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John F. Skinner III
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John Skinner’s Answers

117 total


  • Can I report attorney to the bar? This cannot be happening

    I lost a civil suit conducted without my knowledge by some law firm that apparently buys debt. I paid the law firm before my Payment review. I did not attend the payment review, as the paperback indicated I would not have to if the debt has been p...

    John’s Answer

    You may have a remedy under State and Federal consumer protection and fair debt collection laws. You may be entitled to money damages up to $1,000, plus costs, and attorneys fees. I routinely review and handle such matters on behalf of consumers at no cost to them.

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  • Do I have any legal recourse against former employer?

    Accepted a job offer with a verbal promise of $15k restricted stock units annually. At review time, received 0--was provided a formatted "offer letter" by manager that had fine print not on my email offer and not referenced in verbal offer. Left j...

    John’s Answer

    YES! You do have recourse. You may be entitled to $1,000 in damages, plus costs, and attorneys fees. I handle such matters at no cost to the client and we routinely conduct no cost case reviews of similar situations.

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  • I want to file chapter 13 and was quoted 4800 by an atty in Boston... is this a normal price or a rip off?

    My house is in foreclosure and an auction scheduled. Is 4800 for chapter average? Pleaseee help i have no idea

    John’s Answer

    The question is: WHY do you want to file Chapter 13? In addition, if you have an emergency situation, that is going to drive up the cost of the filing because the attorney has to drop everything immediately to focus on your case. These answers might provide some indication as to why the fee was quoted at that level.

    If your filing simply because you're in foreclosure, there may be other options or alternatives available to you. Other options may be less expensive or less detrimental to your credit. We conduct a lot of foreclosure defense in my office, but we no longer do Bankruptcy.

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  • Is it better and more cost effective to file a counterclaim to his appeal? Can I put a lien on property at that time?

    I'm a Massachusetts resident that signed a contract with a licensed contractor, who abandoned the project, to build a garage and breezeway and I won the arbitration case against my contractor for more than $25K. The contractor sent me a summons ...

    John’s Answer

    This is a complex matter with a lot of money at stake. It is highly advisable for you to contact and likely hire an attorney. You could essentially "lose" $15,000 here (or $25k if you never collect a dime). Hire counsel on a contingent or limited basis to try and ensure that doesn't happen. We would likely be able to craft a creative hybrid fee arrangement for a unique case such as this.

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  • Is it illegal in Mass to do that

    I owe monies to a debt collector and they are sending paperwork about my debt addressed to my employer that has nothing to do with it.

    John’s Answer

    That may be a violation of the law, or it could be a permissible attempt to "locate" you. We would have to review the paperwork and the specific facts of the situation. I conduct such reviews at no cost.

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  • Can I place a lien on their property on the market to collect on debt?

    Loaned 25000 dollars to son and daughter in law over two years ago. Neither has made more than a meager attempt to pay any back. Two payments total. Now they are divorcing and daughter-in-law is walking away from debt.

    John’s Answer

    You should consult with an attorney on this matter ASAP. Their assets and liabilities are going to be split in the divorce and there is no reason why you should be left holding the bag on this loan. Obtain legal counsel, and either get paid back, or at least get in line to be paid back along with their other creditors.

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  • What do I do, do I have any rights? Is this a scam by any chance?

    I had taken out an online loan for 500.00 from a site called American web 3 years ago. I paid back 250.00 and then lost my job. I moved and I was out of work for a while, and unfortunately forgot. This September I received calls from a "law firm" ...

    John’s Answer

    This have very likely been contacted by a "scam" company and by that I just mean that they are not legitimate. If you have them reporting on your credit report, or you have a collection letter with a legitimate name and address, then we may be able to help you under Federal and State fair debt collection law.

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  • Is there a way to remove paid collections from your credit report ?

    i paid off all my debt but my collections are still on my credit report and was wondering is there a way to remove them quicker then waiting the 7 years ?

    John’s Answer

    My colleagues are not wrong. But if you didn't sign any settlement agreements in the course of paying off these debts, and you have experienced harassing collection techniques within the last year, there may still be a chance to get the entries wiped out.

    Unfortunately, your situation underscores the importance of hiring an attorney for assistance with settling debts or handling credit and collections issues. We frequently get items deleted from our client's credit report, but it has to be done in just the right manner, at just the right time in order for it to work properly. In addition, National Banks and Credit Unions are even more stubborn about this, making deletion of their items that much more challenging.

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  • Was everything that the tow company did legal? Was my simple mistake justification to lose 200?

    I had a temporary parking pass for my rental car where I live. I had come home and forgot to put the parking pass in the rear view mirror as instructed by management. I was home for about 20 minutes and heard a car alarm ringing. I went to the win...

    John’s Answer

    It sounds as if they committed a "breach of the peace." If that's the case, then no, what they did was not legal if all this occurred before the vehicle was "hooked."

    You may have a case here.

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  • How can I fix this mess?

    How can I fix this? I had a medical bill go into collections. Although I was paying on it, they sold it to another collection agency. The old agency has it as one bill, the new agency decided to break it down into 4 bills. So now, on my credit r...

    John’s Answer

    There is a lot we could potentially do for you with all the facts and evidence. As my colleagues have pointed out, the FDCPA and FCRA, along with NH RSA 358-C, could provide a means to achieve your goals and pay our fees. I routinely provide such services for my clients and we conduct these consultations free of charge.

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