I am in a loan with a finance company for my car, and I am about 2 weeks late on my payment. I made a prior arrangement with them to have my bill paid by October 6th, or they will turn off my car with the GPS disengagement tracking device. Well, t...
If you can, pay under protest and then sue them. Turning off a car is legally the equivalent of a repossession. However, finance companies often do not consider it as such, giving rise to substantial liability for statutory damages under the Uniform Commercial Code. See a consumer lawyer.See question
I am being sued by a debt collector and the court date is on the 19th of October but was never served. Problem is neither I nor any one living in my home have been served. I am attempting to handle this my self since not only have I not ...
If the court file shows you were served (look for "return of service") you need to file a motion to quash, before the next court date.
If summons was returned "not served," you should not.See question
I am trying to understand if a creditor can garnish 15% of my wages to fulfill a judgement they have against me. I don't make very much money. How much do I need to earn for them to garnish my wages?
There is a carveout representing the Illinois minimum wage. So if you make more than minimum wage, the creditor can get 15% of the excess.See question
My cosigner (father) received the summons a few days ago. I am 32 years old and have been struggling since I have graduated years ago paying my student loans. I though I had all of them set up as far as paying them. I have another I defaulted on a...
Make sure you both file an appearance and do not default.
Consult a consumer attorney to see what defenses might exist. There actually are defenses, particularly to private student loan claims.
Note that your interests and those of the cosigner might differ, in that the cosigner may have defenses that the principal debtor does not have, such as failure to comply with statutory notice requirements applicable to cosigners, and in theory a cosigner required to pay is entitled to be paid by the principal. In many family cases such as parent and child this is not a real possibility (the parent doesn't want to sue the child), so you can have the same lawyer.See question
I paid all the rent plus court fees and I received documents to vacate and dimiss the original order but I recently found out that they put it on my credit report as an eviction can they do this I have all my receipts and copy of the cashier check...
Get a copy of the court file and the credit report(s) and take it to a consumer attorney. The Fair Credit Reporting Act requires that information on a consumer report be both truthful and not misleading. You are probably dealing with a specialized service that does screening for landlords, rather than one of the standard credit bureaus. Some of these will report eviction case filings. Sometimes they report the filing of a case as if a judgment had been entered.
There should be no charge to see a lawyer, or bring a case, as the Fair Credit Reporting Act provides for the aware of fees against a defendant.See question
My auto debt was charged off ($2500). The car then got repossessed AFTER the charge off. The price paid at the auction covered the debt. Do I still owe the $2500 debt? The car was still in very good condition. I lost my job and had no way to p...
If the sale price covered the debt plus expenses of repo and sale, that is it. You are entitled to an accounting of the sale proceeds. If one was not provided, you may be entitled to damages. Request a copy.See question
At the age of 13, I was in counseling, I would go to the councilors office building and see Him. Im not sure of the situation but from what my parents had understood they weren't going to be charged for one of the counseling sessions. Come this ye...
While a minor can contract for medical services, if the services are provided gratis or on the credit of the minor's parent, the minor is not liable. You need to dispute the debt with the credit bureaus, pointing out your age, with a copy to the counselor. If it is not removed in 30 days, you can sue. The Fair Credit Reporting Act provides for attorney's fees, so you should not have to pay out of pocket.See question
I've gotten calls from a area code number 909 which is in the state of California giving me Fred that if I do not pay I will be arrested and go to jail is that possible
The statute is four years, measured from default or last payment.
Check with your state Attorney General and financial institutions regulator as to whether the parties who made the loan were authorized to do so. Many internet loans are unenforceable.
This sounds like a scam.See question
I recently went to purchase an RV with my mother-in-law as a cosigner. We signed the release for them to run our credit with me as the primary and her as the cosigner. I specifically told the finance woman not to run my credit individually. Accord...
Absent actual damages, this is not actionable. The Fair Credit Reporting Act provides that applying for credit is a permissible purpose for obtaining a credit report. So is the written permission of the consumer. The fact that you applied for credit allows the dealer to obtain credit even without permission.
All credit reports are individual, so that agreement to run credit on two persons doesn't make any sense. Even if it was an agreement to run credit only if it could be done on two people simultaneously, the only claim would be breach of contract, and that requires damages.See question
And the manager telling him that she don't know where is money is could you advise me what to do Gracia's.
Notify the bank in writing immediately of the unauthorized transaction, giving account name and number, date, etc., and state that you did not receive any benefit from it.See question