John Griffin Watts’s Answers

John Griffin Watts

Birmingham Foreclosure Attorney.

Contributor Level 14
  1. What does it means transferred to recovery<claim filed with the government> estimated month and year this item will be removed

    Answered 3 months ago.

    1. John Griffin Watts
    2. Shaye Larkin
    3. Daniel Tam
    3 lawyer answers

    This sounds like a student loan or other type of government related benefit -- maybe a govt backed mortgage loan. So the company has written the loan off (it is still owed) and has gone to the government asking for reimbursement. Normally negative info stays on your credit reports for 7 years so the credit reporting agency is giving you an idea of when they think the negative info will drop off. If you think the information reported is inaccurate, you need to take certain steps to...

    1 lawyer agreed with this answer

  2. What legally/financially am I responsible for with my 19 and 22 year old stepchildren regarding medical bills on my insurance?

    Answered about 1 year ago.

    1. John Griffin Watts
    2. Lois R Beasley-Carlisle
    3. Ryan Michael Davidson
    3 lawyer answers

    Everything depends on exactly what documents were signed but as a general rule just because someone is on your policy does not mean you are responsible for the deductibles, co-pays, etc. As the previous answer suggests, gather up all of your bills and information and then sit down with someone -- an attorney or a health care advocate. You may want to make it clear to your adult step children that they should not list you as being responsible for their bills unless you agree to this. I...

    1 lawyer agreed with this answer

  3. Is it possible to do a chapter 7 when your laywer only corresponds with me through the mail?

    Answered over 1 year ago.

    1. Brent William Davis
    2. John Griffin Watts
    3. Lawrence S. Rubin
    4. Adam Brooks Arnold
    5. Dorothy G Bunce
    5 lawyer answers

    The other answers nail the issue -- you should be able to meet with your lawyer. Sometimes as lawyers we may not make our clients come see us if they live far away or have medical or other issues that prevent them from coming to see us. But as a general rule I want to meet my clients. I want to see them face to face. My suggestion is write your lawyer -- explain your concerns -- and ask her to meet with you to solve the problem. A good lawyer will do this and often times there is...

    1 lawyer agreed with this answer

  4. I have supposed lawyer firm/collection agency calling saying I owe a payday loan. They have all my information.

    Answered over 1 year ago.

    1. John Crad Hubbard
    2. John Griffin Watts
    3. Randy William Ferguson
    3 lawyer answers

    This is a growing problem. About half of the calls to my firm relate to scam debt collectors. Here's the very simple solution: Tell them you know there are a lot of scams out there and you want something mailed to you. Not emailed -- they will say they only email. Not faxed -- they will say they will only fax you. You tell them you want a good old fashioned letter sent through the United States Postal System with a stamp on it. This freaks them out (the reasons aren't important)...

    1 lawyer agreed with this answer

  5. I took Trazazadone and developed prieaprism,this condition led to my requiring surgery which now left me impotent.a case here?

    Answered almost 3 years ago.

    1. John Griffin Watts
    2. Daniel Paul Buttafuoco
    3. Christian K. Lassen II
    4. James J D Campbell
    4 lawyer answers

    The basic rule for when we are looking at a case against doctors and/or manufacturers is whether they were negligent. Negligence (malpractice) means not using the proper level of care but deciding to do things that endanger you needlessly. Negligence can be because the product was inherently defective. It could be because you were not warned of the dangers. Drugs normally have a certain percentage of individuals that will have a bad reaction. This does not necessarily make the drug...

    1 lawyer agreed with this answer

  6. Car accident in Alabama

    Answered almost 3 years ago.

    1. John Griffin Watts
    2. Christian K. Lassen II
    3. Daniel Paul Buttafuoco
    4. Terrence Marc Rubino
    4 lawyer answers

    Right now you need to get more information. Here are some things you might want to find out: Was there a lawsuit against you? (Do you remember being served with a suit? Does collection agency claim you were sued?) Why is the insurance company/collection agency saying you owe money? (Best way to find out is to simply ask them.) When you get the answers to those questions, I think you'll better be able to understand which direction to go. I would also suggest you get with an...

    1 lawyer agreed with this answer

  7. Who is legally liable for the damages done to my car? Since the insurance denied my claim,what avenues or steps i need to take

    Answered over 4 years ago.

    1. Jon Ethan Lewis
    2. John Griffin Watts
    3. Joseph A Blaszkow
    4 lawyer answers

    This is not unusual. The dealership or employer or whoever owns the car will say the car was being driving without permission which normally means there is no insurance coverage. If someone steals your car, you are not responsible. But it would be interesting to know if the dealership has filed a police report for theft. When we sue these companies and they bring out the "no permission" argument, we ask them when and how they assisted the police in prosecuting this felon. They start to...

    1 lawyer agreed with this answer

  8. Debt collecton agencies and FDCPA rules

    Answered over 4 years ago.

    1. John Griffin Watts
    2. Mark Hankins
    2 lawyer answers

    Unfortunately the FDCPA does not apply to business debts even if they are bought by a debt buyer. But, Alabama state law does apply to even business debts and we often look to the FDCPA to get an understanding of what would be reasonable for a debt collector to do or not do. Under the FDCPA calling you "at all hours" is harassment. Calling too often can be harassment. Making threats can be harassment. If you tell them to cease communication with you then they should honor that....

    2 people marked this answer as helpful

  9. How long can a collection company attempt to collect a debt?

    Answered over 4 years ago.

    1. William C. Devine II
    2. John Griffin Watts
    3. Jason Austin Joseph Lundberg
    4. Mark Hankins
    4 lawyer answers

    As others have mentioned, if it is that old you cannot be sued. You cannot be threatened to be sued. They cannot put this on your credit report or threaten to put it on your credit report. If they do any of these things, that is a violation of the Fair Debt Collection Practices Act. You can get damages and your attorney fees paid. You can also send a "cease and desist" letter (do it certified, return receipt requested) telling the agency to never contact you again. If they continue to...

    1 lawyer agreed with this answer

    3 people marked this answer as helpful

  10. If placed in a nursing home, does this cancel lifetime estate rights to my home?

    Answered 10 months ago.

    1. A. Wilson Webb
    2. John Crad Hubbard
    3. Clarence Blake West
    4. John Griffin Watts
    5. David L. Carrier
    5 lawyer answers

    As Wilson mentioned there are different issues involved here. If you go in a nursing home, you either need to pay for it privately (your own money, long term care insurance), pay for it with VA Pension (Aid and Attendance) or Alabama Medicaid. If you qualify for Alabama Medicaid you do not have to sell your home if you own it outright or have a life estate in it. Medicaid does NOT require you to lose your home -- it simply has the right to put a lien on your home that you own under some...

    1 person marked this answer as helpful

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