John R. Cantrell Jr.’s Answers

Perhaps increasing the pressure on the company to treat you better would help, and might resolve it without much time or any expense on your part. You might consider filing a complaint with the Better Business Bureau where the company is located. In addition, you should file a complaint with the SC Dept of Consumer Affairs. The link to their website is below, and they have an online complaint form that you can easily fill out.

You can call the police and report them for disturbing the peace. This may or may not work depending on how much noise they are causing and how late at night they are causing it. I would suggest calling when it is particularly noisy so that the police can hear it for themselves. If the police think it is not so loud as to be disturbing the peace, then you may just have to look for another place to live. If you have a lease, that may complicate things, but if you are just renting month to...

It is not clear what certified mail notice has been served upon you. It sounds like you will be able to resolve the dispute in the small claims process, assuming the amount in dispute is no more than $7,500. If you have expenses related to his failure to return the car, then make sure to take proof of those expenses (such as your car rental receipts or perhaps a copy of your credit card statement used to rent the car) with you to the court hearing.

If you have a valid defense, then you should consider responding to the lawsuit in the thirty day period mentioned in the complaint. If you don't respond, or if they win the lawsuit against you, then there will be a judgment against you for ten years in SC. Even if you don't have a defense to the lawsuit, you can prevent that judgment from being entered against you by filing bankruptcy before the 30 days to answer expires. If you inherit property within 180 days after filing bankruptcy, then...

You should consult with a consumer protection attorney in your area, to see what can be done under both federal and state consumer protection laws. It sounds like this could be an unfair debt collection practice. It is odd that they didn't at least send you an initial bill. Check the NACA consumer protection attorney link below to find someone in your area that does collection defense.

You can also look for an experienced foreclosure defense attorney on the NACA website, which is linked below.

There is legislation being introduced in Congress this year to do something about this problem of getting rid of private student loans in bankruptcy. So, you should contact your representatives to let them know how you feel about this issue. However, there is another strategy that may be of help to you in this situation. Even if you can't get rid of the student loan, you can make payments on them through a Chapter 13, which can last for up to five years. After that five year bankruptcy is...

I don't think the contract applies to you individually, since you didn't sign the contract. On the other hand, you may have some kind of power of attorney or other legal document appointing you to act for your husband due to his medical condition. I don't think your husband could be arrested, since it doesn't appear that he has done anything with criminal intent. Threats of arrest in this situation by the creditor would be a violation of federal (and perhaps state) collection laws. However,...

First, I suggest consulting with a local bankruptcy attorney. If this debt can't be dealt with in bankruptcy, then perhaps that attorney would have other suggestions regarding how other persons in this situation have dealt with this problem. You can locate a local bankruptcy attorney using the link below. Most of them offer free initial consultations. Also, many medical creditors will not take action against you if you have some type of payment plan set up with them.

Pull a credit report and make sure that this is the only significant debt showing up on your credit. If not, then you should consider bankruptcy, since it will probably cost you less to deal with all of your debts in a bankruptcy than it would just to settle this one debt. On the other hand, if this is your only debt, bankruptcy doesn't really make sense. Normally, the collection attorney gets paid on a contingency fee based on how much the attorney collects. Therefore, if the creditor gets...