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I am 36 and living with my parents. They provide me with free room and board. I moved out of my apartment, without mgt's approval, and moved into their home. My questions are: 1) I'd like to walk-away from all my debts, no matter the results to my...
If you're saying that you are being threatened or harassed by debt collectors, feel free to send me a message for more information when you are able. I know people in your area with my firm who can assist you, and would be happy to provide you with any information.
Sometimes these collectors end up owing you up to $1000.00 for violating federal law, or also $500-1500.00 per call made after you told them to stop calling if they are using an auto-dialer to call you. I have also seen many debt collectors who own people's debts waive the debt to avoid being sued, no matter how much the debt is. These collectors should only be dealing with you in a legal manner, and you might be surprised at what is illegal that you might not have originally though was illegal.See question
Umass Amherst No loans
Feel free to send me a quick email to contact me with any more questions.
If these collectors have violated your rights, you might be entitled to up to $1000.00 per collector if they violated federal law in the way they are collecting. In some instances, $1500.00 per call if you told them to stop calling you with an auto-dialer ad they ignored you.
Bankruptcy is an option with student loans, but it very hard to get them discharged via bankruptcy.
However, there are resources that you can be put in contact with who might be able to help you consolidate your loans, which would help in reducing payments to an affordable amount, and then you can go after any possible offending collectors. I hope this helps.See question
Called the collection agency and was told they were not a collection agency, but the main billing office. Was told nothing has been reported to the credit bureau yet. Found all this to be untrue. I would have to pay the full amount in 30 days to...
If this agency lied to you, then they might be the ones ending up owing YOU money. I would not hesitate to get the compensation you deserve under the law in my opinion.
It sounds like they have violated the Fair Debt Collection Practices Act from what you have described. Feel free to contact me via email, or call my office on Monday, and my firm will direct you to a Florida attorney who can help you for no cost out of your pocket. Sometimes attorneys are also able to have them remove negative trade lines that they are responsible for.See question
Under California or Federal law, do I legally have to give a police officer my name and identification, if I am just watching an arrest take place? Last week, my friends and I saw a neighbor down the street get arrested and there were all thes...
They can ask for it, as the other attorneys have mentioned. You can refuse to give your name, but definitely do not give false information.See question
My husband applied for bankruptcy in November 2010 and was discharged in March 2011, I was not part of the bankruptcy. If I file jointly will the refunds be taken by the trustee or do I file on my own. Thanks
In full agreement with Attorney Meyers, please seek an experienced Bankuptcy Attorney licensed in your jurisdiction that won't charge you an arm and a leg for their representation.See question
I have been told that in the US District Court of Northern California that if a debtor seeks validation with a collection agency, that validation request applies to the collector and to all others who subsequently work the alleged debt from that p...
I am not sure whether that Circuit has precedent cases dealing with the FDCPA, that have held that all others who subsequently work the alleged debt are bound and deemed to have been put on notice from that point forward. Personally I doubt that would be the case, unless it could be proven that all who worked the alleged debt thereafter were given knowledge of the validation request that had not yet been answered. If you're having problems with a collector, feel free to email me your info or contact my office Monday and we will try to put you in touch with an attorney licensed in the federal court for your federal district in North Carolina who can help you at no cost out of your pocket.See question
I have a debt that I paid what they gave me for a health care loan, but late fees and interest was all that I owed I was being a smarty and just wanted to pay the loan, so that is what is left. The collections agency said they have the contract an...
Feel free to contact my office anytime on Monday, or email me. In my opinion, it is possible that this agency overshadowed your right to dispute the validity of the total charges of the debt. Yes you owe the debt, but who knows the the fees and interest that they wish to charge are valid? They could owe you max $1000.00 for violating the Fair Debt Collection Practices Act, and we know attorneys who might represent you at no cost out of your pocket.See question
I applied to a program( the college network) for my nursing degree. Where an automatic loan is approved but I cancelled as i got bad reviews and the was given wrong information. The program told me I could only cancel within 3 days of applying and...
Feel free to call my office to discuss this, and we will try to direct you to an attorney who can help you in regrads to this. In my opinion, they are liable to you for violating two federal acts, the Fair Debt Collection Practices Act, and the Electronic Fund Transfer Act. They could owe you max $1000.00 for violations of the FDCPA, and max $1000.00 for violations of the EFTA. This could be leverage that you could use against them to negotiate a better payment plan, if there was any fraud involved in what they told you, it could be possible that the contract be found unenforceable. Don't hesistate to find legal representation, as what they have been doing seems completely unacceptable.See question
Being sued by junk debt buyer. They did not verify debt or provide any substantiation that they have the right to collect. We did have original debt with original creditor. But, we don't want to pay someone who isn't authorized to collect. I...
I agree with both of the other attorneys' responses. I feel that you should contact a local attorney in your state soon, though it is possible you could also possibly do this pro se.See question
college never had anything like this to happen to me
If you have already given them good reason to know that the bill is not yours, and they continue to attempt to collect, that could be a violation of the FDCPA, possibly entitling you to max $1000.00. Please feel free to contact my office early this upcoming week and we'll try to put you in touch with an attorney who might be able to assist you on contingency.See question