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Jennifer M Spiegel Colson

Jennifer Colson’s Answers

43 total


  • GA:I need a N.Miami Lawyer,2 work with garnishment against wages & salary(not from IRS)no letter & took bank $ & minor acct

    0.00 in accounts cannot pay my rent,water,fpl and car. no letter received and took even church bus money because it has my name involved and minor account also. c#018239cc2302 need help asap. I can loose even my JOB

    Jennifer’s Answer

    There are ways to object to the garnishment such as if you are "head of household". An attorney will be able to help you file a motion to dissolve the garnishment if you fall under some of the exemptions of the garnishment rules.

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  • Should I take a "Law Firm's" call to collect a debt seriously?

    I was out of the office most of the day today, when I got back the receptionist said that "X & Y Lawfirm called and said they've been trying to serve me at my home address, but it keeps coming back to them, and to call them". I call them ...

    Jennifer’s Answer

    They need not have filed a lawsuit to start trying to collect on the debt. Debt Collectors must follow certain federal and state laws. If they violate these laws then you may be entitled to money damages. You should contact a consumer protection attorney, like myself, or find one through naca.net. If they do file a lawsuit against you, you also will most likely have defenses against that lawsuit.

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  • Collection Agency attempting to collect discharged debt - Chapter 7

    I rejected a residential lease as part of my Chapter 7 Bankruptcy. I now have a collection agency representing the residential complex trying to collect on damages for breaking the lease. The management had a deposit which they kept and used to...

    Jennifer’s Answer

    Find a consumer protection attorney, like myself at naca.net. You may have claims against the debt collector and may be entitled to money damages.

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  • What can I do to settle this debt and repair my credit?

    I had a revolving, unsecured line of credit with Household Finance Corp. For 8 years. I religiously made payments every month. In 2011 I became unable to continue the payments. The account had been transferred a few times and several collection ag...

    Jennifer’s Answer

    Wait for them to sue you. If they do and they are outside the statute of limitations then you may have federal claims against them. If you are getting letters and phone calls from debt collectors, save your messages, keep a call log and contact a consumer protection attorney in your area that can help you. You can find one at naca.net..

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  • I am the defendant in a lawsuit by a creditor...Do I need an attorney? Do I have to reply if another individual signed for paper

    A creditor is suing me for unpaid credit card debt in the amount of $5830.. I have two weeks to respond to the court. HOw do I respond to the court? The suit aslo stated that if a response is not filed I can lose my home and my wages and money cou...

    Jennifer’s Answer

    I strongly suggest you hire an experienced consumer protection attorney. You can find one at naca.net. Most times the debt collectors cannot prove your case and the case can get dismissed. Most importantly, do not ignore the lawsuit. If you do not hire an attorney you MUST file an answer to the lawsuit. You can deny everything in the lawsuit and make the debt collector prove their case.
    If debt collectors are calling and harassing you then you may have grounds under federal and state law to sue them. If they are calling you, keep a call log and save any messages they may leave. There are federal and state laws that will provide money damages to you if the debt collector is violating these laws.
    In the meantime, hire a lawyer or respond to the lawsuit.

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  • Small Claims Credit Card Lawsuit, not served a summons

    A credit card debt buyer has filed a small claims civil suit against me and has not served me their summons yet. Noticing on public court records and dockets, the case has already been scheduled for a pre-trial hearing in less than 2 weeks. What o...

    Jennifer’s Answer

    If you have not been served then the case cannot move forward. When your case is called at the pre-trial hearing the Court will note that you have not been served yet and the case will not move forward. As the other writer noted, if you have not been served and a judgment is entered against you then you will have a strong argument to vacate the judgment. If you are served between now and the pre-trial hearing date it is imperative that you attend the hearing or they will get a default judgment against you. I strongly suggest you hire a consume protection attorney, like myself, or you can find one on naca.net. There are many defenses against debt collector lawsuits that an experienced attorney can help you with.

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  • I have been sued by CACH LLC, a debt collectior. The debt collector attached affidavits and account statements to the complaint

    But the documents don't match. The Cach affidavit states they bought the debt from GE Money Bank, the banks affidavit states GE Capital Retail Bank sold the debt and the account statements are Citibank account statements. What the heck. I did h...

    Jennifer’s Answer

    CACH is a notorious debt buyer who sues consumers constantly and most times they cannot prove they own the debt. Unfortunately, most consumers do not know that they have rights and can defend against the debt collectors. You might also have claims against CACH for violating federal laws. An experienced consumer protection attorney can help defend against your case with CACH as well as advise you if you have claims against CACH which would entitle you to money damages. You can find an experienced consumer law attorney at naca.net. Myself as well as other NACA members are part of AVVO and respond to consumers questions. Good luck.

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  • Can or will pay day loan companies sue you or throw you in jail for not paying them back>

    I have a few different pay day loans in FL that due to unforseen circumstances have not been able to be paid back. I don't even remember a few of their names, but calls are starting to come in, even to my family, and they are making it sound like...

    Jennifer’s Answer

    Too add onto Mr. Castagliuolo's answer...NO you cannot go to jail simply because you owe a debt. Debtor's prison was abolished centuries ago. More importantly, from what you have written, these debt collection companies are violating Florida and Federal laws and you must seek advise from a professional consumer protection attorney who is affiliated with Naca (naca.net) as Mr. Castagliuolo advised. Both myself and Mr. Castagliuolo are consumer protection attorneys and members of NACA. My office is in Lighthouse Point (very close to you). Please call my office if you would want a free consultation.

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  • Phantom Debt Collectors posing as Federal agents.

    Continuous calls to my work line. Always the same message. The "if I do not hear from you or your attorney, then I wish you good luck as the legal situation unfolds badly on you". Thing is, when you call them back, they provide no information, and...

    Jennifer’s Answer

    If this is a debt collector...Wow...they have violated a plethora of federal statutes designed to protect consumers like yourself. I highly suggest you contact a consumer protection attorney in your area. You can find one at naca.net.

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  • I live in florida. what happens when a debt is turned into collections and a law firm is the collection agency .

    its for a credit card and it has been sent to a collection agency that is also a law firm but the debt is under $500

    Jennifer’s Answer

    Don't be too quick to settle. Even thought the debt collector is a law firm, if that law firm is in the business of collecting debts then it is a debt collector under the Fair Debt Collection Practices Act (as well as it's Florida Counterpart). The law firm is bound by the same rules and must conduct itself within the parameters of the law. As with all debt collectors, this debt collector must prove they own the debt as well as a plethora of other legal standards. I suggest you find a consumer protection attorney in your area at Naca.net.

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