Michael Stephen Agruss’s Answers

Michael Stephen Agruss

Chicago Personal Injury Lawyer.

Contributor Level 10
  1. Did the debt collector violate FDCPA and Rosenthal act?

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Richard Scott Lysle
    2 lawyer answers

    The main issue here is whether or not a judgment on a personal injury claim is a debt under the Fair Debt Collection Practices Act. The FDCPA covers personal, family, and household debts. For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill. The FDCPA does not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets. The term debt means any obligation or alleged obligation of a consumer to pay money...

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  2. If a credit card company (Target National Bank) has charged off an account, can they still sue the debtor?

    Answered over 2 years ago.

    1. Nikhil J Chawla
    2. Frank Wei-Hong Chen
    3. Michael Stephen Agruss
    4. Douglas Gist Farquhar
    5. Wesley Kent Hill
    5 lawyer answers

    I agree with all of my colleagues. I'm familiar with CIR's practices and I know one of CIR's in-house attorneys. CIR will likely litigate this case through judgment. Therefore, if you owe the debt, I suggest that you try to settle it with CIR. Also, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights. Once again, do not ignore a lawsuit.

    3 lawyers agreed with this answer

  3. Can I use a General Denial form ? ( California)

    Answered over 2 years ago.

    1. Frederick William Schwinn
    2. Frank Wei-Hong Chen
    3. Michael Stephen Agruss
    3 lawyer answers

    If you do not recognize the debt, you should dispute it immediately. Is the debt on your credit report? Which law firm is suing? To dispute credit report errors, you should: 1. Get a free copy of your credit report http://agrusslawfirm.com/index.php/Free-Credit-Report 2. Write a letter to all three of the nationwide consumer credit reporting companies—Equifax, Experian, and TransUnion. Tell the credit reporting companies what information is incorrect in your credit report....

    3 lawyers agreed with this answer

  4. ATT sent a bill to collection that I did not owe.

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Richard Scott Lysle
    2 lawyer answers

    You should dispute the debt. The information in your credit report is used to evaluate your application for credit, insurance, employment, and renting a home. Your credit report contains information about where you live, how you pay your bills, whether you’ve been sued or arrested, and whether you’ve filed for bankruptcy. Therefore, you should be sure the information is accurate and up to date. Additionally, monitoring your credit is one of the best ways to spot identity theft. Be aware that...

    2 lawyers agreed with this answer

  5. A debt collector is trying to collect on a repo auto that happen in 1998

    Answered over 2 years ago.

    1. Richard Scott Lysle
    2. Michael Stephen Agruss
    3. Bruce Allan Wilson
    4. Jake Allen Walton
    4 lawyer answers

    Who is the collection agency? Is the collection agency attempting to collect the deficiency balance or a judgment? How much money does the collection agency claim you owe? www.agrusslawfirm.com

    2 lawyers agreed with this answer

  6. I've been making monthly payments to a collection agency which for the last 5 months havent sent me current statements.

    Answered almost 3 years ago.

    1. Michael Stephen Agruss
    2. Michael A. Goldstein
    2 lawyer answers

    You should send the collection agency a letter, certified mail return receipt, requesting an updated statement. Who is the collection agency? I may be able to give you more specific suggestions depending in the collection agency.

    2 lawyers agreed with this answer

  7. Judgment Proof: What does this mean?

    Answered almost 3 years ago.

    1. Judy A. Goldstein
    2. Andrewe William Johnson
    3. Michael Stephen Agruss
    3 lawyer answers

    Even though you are judgment proof, you will still want to respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights. Do not ignore a lawsuit. If credit company wins the lawsuit, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the credit card company to attach the order to any of your assets. Therefore, although the judgment may not allow your SSDI income to be...

    2 lawyers agreed with this answer

  8. My payday loan is in default and it has been turned over to collections, I have spoke to the agency but I'm still getting

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Dorothy G Bunce
    2 lawyer answers

    This is likely a scam. You should ignore the calls and ask your phone company to block the number. Do not give any of your personal information to the collector. Most of the scams I've seen deal with people that have taken out payday loans in the past. You should file a complaint with the Federal Trade Commission, too, at www.ftc.gov. Ask your supervisor to be patient with you, as you have no control over a collection agency that is likely a scam. www.agrusslawfirm.com

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  9. Scam debt collector keeps calling me at work even though i told him not to call me he keeps harassing me.

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Mara Ann Baltabols
    3. Judy A. Goldstein
    4. Charles Laputka
    4 lawyer answers

    You should ignore the calls and ask your phone company to block the number. Do not give any of your personal information to the collector. I suspect you took a payday loan in the past few years. Most of the scams I've seen deal with people that have taken out payday loans in the past. If you have any other questions or concerns, please let me know. www.agrusslawfirm.com

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  10. Collection Attorneys

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Ezra N. Goldman
    3. Tara E. Nichol
    3 lawyer answers

    They may sue you, but it's cheaper, easier, and less time consuming if they keep you on the payment plan. Plus, if you've made timely payments for 18 months, the law firm is more likely to get you back on he payment plan than to sue you. I would call the law, confirm they received the payment, and let them know that you want to continue with the payment plan until you pay off the debt. Then, send them a confirmation letter.

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