Michael Stephen Agruss’s Answers

Michael Stephen Agruss

Chicago Personal Injury Lawyer.

Contributor Level 10
  1. Payday loan refused payment

    Answered over 2 years ago.

    1. James Portman Webster
    2. Michael Stephen Agruss
    3. Barbara L. Horan
    3 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 the amount now owed is $700.00. If you continue to have problems with this company, file a complaint with the better Business Bureau. www.agrusslawfirm.com

    1 lawyer agreed with this answer

  2. Received Summons for Capital One Credit Card, Requested Debt Validation, did not satisfiy, can I request motion for dismisal?

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Daniel Tam
    2 lawyer answers

    The FDCPA only applies to third-party debt collectors. The FDCPA does not apply to first-party creditors, like Capital One. If your situation dealt with a third-party debt collector, and you requested validation, if the collection agency plans on continuing to collect your debt after you request validation, the collection agency must provide you with debt validation. A debt collector must provide the consumer with certain basic information. If that information was not in the initial...

    1 lawyer agreed with this answer

  3. Can a hospital send a third party person to my home to talk about my unpaid bill?

    Answered over 2 years ago.

    1. Min Gyu Kim
    2. Michael Stephen Agruss
    3. Daniel Dwight Bowen
    3 lawyer answers

    Was the third person sent to your home a debt collector or a process server. It appears the hospital either hired a third-party debt collector to collect the debt, or filed a lawsuit against you and sent a process serve to your house to serve you with a lawsuit. Who came to your house?

    1 lawyer agreed with this answer

  4. I received a call from Vanderbilt & associates regarding a phone debt from 2004.

    Answered over 2 years ago.

    1. Eric Charles Lewis
    2. Michael Stephen Agruss
    2 lawyer answers

    If you do not know if you owe the debt, you should send Vanderbilt & Associates a letter requesting validation (V&A's contact information is below). 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...

    1 lawyer agreed with this answer

  5. I have a default judgement from a credit card that's 4 years old now, got a letter from the 3rd. party debt collector saying

    Answered over 2 years ago.

    1. Andrew Brian Finberg
    2. Michael James Duffy
    3. Glenn R Reiser
    4. Michael Stephen Agruss
    5. Shawn B Alexander
    5 lawyer answers

    Do you owe the debt? What’s your ultimate goal? Are you interested in settling the debt? What collection agency has the account now? I have built relationships with credit card companies and collection agencies and can often times come to a settlement agreement quicker and at a more favorable rate than a debtor acting on their own. www.agrusslawfirm.com

    1 lawyer agreed with this answer

  6. What options do I have if any with a debt I believe is erroneous?

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Michael J Corbin
    2 lawyer answers

    If your insurance company refuses to pay the bill, your next step should be to negotiate some sort of settlement with the lab and/or the collection agency. You should send the lab and the collection agencies letters explaining your situation. You will likely have more room to negotiate with the collection agency than the lab. However, the lab would probably be more likely to accept monthly payments without tacking on additional fees and costs. What collection agency has your account? I...

    1 lawyer agreed with this answer

  7. Can i get a fradulent overdue balance off my Credit record?

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    2. Alan D. Walton
    3. Dorothy G Bunce
    3 lawyer answers

    You should dispute your credit report. 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 the...

    1 lawyer agreed with this answer

  8. Order for Entry of Judgement

    Answered over 2 years ago.

    1. Christopher John Lane
    2. Anne Whalen Gill
    3. Michael Stephen Agruss
    3 lawyer answers

    If the debt is consumer debt (i.e., personal debt), and not business debt, the letter you likely received is a called a G Notice 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 information: (1) the amount of the debt, (2) the...

    1 lawyer agreed with this answer

  9. Universal Fidelity alleges we owe debt from Hollywood Video, we belive it's false. What do we do?

    Answered over 2 years ago.

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

    You should mail, certified mail return receipt, a dispute letter and request for validation to Universal Fidelity. 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...

    1 lawyer agreed with this answer

  10. Is there anything that can be done about a check wrote 12/2005 for under 20.00 that didn't clear bank

    Answered over 2 years ago.

    1. Michael Stephen Agruss
    1 lawyer answer

    It sounds like a scam to me. Check your credit report (www.annualcreditreport.com) to make sure there's not a negative mark from this company or any other company regarding this debt. If you or your family member hear from this company again, request something in writing. Do not give any of your personal information out over the phone. If the company will not send you something in writing, chances are it's a scam. You can also file a complaint at www.ftc.gov. If you have any other...

    1 lawyer agreed with this answer