Lu Ann Trevino’s Answers

Lu Ann Trevino

Houston Debt / Lending Agreements Lawyer.

Contributor Level 18
  1. Agreements involving monetary payments to settle an old credit card debt.

    Answered 10 months ago.

    1. Lu Ann Trevino
    2. Peter Walter Weston
    3. Michael Glynn Busby Jr.
    4. John P Corrigan
    5. Sean Thomas Flynn
    5 lawyer answers

    The creditor representative will sign a payment agreement or you won't send the money. If you have already been sued, you need to be sure they have the proper evidence to prove the debt before you decide to pay.

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  2. Can a federal warrant be issued for a payday loan they say was done in Nov 2005 and they have provided no proof?

    Answered 7 months ago.

    1. Lu Ann Trevino
    2. Pamela L. Stewart
    3. Deborah Gwen Roher
    4. Michael Glynn Busby Jr.
    5. Robert J Adams Jr.
    5 lawyer answers

    I know all of you are frightened by the threats of collectors on payday loans, but the vast majority of these calls are for uncollectable debt that may not actually exist. The threats of criminal action are absolutely false. Beg them to arrest you AND sue you.

    6 lawyers agreed with this answer

    1 person marked this answer as helpful

  3. Is Tantra Massage legal

    Answered almost 6 years ago.

    1. Lu Ann Trevino
    1 lawyer answer

    The manipulation of the sex organ for money is the element of the technique that could be considered illegal. You may have a good faith belief that the law is wrong or should be changed, but that would require arrest for the act followed by trial and appeals.

    2 lawyers agreed with this answer

    9 people marked this answer as helpful

  4. How am I able to remove myself from a loan that I co-signed and how am I able to recover the monthly payments made?

    Answered about 1 month ago.

    1. Lu Ann Trevino
    2. Robert Neil Newton
    3. Dana Howard Shultz
    3 lawyer answers

    You are stuck. You must keep paying if you are concerned about your credit scores or you can stop paying if you have no plans for credit based purchases in the near future. Bankruptcy is an option but drastic if this the only debt. You can sue your "friend" but actually collecting on the debt and judgment is unlikely in Texas.

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  5. I am 75 years old still working and have been caught up in payday loans. I need to file personal bankruptcy.

    Answered about 1 month ago.

    1. Lu Ann Trevino
    2. Pamela L. Stewart
    3. Dorothy G Bunce
    3 lawyer answers

    Bankruptcy might not be right for you. If you are receiving Social Security benefits of any kind make sure those funds are never commingled in a bank with any earned money you may have. It is highly unlikely that you would actually be sued for defaulting on a payday loan, but if you were, only your earned money in the bank could be seized to satisfy a judgment.

    6 lawyers agreed with this answer

  6. Can a warrant be issued for missing a payday loan payment?

    Answered 6 months ago.

    1. Lu Ann Trevino
    2. Daniel Ray Gamez
    3. Kelly G. Lambert III
    4. Shaye Larkin
    5. Michael Glynn Busby Jr.
    5 lawyer answers

    No and they can't arrest you for not making payment either. The scarier the threat the greater the likelihood this is a scam.

    6 lawyers agreed with this answer

  7. Is there a statute of limitations on credit card debt collections in the state of Texas? If so, what is the time period?

    Answered about 5 years ago.

    1. Lu Ann Trevino
    1 lawyer answer

    These comments are made for educational purposes only and do not constitute legal advice. No attorney-client relationship exists between us. The statute of limitations for the collection of debt in Texas is 4 years beginning the day after your first missed payment. This does not change when a debt is sold. The debt buyer must file suit to collect before that 4 year period ends. Collectors can and do often try to collect debts many years after limitation period ends. If that happens,...

    12 people marked this answer as helpful

  8. Can I be arrested for not responding or not showing up to court for a debt collection lawsuit

    Answered almost 6 years ago.

    1. Lu Ann Trevino
    2. Gene D. Lipscher
    3. Chad William Koplien
    3 lawyer answers

    In Texas, if you were properly served with the court papers, if you don't answer or appear, a default judgment will be taken against you. You will not arrested.

    1 lawyer agreed with this answer

    10 people marked this answer as helpful

  9. Can a Texas home equity loan be modified? I was rejected by Nationstar on the basis that it is against state law to modify.

    Answered 15 days ago.

    1. Lu Ann Trevino
    2. Robert Chamless Lane
    2 lawyer answers

    It is now clear under the Sims decision that a Texas home equity loan can be modified even if the loan principal is increased. This is a new ruling and many lenders and servicers are now trying to figure out how to apply it to the tremendous backlog of foreclosures in the pipeline. As you may know, Nationstar will have to sue you to get permission to foreclose which means you will have the opportunity to file your own suit against Nationstar. That will be the time to negotiate the...

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  10. I know someone who is using stolen identities (making IDs, opening accounts, cloning credit/debit cards). Police don't care.

    Answered 7 months ago.

    1. Lu Ann Trevino
    2. Gary Alan Armstrong
    3. Simon Goldenberg
    4. Jimmie Lee J. Brown Jr.
    4 lawyer answers

    You really need a police report number so you can inform the credit bureaus that you are a victim of identity theft. Usually, you can get a report number even if there is no investigation. As for the others, you might want to try the sheriff or the FBI.

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