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Daniel Dwight Bowen

Daniel Bowen’s Answers

547 total


  • Wife sells used car. Buyer (by error) gets the tag, too. Then, never transferred Title!

    Over the next six months, she has received several notices of unpaid parking tickets, notice of "suspended registration" for no insurance, and he has been arrested for expired tag. Now, he has the very same tag with a false "expiration date" on it...

    Daniel’s Answer

    You need to consult an attorney. There are too many issues to give good advice without all the specifics.

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  • Can a merchant give out your credit card info without your permission

    I rented movies from hasting and they asked if I wanted a free magazine. I agreed and now the magazine is charging my credit card for a subscription I didn't agree to.

    Daniel’s Answer

    You can dispute the charge to your credit card if you do so in writing within 60 days of getting the bill. There is an addess on your cc statement that gives the address to which a dispute should be sent. Keep a copy of the letter and send it certified mail. If cc does not remove charge, find a consumer lawyer at naca.net.

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  • My exwife ran up credit card debt while we were married and my bank has frozen my checking account. I also own government savin

    My exwife ran up credit card debt while we were married and my bank has frozen my checking account. I also own government savings bonds, the I bond type. Can a bank freeze my government savings bonds?

    Daniel’s Answer

    Did you and your wife divorce? If so, you should have included who was liable what credit card debt in the divorce agreement. It sounds like you and your wife may have been sued and a judgment obtained. Now you are being garnished. If so, you may have not been correctly served with the suit papers. Find out where the suit was filed and get the court papers. Go see an attorney.

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  • How do I file a statement referring to foreclosure on condo with association wanting to put lien on condo due to unpaid fees?

    I had a condo in my name and my ex-fiance for many years and he rented it out. I stayed on the mortgage but was contacted by the original mortgage holder to quick claim deed the condo to her. I did so through her attorney, with no idea that ther...

    Daniel’s Answer

    You need to consult an attorney. At most you would be liable for condo fees up to the time you quit claimed the property to your ex-fiance.

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  • Are you required to show proof of income in court for credit card debit

    Suppose a credit card company (Discover for example) sues you and take you to court for not paying your credit card debt. When you filled their credit card application, you said you make 50,500 a year which, at this moment, their is no way you can...

    Daniel’s Answer

    • Selected as best answer

    I have never seen this issue come up in a suit to recover a credit card balance. The issue might come up if you filed bankruptcy. You should consult with an attorney. Discover card may have language in their agreement that you can use to your benefit.

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  • A debt lawsuit was filed against me two weeks ago, however, I have not received a summons. Should I just wait for it?

    I found out from a lawyer offering his services. If a summons is not served and the next thing I receive is notice of a judgment or freezing of a bank account, what should I do?

    Daniel’s Answer

    You should consult with an attorney. Get a copy of the law suit by sending a friend to the court. If you go yourself, the clerk may give you a copy of the suit papers and then enter that you were served.

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  • Money Paid back to Credit Line

    May be this question should be asked to Accountant, but I'd appreciate legal advise. Will the money I pay beck to the credit line have to show on my income? If someone just gives me the check I deposit it into the credit line account to pay off th...

    Daniel’s Answer

    Geneally speaking a payment to a credit line is not income to you (it is income to the bank). Depending on the amount it may trigger a report by the bank. I do not understand why you have entered credit card fraud as a label. If this is an issue a face to face meeting with an attorney is in order to get advice.

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  • Can an automobile worth less than $10,000 be confiscated by a divorce / bankruptcy court if it is my sole asset?

    I am in the midst of a continuing, drawn out divorce proceeding as well as filing for bankruptcy. My ex-wife has a 'dissolution' that has me in 'contempt', even though I have never signed or agreed to anything but an unrealistic 'pre-agreement'. I...

    Daniel’s Answer

    You need legal advice from a CT attorney specializing in divorce. Do not delay.

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  • What is my next step if my credit card company is refusing to re-open my account?

    My credit card company recently closed my account because they said thad my bank put a stop payment on two recent payments. I called my bank and had them to a query on the trace numbers that my credit card company gave me and there was no history...

    Daniel’s Answer

    The Fair Credit Billing Act gives you rights. 15 U.S.C. Sec. 1666(b)(3) says that a failure to properly credit a payment is a "billing error" which may be disputed. You have to make a WRITTEN dispute which is received by the bank within 60 days of it SENDING you the statement. What has to be in your dispute notice is techincal. see Sec. 1666(a). The facts you state are unclear. Did you send a payment which was not credited or are the alleged stop payments phantoms. What does the credit card statement say? While the other attorney's are correct up to a point, the Billing Act and the Equal Credit Oppportunity act do not allow the Card Co. to close your account for an inaccurate reason. It is probably worth fighting if the sequence of events results in a negative item on your credit report. Keep a copy of all correspondence and send with poof of delivery.

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  • 12 year old federal student loan wage garnishment without notice

    I just received notice today from my employer stating that my wages would be garnished starting next Friday for a 12 year old student loan. The original loan was for $3200. Over the last 12 years there were periods of time that I made payments an...

    Daniel’s Answer

    The course of action you should follow depends on your overall circumstances. If you have are able to you might want to consider negotiating a reduced amount and borrowing money to pay it off. Once a student loan goes into "default" status interest is charged at a higher rate. If a loan analysis is done you very well could owe the amount claimed. You also could ask for a hearing which may be a formality if the math has been done correctly. You also may have the option of filing a chapter 13 which will not "discharge" the debt but may reduce the amount you have to pay each month. I would suggest consulting with an attorney as a starting point in deciding the best course of action.

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