Michael Stephen Agruss’s Answers

Michael Stephen Agruss

Chicago Personal Injury Lawyer.

Contributor Level 10
  1. How long can a collection co come after you on a repossesed car? Can this go back on my credit report after falling off?

    Answered over 2 years ago.

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

    Collection agecnies may collect on debt as long as they want. However, collection agencies may not threaten legal action or take legal action on debt that is time barred (i.e., beyond the statute of limitations). I suspect you are dealing with a junk debt buyer. If this debt is not on your credit report, and it's beyond the statute of limitations, then you can simply ignore it. On the other hand, if you owe this debt, and it's within the statute of limitations, you can alos work with the...

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  2. I fitness club forged my name on a contract and has me in collections.

    Answered over 2 years ago.

    1. Alvin S. Albert
    2. Michael Stephen Agruss
    3. Glen Edward Ashman
    4. Daniel Dwight Bowen
    5. Christopher P Norris
    5 lawyer answers

    You should also send a written dispute, certified mail return receipt, to the collection agency. If you do not dispute the debt within 30 days of receiving the initial notice letter from the collection agency, the debt will be considered valid One important section of the FDCPA is section 1692g, which deals with validating debts. Section 1692g states, “[w]ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall…...

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  3. I'm recieving threatening phone calls stating that there will be a warrant for my arrest for an unpaid payday loan from 5 years

    Answered over 2 years ago.

    1. Shawn B Alexander
    2. Michael Stephen Agruss
    2 lawyer answers

    It's a scam. No legitimate collection agency will threaten you with a warrant. You should ignore the calls, file a complaint at www.FTC.gov, 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. If you have any other questions or concerns, please let me know. www.agrusslawfirm.com

    3 lawyers agreed with this answer

  4. What can I do about a $5000 medical debt I was never billed for?

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Ronald Joseph Kim
    3. James Earl Walsh
    3 lawyer answers

    Mail a letter to the hospital requesting a copy of the bill. You can also try calling the hospital and requesting a copy of the bill. Once you receive the bill, submit it to your health insurance provider. If you owe the debt, and do not have health insurance, try to work out a monthly payment plan with the hospital. If the account is with NCO, you can also work out a payment plan with them. Please let me know if you have any other questions. www.agrusslawfirm.com

    3 lawyers agreed with this answer

  5. I received a 1099-c form from a collection agency for a bank loan from july 2000. Last year I 'settled' the debt.

    Answered over 2 years ago.

    1. Min Gyu Kim
    2. Michael Stephen Agruss
    2 lawyer answers

    You should send letters, certified mail return receipt, to both collection agencies explaining the situation. You should also provide all of this information (letters, proof of payment, etc.) to the person that handles your taxes. What are the names of the collections involved? www.agrusslawfirm.com

    3 lawyers agreed with this answer

  6. In regard to consumer debt, has anyone heard that if a Cease & Desist was placed does that stop the creditor from filing suit ?

    Answered over 2 years ago.

    1. Jeffrey B. Lampert
    2. Michael Stephen Agruss
    3. Stephen P. Orchard
    3 lawyer answers

    Even if you send a cease and desist, the collection agency may still file suit against you. That's one of the risks of sending a cease and desist letter. In your situation, the collector may have said that he would not file suit because it's beyond the statute of limitations. www.agrusslawfirm.com

    3 lawyers agreed with this answer

  7. Do I have to pay collection agency?

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Steven Po Chang
    2 lawyer answers

    Most likely, the collection agencies either purchased the debt (junk debt buyer) or was hired by the original creditor (hospital, doctor, etc.) to collect on the debt. Either way, if you owe the debt, then yes, you have to pay the collection agency now, as opposed to the original creditor. With medical bills, make sure they were submitted to your insurance company first, if you have medical insurance. Depending on the collection agency involved, you may be able to reach a settlement at a...

    3 lawyers agreed with this answer

  8. I received a notice from allied interstate, saying i owed century link $218.71

    Answered over 2 years ago.

    1. Thuong-Tri Nguyen
    2. Kathryn Ursula Tokarska
    3. Dorothy G Bunce
    4. Michael Stephen Agruss
    4 lawyer answers

    Request validation from Allied in writing. One important section of the FDCPA is section 1692g, which deals with validating debts. Section 1692g states, “[w]ithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall…send the consumer a written notice containing” the following information: (1) the amount of the debt, (2) the name of the creditor to whom the debt is owed, (3) a statement that the consumer has 30 days to...

    3 lawyers agreed with this answer

  9. Trying to buy a house but the ONLY negative mark on my credit is a default judgement of $2500.

    Answered over 2 years ago.

    1. Frank Wei-Hong Chen
    2. Michael Stephen Agruss
    3. Robert Harlan Stempler
    4. Richard Scott Lysle
    4 lawyer answers

    I agree with the other attorney, Frank. Do you owe the debt? If so, negotiate a payment, and then request a satisfaction of judgment you it's paid off. Then, send the satisfaction of judgment to the credit report agencies and ask for your credit report to be updated.

    1 lawyer agreed with this answer

  10. District Restitution Services Calling regarding Payday Loan taken in 2005

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Robert Harlan Stempler
    3. Sidney Joseph Diamond
    3 lawyer answers

    It's possible DRS is a scam. Do not give them any of your personal information until you find out if DRS is legitimate. Most of the scams I've seen deal with people that have taken out payday loans in the past. Ask them to send you something in writing. If you have any other questions or concerns, please let me know. www.agrusslawfirm.com

    1 lawyer agreed with this answer