Michael Stephen Agruss’s Answers

Michael Stephen Agruss

Chicago Personal Injury Lawyer.

Contributor Level 10
  1. What should I do about an old utility bill, that's gone to collections, but the utility company can't find record of?

    Answered over 2 years ago.

    1. Brent Patrick Bohan
    2. Michael Stephen Agruss
    3. Shawn B Alexander
    3 lawyer answers

    Yes, you should certainly dispute your credit. 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. Include documents that support your position. State the facts and exactly why you dispute...

    2 lawyers agreed with this answer

  2. Have a debt collector harassing me at work still even when i tell them to stop also he says his name is peter brown but the guy

    Answered over 2 years ago.

    1. Judy A. Goldstein
    2. Andrew John Hawes
    3. Michael Stephen Agruss
    3 lawyer answers

    It's a scam. No legitimate collection agency will ask you to wire them money. 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. 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

  3. What type of attorney would be needed and what could they do for me?

    Answered over 2 years ago.

    1. Robert Harlan Stempler
    2. Molly Cristin Hansen
    3. Michael Stephen Agruss
    3 lawyer answers

    You should have a lawyer send a letter to the nedor and to the collection agency. You will want to dispute the debt withing 30 days of receiving the initial collection letter. 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...

  4. Yes in 2007 i got a paday loan and made payments and then lost my job and filed bankruptcy,never heard any more about the matter

    Answered about 2 years ago.

    1. Michael Stephen Agruss
    1 lawyer answer

    Be careful when dealing with payday loans. Often times, scam companies are associated with payday loans. Therefore, make sure you are actually dealing with the payday loan company when trying to settle the debt. Ask the company to send you something in writing explaining how much money you owe. Payday loan companies saying that are "affidavit processors or working for a law firm" is likely not legitimate. If you continue to have problems with this company, file a complaint with the better...

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  5. What can I do to correct this error? Also do I have the right to seek money damages? How can we determine why this is my record?

    Answered about 2 years ago.

    1. Amy Lavonne Wells
    2. Michael Stephen Agruss
    3. Thomas Ray Breeden
    3 lawyer answers

    You need to dispute the information in your credit report. 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...

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  6. AFNI, a collections company, is trying to collect on debts from 1998 and 2003--will this effect my credit report?

    Answered over 2 years ago.

    1. Alan D. Walton
    2. Michael Stephen Agruss
    2 lawyer answers

    I agree with Alan Walton's response. Have you checked your credit report to see if these accounts are being reported on your credit report? You can get a free copy of your credit report at www.annualcreditreport.com

    1 lawyer agreed with this answer

    1 person marked this answer as helpful

  7. Can an original creditor (not a 3rd party debt collector) still be sued for harrassment?

    Answered about 2 years ago.

    1. Daniel Anthony DeLiberty
    2. Alfred M. Abel
    3. Charles Laputka
    4. Michael Stephen Agruss
    4 lawyer answers

    You are correct. The FDCPA does not apply to original creditors, like GE Money Bank. However, some states, such as California, give consumers additional protections under a state law that allows consumers to sue original creditors for collection harassment. You should speak with an attorney in PA to see if PA has a state law similar to California’s Rosenthal Act.

    1 lawyer agreed with this answer

  8. How do we get our credit report updated?

    Answered about 2 years ago.

    1. Michael Stephen Agruss
    2. Dorothy G Bunce
    3. Amy Lavonne Wells
    4. Thomas Ray Breeden
    4 lawyer answers

    You should dipute your credit report. 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...

    1 lawyer agreed with this answer

  9. What can i do to stop harassing payday loan creditor calls at work and at home ?

    Answered about 2 years ago.

    1. Mitchell Paul Goldstein
    2. Michael Stephen Agruss
    2 lawyer answers

    Be careful when dealing with payday loans. Often times, scam companies are associated with payday loans. Therefore, make sure you are actually dealing with the payday loan company when trying to settle the debt. Ask the company to send you something in writing explaining how much money you owe. Payday loan companies saying that are "affidavit processors or working for a law firm" is likely not legitimate. If you continue to have problems with this company, file a complaint with the better...

    1 lawyer agreed with this answer

  10. Does FDCPA apply to judgment recovery agency?

    Answered about 2 years ago.

    1. Michael Stephen Agruss
    2. Mitchell Paul Goldstein
    2 lawyer answers

    Yes, the FDCPA covers consumer judgments. Under the FDCPA, the term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction primarily for personal, family, or household purposes. A judgment is also considered debt under the FDCPA. Therefore, the collection agency will have to abide by your cease and desist letter. However, keep in mind that the collection agency may pursue other avenues of collecting the judgment if they cannot communicate...

    1 lawyer agreed with this answer