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Lawrence Adam Silverman

Lawrence Silverman’s Answers

21 total

  • My question is can i get my money back from that 1st vet. i took him to?

    my dog has been sick for couple weeks. first signs of illness i took him to a vet. they told me nothing was wrong. i paid about $600 for vet. bills and xrays. about another week or so went by and he's still not better. took him to another vet. and...

    Lawrence’s Answer

    You can always ask the vet for a refund. However, suing the vet and proving your claim in court is a tough row to hoe. You'd need an expert witness to prove the vet's conduct fell below the acceptable standard of veterinary care. Then there's the issue of damages. Even if your dog dies, a court will consider your damages to be very small. Even though many of us treasure our pets as members of the family, the law views pets as nothing more than personal property. Courts won't award you any more than the dog cost and maybe the amount you paid the vet.

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  • Can a creditor continue to pursue me after a court has dismissed their previous suit with prejudice, two year ago?

    About two years ago a creditor brought suit against me for an alleged debt. I was successful in defending against the suit and won a dismissal with prejudice from the court. Now the same creditor is attempting collections for the same debt. Can...

    Lawrence’s Answer

    Is the creditor the original creditor or is it a third-party, such as a "junk debt buyer"?
    If the creditor is a junk debt buyer, what they're doing is most likely a violation of the Fair Debt Collection Practices Act.

    I do not recommend ignoring the matter.

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  • Can a loan company put me in jail if i had to sell the collateral

    I had too pay my car payment or i was going to lose it and i had to put food on my table so i had to sell most of the collateral just to do that

    Lawrence’s Answer

    It's impossible to answer your question without more detailed information. There is no "debtors' prison" in modern society. However, Georgia does have a criminal misdemeanor offense called "Endangering a Security Interest". Whether that law applies to your case is fact dependent.

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  • How can I obtain money owed to me if the person is out of State?

    I did 43 illustrations for an author that lives in Michigan (Ann Harbor). He paid me 1/3 up front. He kept wanting more and more illustrations..I trusted this man. We did not sign a contract per say but the e-mail communications that I have saved ...

    Lawrence’s Answer

    Greetings from Marietta:

    As Mr. Harris said, you will most likely have to sue the author in his/her home state.
    You should consult a consumer's legal advocate in Michigan.

    You may find an attorney to help you on the "Find and Attorney" tab of the website for the National Association of Consumer Advocates. Here is a direct link to the directory.

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  • What is the Statue of Limitations for Debts and Collection for the state of Georgia?

    Can you tell me exactly what this means? A friend told me that she never paid her credit card bills and some overdraft fees, and they never came after her. She said, it was too late for them to come after her now because too much time had passed a...

    Lawrence’s Answer

    Georgia's statute of limitations on credit card accounts is six years from the date of delinquency. The date of delinquency on a credit card is generally the date of the first missed payment. The statute of limitations only controls the time within which a credit card company must file suit against a debtor or else the claim is forever barred. The statute has no bearing on the time limits for credit reporting, which is 7 1/2 years. So, it is entirely possible that a defaulted credit card account can be reported even if it's too late to sue.

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  • My Husband died 2 months ago, has credit card, is only authorized user. My name is not on it. Do I have to pay it? Help!

    My husband has a Lowes Credit card. He passed away March 29 10 due to rare cancer. My name is not on the card at all. He was the only authorized user. Am I going to have to pay this card. I do not have a job, always been a domestic engineer, home ...

    Lawrence’s Answer

    Most likely the answer is NO, you are not obligated to pay it. His estate, assuming it has any value, would be obligated to pay it. Since you are the administrator, it's your job to determine what creditor claims must legally be paid.

    You should check your three credit reports to be sure that the account is not on there.

    Don't be afraid of any debt collectors that try to scare you into believing you have personal liability for the debt.

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  • Can I get a tag cancelled

    My ex-friend had bought a vehicle in my name. He paid it all off because he bought it from an auction, now I have moved to a different city and I want to have that vehicle out of my name so how do I go about doing that.

    Lawrence’s Answer

    You can go to your local tag office and submit a voluntary cancellation request. You'll need the tag number and, possibly, the vehicle identification number.

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  • Collection agency coming after me AFTER case was dismised in court

    I have a 10 year case with a dept collector. The matter was in court last year when they ask the judge to drop the matter and sign off on it. Now they wrote me again last week concerning the said case to go to court to seeking judgment? I havent ...

    Lawrence’s Answer

    You should first contact the clerk if the court where the debt collector claims they sued you. You need to file a response to the suit and it's important to know whether you need to file a magistrate court answer or a state/superior court answer because the procedures are different.

    If the debt is indeed ten or more years old, you must include the defense of "Statute of Limitations" in your answer.

    Call us! This is what we do.

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  • Spouse's credit card debt after death

    Is my mother responsible for her husbands credit card debt after his death

    Lawrence’s Answer

    Your mother is only responsible for paying the cards if it was a joint account. If her husband left any assets, his estate could be held responsible for the debt.

    Many debt collectors will try to intimidate your mother into paying the debt. I'm seeing that more often. Please contact us if the debt collectors start harassing her for payment. We can stop it.

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  • Dead spouses credit card debt

    My father recently passed away and he has a credit card debt of around $10,000.00. My mother is 85 years old and is on social security. Does she have to pay his credit card bill. He was the only one who used it.

    Lawrence’s Answer

    Unless your mother is a co-obligor (co-signer) on the account, only your father's estate would be obligated to pay the bill. Even if your mother was obligated on the account, social security benefits are exempt from garnishment or seizure.

    Collection agencies can be heartless when it comes to trying to collect money from surviving spouses. Please call us if your mother starts receiving phone calls from collectors. We know how to deal with them.

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