Steven Michael Fahlgren’s Answers

Steven Michael Fahlgren

Jacksonville Divorce / Separation Lawyer.

Contributor Level 11
  1. In Florida, Can Social Security Benefits Be Taken by Collection Agencies for Credit Card Debt?

    Answered about 2 months ago.

    1. Steven Michael Fahlgren
    2. Roy A. Praver
    3. Shaya Markovic
    3 lawyer answers

    20 CFR 404.970 SSR 79-4 Social Security benefits are exempt from execution, levy, attachment, garnishment, or other legal process, or from the operation of any bankruptcy or insolvency law. The exceptions are (1) for the collection of delinquent Federal taxes and certain delinquent child support payments; and (2) to enforce a child support or alimony obligation. Section 207 of the Social Security Act provides: "The right of any person to any future payment under this title shall not be...

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  2. Am I entitled to a buyback under Florida's lemon law?

    Answered 11 months ago.

    1. Steven Michael Fahlgren
    2. Aldo Bolliger
    2 lawyer answers

    I don't believe you qualify under Chapter 681 of the Florida Statutes (Florida's Lemon Law) but you may have a case under the federal Magnuson Moss Warranty Act depending on the type of warranty you purchased. I wish you the best in the future.

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  3. Do I have a case for sexual discrimination, or hostile work environment?

    Answered about 1 year ago.

    1. Steven Michael Fahlgren
    2. Arthur Thomas Schofield
    3. Dotie Joseph
    4. Kevin Rindler Madison
    4 lawyer answers

    Sexual harassment is a specific form of harassment based on one's gender. It consists of unwelcome sexual advances or offensive visual, verbal or physical conduct of a sexual nature. Examples of sexual harassment include when: submission to a rejection of sexual advances or requests for sexual favors is made an implicit or explicit condition of employment; submission to a rejection of sexual advances or requests for sexual favors is used as a basis for employment decisions affecting the...

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  4. When is a credit card debt time barred from collection in the state of Florida?

    Answered over 1 year ago.

    1. Steven Michael Fahlgren
    2. Sergio Cabanas
    3. Eric Jerome Gold
    3 lawyer answers

    You need to be careful. The statute of limitations varies from state to state. Some states have shorter statutes of limitations. Your credit card may be governed by the law of a state other than Florida. If so, the debt collector or creditor may be trying to collect a time-barred debt. I refer to them as "Zombie debts." For an article on other games that credit card companies play, go to http://fortheconsumer.com/article-credit-card-games.htm It would be best to look at the underlying...

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  5. Can I sue the county for defamation of character since I have been burdened by their inability to detect Identity theft?

    Answered over 1 year ago.

    1. Steven Michael Fahlgren
    2. Charles B. Upton II
    3. Clifford M. Miller
    4. Christian K. Lassen II
    5. Alan Smith
    6. ···
    6 lawyer answers

    If there is a prosecution, the Court has authority to issue orders to correct public records. See Section 817.568(9)(b), Fla. Stat. I would not take your case against the Sheriff on a contingency fee basis. You should review your credit reports ASAP. It would probably be a good idea to review your credit report prepared by Equifax, Trans Union and Experian. You can do so for free once a year by calling 877-322-8228. It is a lot simpler and quicker than jumping through all the hoops on the...

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  6. My car dealership unexpectedly closed, will I loose my car?

    Answered over 1 year ago.

    1. Bryan Andrew Lober
    2. Steven Michael Fahlgren
    3. Ronald Lee Burdge
    3 lawyer answers

    I agree with the prior answer. One thing I would add would be to send payments by certified mail so that you could prove that you were making them. Make and add to a detailed timeline now while it is fresh in your mind in case a problem arises later. Finally, http://www.naca.net is a great place to find someone good to handle your issue.

    4 lawyers agreed with this answer

  7. Is it against the law to obtain a credit report on another person

    Answered 11 months ago.

    1. Steven Michael Fahlgren
    2. Rochelle N Belnap
    3. Christine B. Adams
    4. Dwayne M Farnsworth
    4 lawyer answers

    It depends. See 15 USC Section 1681b (a) In general Subject to subsection (c) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other: (1) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. (2) In accordance with the written instructions of the consumer to whom it relates. (3) To a person which...

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  8. Do past credit card judgments attach to a mortgage on real property?

    Answered over 1 year ago.

    1. Steven Michael Fahlgren
    2. Anthony Francis Perrone
    3. Michael C. Wild
    3 lawyer answers

    Judgments do not attach to homestead property but because there has been no court determination that the property was, in fact, homestead, the title agent is uncomfortable providing title insurance until these debts are paid. There are ways for owners to designate property as homestead and you can quiet title against the credit card judgments but you have a practical problem that many people face when they seek title insurance.

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  9. What are consumer rights regarding identity theft?

    Answered almost 2 years ago.

    1. Steven Michael Fahlgren
    2. Scott Richard Kaufman
    2 lawyer answers

    If you have not already disputed properly, you should consider disputing with the credit bureaus who claim you owe a debt. You should be as detailed as possible. Hopefully, that will take care of the problem or at least help. Because you have advised that your case involves identity theft, you should obtain a police report and also complete the attached fraud affidavit. I strongly recommend that these documents be sent to the credit bureaus with your dispute. If the creditor or debt...

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  10. Hello! Help please, bought the used car 1/11/2013 and I want to give the car back to the dealer, what I have to do?

    Answered over 1 year ago.

    1. Steven Michael Fahlgren
    2. Patrick J Cremeens
    3. Natan Davoodi
    4. Ronald Lee Burdge
    5. Scott Richard Kaufman
    5 lawyer answers

    Many consumers ask if there is an automatic right to cancel a contract to purchase a car within three days. The general answer is there is no three day right to cancel the transaction but, as always, there are exceptions. I'll give you some general guidelines. Consumers can rescind a contract if it was induced by fraud and the parties can be returned to the status quo. Consumers can revoke acceptance of a car if he or she received non-conforming goods, e.g., the consumer buys a 6 cylinder...

    3 lawyers agreed with this answer

    1 person marked this answer as helpful

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