John Naif Ellem’s Answers

John Naif Ellem

Parkersburg Bankruptcy Attorney.

Contributor Level 4
  1. I have received a letter from a credit collector representing an original creditor I don't recognize. What is best thing to do ?

    Answered 12 months ago.

    1. Thomas J Callahan
    2. John Naif Ellem
    3. Todd Bradley Johnson
    4. Michael J Corbin
    4 lawyer answers

    I agree with Mr. Callahan's answer. You should not just ignore the letter. It is not uncommon for debts to be sold multiple times and debt buyers sometimes engage in collection efforts themselves and sometimes they hire other collection agencies. Your question on its face indicates you may have several defenses to this alleged debt. Moreover, West Virginia has some strong consumer protection laws in addition to some Federal laws that may apply. West Virginia's main set of consumer...

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  2. What if I'm on Social Security disability and I let my house go back, What will happen?

    Answered about 1 year ago.

    1. Stanley F. Denman
    2. John Naif Ellem
    3. Ingrid Arnalda Morfa
    3 lawyer answers

    Mr. Denman's advice to you is very good. Be proactive in seeking advice from a qualified lawyer in your area including one with experience in bankruptcy. Depending on your overall financial situation, bankruptcy may or may not be an option for you. For instance, if you have other debts that are causing you to divert money away from fixing up your house bankruptcy may help you with those while allowing you to keep your home. A good bankruptcy attorney will look at BOTH bankruptcy and non-...

    2 lawyers agreed with this answer

  3. Can a buy here pay here place say your car is stolen if you took it out of state and are late on the payments

    Answered over 4 years ago.

    1. John Naif Ellem
    1 lawyer answer

    Just the mere fact of being late on a loan payment, without something more, is almost never criminal conduct. However, more facts are needed. For instance is the car lot demanding return of the vehicle? Is the vehicle being purposefully kept out of State to avoid making payments and/or having it seized? Was some type of misrepresentation involved at the time of purchase or later on? These facts and others should be discussed in private with a lawyer competent in criminal matters as soon as...

    1 person marked this answer as helpful