit card judgement

    Robinson’s Answer

    No, unless restitution was also made a part of your disposition on the criminal matter. If that is the case, you can be violated, and you will probably be dealing with central collections.

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  • Does a debt collector who sends you a certified letter have to let you know who it is from?

    What happens if you reject the letter? Does the Notice of Default start when you receive it from the date of the Notice?

    Robinson’s Answer

    No they do not. Debt Collectors can often be entities/people who purchase debt from the original lender for a discount and try to collect. Along those lines, all you need to know is the return address on that certified letter.

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