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Robinson Sean Rowe
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Robinson Rowe’s Answers

94 total


  • What can I do when the condominium association threatens foreclosure for a delinquent bill that isn't mine.?

    The dryer vent pipe belonging to the unit above mine leaked into my unit. The condominium association was called and their plumber fixed the leak. The repair bill was sent to me and when I called them to question this, they told me it was my resp...

    Robinson’s Answer

    It doesn't seem reasonable that one tenant would be responsible for everything... but the bylaws would have to be studied a little more.

    If they are lying to you to get your money, they have serious issues and you may have a countersuit.

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  • I co signed for a car loan with my husband and he defaulted can the company garnish my wages?

    The company is calling me and telling me that they are going to take me to court. They want me to make a settlement by using my retirement to pay off the amount.

    Robinson’s Answer

    Yes, you are just as liable as your husband. Who is calling you? The lender, or a collection company? Do not dwindle your retirement to pay this off as a first option.

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  • E.g., "Do I need a real estate attorney?"

    Include background information that will enable lawyers to answer your question.

    Robinson’s Answer

    If you have Real Estate issues pending - the answer would be "Yes".

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  • I will be filling for bankrutcy i have a car and car loan and will put them on the list of creditors can i keep my car

    i m currently on workmens comp but really need car to get around

    Robinson’s Answer

    Yes. Please make sure your lawyer verifies the numbers with you at the time of preparing your bankruptcy documents.

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  • If a court gives judgement against me for a credit card bill due and is unable to collect from me, can they go after my spouse.?

    It has been two years since the last payment. I am currently unemployed and have no income nor real estate. I opened the account for business purposes, business now closed.

    Robinson’s Answer

    If the lender gets a judgment against you, but cannot collect b/c you are "judgment proof", they cannot go after your spouse - as long as she had nothing to do with the debt.

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  • I am getting sued by midland funding llc and need help.they want 3799.00

    What should I do? I keep getting calls from the junk debt buyer Midland Funding LLC. I tried to call Midland Funding LLC but they gave me the number to their lawyer's office. I called their lawyer and tried to make a payment plan offer but they wa...

    Robinson’s Answer

    Midland Funding LLC is a junk debt buyer so they need proof of the debt. Do they have proof of the debt? What is the statue of limitations (last time you paid or promised to pay)? Have they made any other attempts to contact you?

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  • Statue of Limitations on a PayDay loan from 2003

    I recieved a harrassing phone call 9/18/12 from a person who said they were a "processor" for CCR Associates, and that they were filing legal papers today in court unless I contacted CCR with my case number and come to a settlement that day. I wa...

    Robinson’s Answer

    Generally, the Statute of Limitations is 3yrs, but there are nuances to that rule. Harassment is NEVER okay, and under the FDCPA, you are entitled to $. You really may have a great case against CCR. Please feel free to contact for a free consultation.

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  • The debt buyer suing me has a signed affidavit providing only an excel spreadsheet with account numbers. Is this proper records?

    I have been sued and am going to trial on Friday, it is my understanding an excel spreadsheet of a credit card statement or account numbers from the debt buyer is not proper records that an affiant can swear to. Don't they need more or better proo...

    Robinson’s Answer

    Evidence of debt (contract) and Sufficiency of proof (by affidavit) are legitimate issues - also look at the statute of limitations. Sometimes, they've violated other collection laws by harassing debtors etc. There are a lot of ways to litigate against debt purchasers.

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  • The debt buyer suing me has a signed affidavit providing only an excel spreadsheet with account numbers. Is this proper records?

    I have been sued and am going to trial on Friday, it is my understanding an excel spreadsheet of a credit card statement or account numbers from the debt buyer is not proper records that an affiant can swear to. Don't they need more or better proo...

    Robinson’s Answer

    You do have a great issue for litigation in Maryland. The bottom line is your answer rests in the types of affidavits and attachments relied upon, in addition to other documents that often accompany a debt buyer's purchase. Sorry, no solid answer for you, but you really do have a case where you need to consulte with an attorney.

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  • If a quit claim deed has been executed giving rights to another. Can grantor borrow against property without grantee's approval?

    Man owns real property tenants by entirety and has clear title/no mortgage. Man marries but doesn't add wife to deed. Man executes quit claim deed giving interest in property to children of previous marriage and leaving current wife a life estate....

    Robinson’s Answer

    If the QCD was filed in the land records, there is no way this man would've rec'd a loan - or placed any type of lien against the property.

    The owners should file a declaratory judgment to remove the lien from chain of title.

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