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Alvin Albert’s Answers

107 total


  • Hospital bills trned over to an attorney. Can they turn down an amount you can pay.

    I never paid on them but thought the paper work i did at the hospital took care of them. the attorney office refuse the amount i offered. said i had till monday to tell a new amount. please help if you can. thanks

    Alvin’s Answer

    Yes, they have the right to refuse your offer. Your question is a bit confusing. Either you made or arranged for payment - or you didn't. You may want to confirm with your insurance if you think the bill is a mistake. Otherwise, you will have to make an arrangment that both sides can live with. If the bill is large, you may want to consult an attorney.

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  • I have a first mortgage. currently three months behind. bank will not move payments. offerring suspension.

    I will not be able to make up the payments in that time. forclosure will start over again.. should I seek a deed in lieu of forclosure.

    Alvin’s Answer

    Not sure what you mean by "move payments", but you may be a candidate for other solutions including loan modification or bankruptcy. You should consult an attorney, like us, who deals with foreclosure defense. You can seek/request a deek-in-lieu, but it is not guaranteed and will not stop the foreclosure process once it begins. Best Wishes.

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  • What do i do if a person owes me money for a pet they bought but will not pay

    the pet's adoption fee was $150. she wanted to pay $50 a week until it was paid. she paid two weeks. then she didn't pay the last $50 because the puppy died and she figured she didn't have to pay. the puppy died because she didnt take care of it p...

    Alvin’s Answer

    How much is your time worth? To sue her you will have to fill out the forms, pay the filing fee, and show up for court. It may be wiser to let it go and learn from the experience.

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  • If you are sued by your HOA for past due fees and then the house is foreclosed, are you still responsible for the fees?

    Are the legal fees and dues won in the lawsuit still due after the home has already been foreclosed on? If so, can these dues and legal fees be included in a bankruptcy?

    Alvin’s Answer

    The short answer is yes. In Georgia the HOA fees can be a personal liability. The debt would need to be included in any bankruptcy filing.

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  • Need advice on how to handle collection agency.

    I called a collection agency about an old debt that I wanted to pay. I was offered a settlement spread out in 2 payments. I asked them to send me a letter of agreement and then I woUld send the first payment. They told me they couldn't send me a s...

    Alvin’s Answer

    This may be a case of miscommunication. They CAN send you a letter spelling out the terms of the settlement. It is done everyday if they are a legitimate operation. They will NOT, however, send you a letter stating that the account is settled (because it isn't until you pay). You are right not to give them your account number. It would take them five (5) minutes to generate the letter. Stick to your guns.

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  • I pulled my credit report and found 2 judgements but I was never served a summons. What should I do to have these removed?

    What course of action should I take to have these judgements removed from credit report?

    Alvin’s Answer

    Your focus should be on the judgments first - then your credit report. A valid judgment can be used for garnishments or liens, so it should be addressed. Getting them "removed" from your report does not eliminate the judgment. If they are large judgments, it is more than worth it to hire an attorney to review.

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  • Will my Ex husbands Bankruptcy affect the back child support & medical bills he owes me?

    My ex husband filed Bankruptcy & listed me as a creditor, he owes me thousands in back support & medical bill reimbursements. Will his bankruptcy affect the amount he owes me in back child support & medical bills? Thanks Kay

    Alvin’s Answer

    You should consult with an attorney concerning the medical bill reimbursments. Child support is non-dischargeable in a Chapter 7, but a bankruptcy attorney could give you the full picture concerning your rights.

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  • Is it safe to pay a collection agency over the phone via debit from checking account?

    I contacted a collection agency (MEdical Data Systems) today about settling a debt. I was offered a settlement but was told that the only funds they accept (whether it be a settlement or payment plan) would be auto draft from my checking account o...

    Alvin’s Answer

    You are absolutely correct. If they want the funds, they will take a cashier's check, wire transfer (Western Union) or money order. Get the settlement agreement in writing and send the funds with some form of proof of receipt. I have never heard of it called "pay for delete", but if they hold the account, then they can change the reporting. Tell them to take it or leave it. Be firm. Best Wishes.

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  • In Georgia if a judgement has been granted against you do you have to be served with a notice of garnishment before it is done .

    judgement obtained 10/07 from one county and garnishment obtained 6/10 in another with no notice of intending garnishment.

    Alvin’s Answer

    You are notified that the garnishment is taking place/requested. An advanced notice, especially for bank accounts, would defeat the purpose (everyone would just remove their money).

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  • Can I be denied my rights as a household member?

    I been living in my house for 3 years and have 2 roommates. We are getting ready to move and they don't want to let me sign the lease. Now they're saying I need to find somewhere to go. Can they just put me out or not let me sign the lease?

    Alvin’s Answer

    Yes, they can. They are not putting you out, they are just refusing to move to a new place with you. They have the right to move in together - without you. You cannot force them to take you along to the new apartment. This is a relationship issue - not a legal issue. They do not want you as their roommate anymore and there is no law that forces them to do otherwise.

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