Steven Michael Fahlgren’s Answers

Steven Michael Fahlgren

Jacksonville Divorce / Separation Lawyer.

Contributor Level 11
  1. Can my apartment management company file against my credit report without a judgment?

    Answered 10 months ago.

    1. Steven Michael Fahlgren
    2. Jeffrey B. Lampert
    3. Dorothy G Bunce
    3 lawyer answers

    Although most entries on credit reports do not relate to judgments, if you dispute the item and direct the credit bureau to report it as disputed, there are some experts who say that many of the credit scores do not take disputed tradelines into account when determining a credit score. By the way, judgments can be reported by the credit bureaus themselves even without the creditor making such a request. However, those are usually reported under the public records aspect of a credit report. I...

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  2. OBTAINING A CREDIT REPORT

    Answered about 1 year ago.

    1. Steven Michael Fahlgren
    2. Eugene P. Castagliuolo
    3. Dorothy G Bunce
    3 lawyer answers

    There are hundreds of credit scores. The most well known is Fair Isaac but there are many others. There are two different types of inquiries. Account review inquiries are called soft pulls in the industry and they are not usually factored into a score. These inquiries are by the consumer or someone who already has a credit relationship, e.g., your bank that you opened your credit card account. Hard pulls, on the other hand, are inquiries by prospective creditors. These count but there are...

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  3. Is there ever an exception to recording an in-person conversation in Florida?

    Answered over 1 year ago.

    1. Steven Michael Fahlgren
    2. Barry A. Stein
    2 lawyer answers

    Although the audio recording may not be legal (See Section 934.03, Fla. Stat.), some courts have allowed its use. I have an Order from a federal case styled Peter Molodecki, Sr. v. Robertson Display, Inc., 2008-CV-2469-T-17F (Middle District of Florida) that refused to strike an affidavit on the grounds that it was obtained in violation of Section 934.03. If you send me an email, I will share it with you. Of course, there is no guarantee that the judge who signed the Order has not changed...

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  4. What is the fastest way to build my credit scores?

    Answered about 1 month ago.

    1. Bennett Gregory Hartz
    2. Michael Christopher Burr
    3. Daniel Tam
    4. Steven Michael Fahlgren
    5. Blake Owen Brewer
    5 lawyer answers

    Great comments. I once hired Evan Hendricks as an expert witness. He wrote a fine book on credit scores and you can look him up online. He probably has some tips and publishes a privacy newsletter. I think his website is still www.privacytimes.com . I wish you the best in the future.

    2 lawyers agreed with this answer

  5. False derogatory reporting by bank that held my heloc continues. How to stop and entitled to damages?

    Answered about 2 months ago.

    1. Daniel Tam
    2. Steven Michael Fahlgren
    3. Blake Owen Brewer
    3 lawyer answers

    Your problem may have been caused when credit reporting agencies refuse to remove objectively inaccurate information from your credit report after being given a reasonable opportunity to reinvestigate the matter and correct it. I have experience in Fair Credit Reporting Act litigation. In fact, I have had a successful jury trial against Equifax http://fortheconsumer.com/in-the-news.htm I have also lectured to other attorneys regarding the Fair Credit Reporting Act. There are certain things...

    2 lawyers agreed with this answer

  6. If we buy a car from a dealership and we don't like it because there some problem in it, how many days do we have to return it?

    Answered 5 months ago.

    1. W. Patrick Westerfield
    2. Taras S. Rudnitsky
    3. Steven Michael Fahlgren
    3 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...

    2 lawyers agreed with this answer

  7. I brought a truck and it broke down in two days, can i sue ?

    Answered 7 months ago.

    1. Steven Michael Fahlgren
    2. Christina Gill Roseman
    3. Scott Richard Kaufman
    4. Jonathan S Rudnick
    4 lawyer answers

    According to the information you have provided, you have a problem with a car dealer; specifically, you may have some type of warranty claim or you may have purchased a vehicle without proper disclosure or in a situation where the prior use, condition, history or type of vehicle was misrepresented. Fortunately, I have a lot of experience defending and suing car dealers. Prior to forming my own practice in 2002, I represented several car dealers. Since forming my own practice, I represent...

    2 lawyers agreed with this answer

  8. Can I get my deposit back?

    Answered 7 months ago.

    1. Edward J. Fucillo
    2. Abigail Dawn Edelstein
    3. Steven Michael Fahlgren
    3 lawyer answers

    It is important to look to the language of the application. If it is a security deposit, the landlord probably still has to comply with the requirement to return a deposit promptly or give notice of intention to impose a claim. See http://www.floridabar.org/TFB/TFBResources.nsf/0/FBC8C2892E4601F185257737004BA44C/$FILE/FORM%2012.pdf?OpenElement I would not tip off the landlord on this issue. Also, a landlord has a duty to mitigate damages. If you determine the property was leased...

    2 lawyers agreed with this answer

  9. Car Rep'd today, Due to Communication Issues Between Me and Collections Agent.

    Answered 8 months ago.

    1. Steven Michael Fahlgren
    2. Robert Jason De Groot
    3. Michael Christopher Burr
    3 lawyer answers

    I would need to look at your documents purchasing the vehicle and especially the Notice of Sale that has or will be sent to you in order to better evaluate your potential matter. There are many issues relating to repossessions and many attorneys do not know all of the tricks of the trade. Get a good attorney to review your matter.

    2 lawyers agreed with this answer

  10. How do I get the mortgage servicing company to stop reporting incorrect information to the credit bureaus?

    Answered 9 months ago.

    1. Christine B. Adams
    2. Matthew Scott Berkus
    3. Steven Michael Fahlgren
    3 lawyer answers

    I can send you an instructional letter at no charge if you email me. If it works, great. If not, you may have a case that an attorney would take on a contingency fee basis. I wish you the best in the future.

    2 lawyers agreed with this answer

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