Unfortunately some nursing homes will make up bogus reasons to not accept Medicaid patients. I've never heard of this reason before.
As someone else suggested, look into a different nursing home.
The son may be concerned he will be personally liable -- he should not be so it may be best to sit down with an elder law attorney in Birmingham and with the son to have a frank discussion of what needs to happen.
Sounds like you are doing the right thing -- the honorable thing -- and I hope...
The only way a garnishment is allowed in Alabama is after a judgment has been entered against you.
Have you been sued? Did you get served? Did you lose the lawsuit?
Remember there is a difference in being threatened to be sued or to be garnished and actually being sued, losing, and then being garnished.
Get with a consumer protection lawyer or a bankruptcy lawyer. There are a number of lawyers in Jefferson County that can help you.
John G. Watts
The short answer is "Yes" it is legal to not report. There is no obligation to report to the credit reporting agencies.
It is unusual but some local banks still don't report.
You are doing the right thing by talking to them - I would continue to ask them to please report this account (assuming you are current) and in the meantime the payment history might be helpful. The credit reporting agencies don't have to do anything with the payment history you send but it won't hurt.
If this is a collection agency then it normally is illegal to tell your relatives (a "third party") that you allegedly wrote a bad check. All the collection agency can do is ask for your "location information" which is:
1. Your home address;
2. Your home phone; and
3. Your place of employment.
I doubt this is the court or the police.
If it is a collection agency then normally you will have protection under the Fair Debt Collection Practices Act (FDCPA) which is a...
The advice in the other answers is very good.
Do be careful of local hospitals here (in Birmingham, Alabama) that will send you to collections fairly quickly. AmSher is one collection agency that is very aggressive. I have sued them frequently for illegal voicemails.
They often use "auto dialers" or computer dialers to call and if you did not give your cell phone number to the hospital, then these calls are illegal and you may be entitled to $500 or $1500 per call. If you did give your...
Rent to own stores are somewhat notorious here for violating the law. Whether it is contacting "references" illegally or what you have described, you need to be very careful in dealing with rent to own stores.
If the charge was made without your permission, then this is a serious problem.
Ask the store why they did this. Get them to tell you in writing.
Dispute the charge on your credit card bill -- you'll need the "dispute address" to do a written Fair Credit Billing Act (FCBA)...
The previous answers are good -- I'll just add a few points for you to consider.
As Ron pointed out, always check your credit reports. If there is false information reporting, this can give you tremendous leverage if the bank won't fix your credit reports. The banks don't like being sued under the Fair Credit Reporting Act (FCRA).
As far as the foreclosure not happening, this does happen sometimes. If you want to keep the house -- not sure from your question how you feel now -- then a...
Your references will not be sued unless they cosign on the loan.
If you are dealing with a pay day loan or title loan, these places will often violate the law by harassing your references and threatening them.
If this is happening, get with a consumer rights lawyer here in Alabama to find out your options.
The statute of limitations is a complicated subject in credit card cases because it may be Alabama law that applies or it may be the law of whatever state is mentioned in the credit card agreement.
If it is Alabama law, the collection lawyers say 6 years and I say 3 years.
The more important issue is Portfolio Recovery is a notorious debt buyer -- we sue them regularly in Alabama and just recently received a judgment against them.
If they sue you they have to prove they own the debt --...
The key to credit reports is they must be accurate.
So if your landlord says you owe $3,000 and the judgment against you is only $2,000, and you paid it, then your credit report should show this on the account or what is called the "tradeline."
I'm a little unclear how it is reporting now. If you paid it in full, then it should show this. If you settled for less than the full balance, then it can show that.
Sounds like it is not reporting correctly.
The best way to fix this is to...