Adam S. Alexander’s Answers

Adam S. Alexander

Southfield Foreclosure Attorney.

Contributor Level 12
  1. I have a sheriff's sale on my property TODAY! I want to SAVE my house! How to? THANKS!

    Answered 11 months ago.

    1. Adam S. Alexander
    2. Ellen K Lawson
    3. Aaron Scott Hill
    4. Colin M. Linsenman
    5. Cheryl Rivera Smith
    5 lawyer answers

    I suggest you consult with a lawyer experienced in fighting foreclosure. Immediately! If the sheriff's sale actually occurred, you really have an uphill battle. But you may still have some rights. You can find a good lawyer in your area at www.naca.net.

    4 lawyers agreed with this answer

  2. Should banks continue to report a charged-off HELOC on a foreclosed house in Michigan? How can I clear it from my credit?

    Answered over 1 year ago.

    1. Adam S. Alexander
    2. Alivia Kassab Arabo
    3. Kenneth Allen Parker
    4. Steven Anderson Leahy
    4 lawyer answers

    1. Can the bank continue to monthly report a charged-off HELOC on a foreclosed house in Michigan? Yes. The home equity lender would be permitted to report derogatory, if the loan is in default or otherwise not current. This is true even though they charged off the account. 2. How can I clear this debt from my credit report, or at least prevent the bank from continuing to report it? Charged off debts are generally much easier to resolve than non-charged-off debts. Some creditors...

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  3. Looking to see if I have any legal rights regarding unpaid hospital bills?

    Answered 7 months ago.

    1. Adam S. Alexander
    2. Simon Goldenberg
    3. Jessica Rene King Dorman
    4. Anthony J. Pietrafesa
    5. Shaye Larkin
    5 lawyer answers

    There's a lot you can do. If you are not notified of a debt you have a reasonable argument that it should not be reporting as delinquent. You need to contact an attorney who specializes in The Fair Credit Reporting Act. That attorney will review your credit report and circumstances to see if a violation of the law occurred here. That attorney will also assist you in resolving the debt in an amicable fashion. This is an issue which I suggest you take action on immediately.

    3 lawyers agreed with this answer

    1 person marked this answer as helpful

  4. Disputing a debt with a debt collector

    Answered 11 months ago.

    1. Adam S. Alexander
    2. Eric Edward Rothstein
    3. Michael Anthony Cataldo
    4. David Michael Kasell
    5. Christine B. Adams
    5 lawyer answers

    It sounds like you received a dunning letter. Ms. Adams is correct, you should immediately send a validation letter by certified mail to the debt collector. If this is a junk debt (where the debt collector purchases the debt from the original for pennies on the dollar), you potentially have multiple defenses. I suggest you also show the dunning letter to an experienced consumer protection lawyer in your area and discuss your options. You can find a good lawyer at www.naca.net

    5 lawyers agreed with this answer

  5. Deed in lieu foreclosure

    Answered 8 months ago.

    1. Adam S. Alexander
    1 lawyer answer

    It appears from your post that you have a law firm representing you. If the "law firm" you are referring to is the foreclosure law firm or bank law firm, you should hire a lawyer to represent you in this important process. Deeds in lieu include complex language and have significant effects on your credit. I suggest you arrange a consultation with an experienced lawyer before you sign anything.

    3 lawyers agreed with this answer

  6. I haven't paid my mortgage in 18 months, just received notification from lender requesting payment within 30 days.

    Answered 10 months ago.

    1. Colin M. Linsenman
    2. John R. Parnell Jr.
    3. Adam S. Alexander
    4. Richard M. Weaver
    4 lawyer answers

    The next letter you will receive is a MCL 600.3205b letter which will permit you to elect to "meet" a representative to negotiate a loan modification. You will have 14 days to respond to this letter. It is critical that you contact the sender within those 14 days. It will delay the process for weeks or months. Depending on your goals, (loan mod, walk away, bankruptcy, short sale, deed in lieu, other), you should contact an experienced stop foreclosure attorney immediately. You must not let...

    3 lawyers agreed with this answer

  7. Can an attorney appear by phone for a pre-trial conference? I am being sued by a debt collection attorney in Michigan.

    Answered 11 months ago.

    1. Adam S. Alexander
    2. Alan James Brinkmeier
    3. David B. Carter Jr.
    4. Maxim Christopher Zawojski
    4 lawyer answers

    I suspect that court permits a telephone appearance. You can call the civil clerk to confirm this. The bigger issue is that you were sued in the wrong jurisdiction. This alone may be a violation of the Fair Debt Collection Practices Act. You should contact an experienced lawyer immediately to discuss a potential counter suit against the debt collector, or a Motion to Change Venue. You can find a reputable consumer lawyer in your area at www.naca.net

    3 lawyers agreed with this answer

  8. Looking for a Aggressive Attorney to Assist in suing my Servicer of my Mortgage 4 illegal Sheriff Sale & Auctioning home on line

    Answered 8 months ago.

    1. Adam S. Alexander
    2. John R. Parnell Jr.
    2 lawyer answers

    If the sheriff's sale was expunged and they continued to advertise the property as if it were foreclosed, you may have a case there. You also could have some other claims there. Of course I would need to see all related documentation and have a consultation with you to see if a meritorious cause of action is available. You need to speak with an experienced attorney who specialized in stopping foreclosure.

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  9. I need help to respond to a summons. due 6/25

    Answered about 4 years ago.

    1. Adam S. Alexander
    2. Donald C. Wheaton Jr.
    3. Theodore Lyons Araujo
    3 lawyer answers

    I would be happy to provide you with a free consultation regarding the suit. I practice in Southfield, MI. You can get more information about my practice at www.myfaircreditsite.com.

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  10. Should I hire an Attorney for my Court Hearing on March 23, 2010?

    Answered over 4 years ago.

    1. Adam S. Alexander
    2. Kurt Eugene Lee
    2 lawyer answers

    Good work on getting the Judgment set aside. Your hearing on March 22 is likely a pre-trial or settlement conference. You should absolutely hire an attorney who is experienced in the debt collection laws. I would be happy to speak with you and provide you with a free consultation. You can view my contact information at www.myfaircreditsite.com. Please be advised that the above response does not constitute legal advice. The answer is provided for informational purposes only. You must make...

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