Medical bill from 2001 or 2002, For 1,558.11 Midland states judgment rendered against me in 2008, ( don't know if this is true, nothing on my credit report, nor did I receive any court judgement in the mail.) have 10 days to pay or they will ...
Hello, I am Max L. Rosenberg, a Connecticut and New York Debt Collection/ Bankruptcy attorney. I am very familiar with Midland Credit Funding. If they say they have a judgment, It is very likely that they do. I would urge you to see an attorney like myself who can verify the debt/ judgment and negotiate a settlement for you before they move for an execution or garnishment. You can contact the attorneys who have answered you here or utilize the Find an Attorney function on this website. Good luck.See question
I have just received documentation from a debt buyer. It shows much of my personal info (name, social security, DOB, etc.), but the phone number they have listed as my home phone number is incorrect. I've had my home phone number for 20+ years and...
My name is Max L. Rosenberg and I am a Connecticut based attorney that handles debt settlement and Fair Debt Collection Practices Act violations and Connecticut Collection Practices Act matters. Along with your phone number, are various other elements that are used to identify you and your debt. A wrong listed number is hardly sufficient to challenge the debt. However, if they used that number and gave any material information to the owner of that number you would have a decent FDCPA/ CCPA case against the company.See question
Is there a law that addresses this issue that you can point out? This is for a debt collection suit brought by a debt buyer.
Hello, I am Max L. Rosenberg a Connecticut based attorney. It is my understanding that pursuant and in accordance with the Financial Services Authority regulations, such documentation must be maintained for at least six years. However, banks often keep the documentation much longer digitally and in microfiche. Please feel to contact us if we can be of assistance.See question
If a debt buyer/assignee can not produce a credit card application with the debtor's signature, is there any other way to prove that the debtor opened the account in question?
No. Not at all. Payment records and electronic applications will often suffice.See question
If a debt buyer can not prove that they own the debt they are suing me for and all along they have been reporting the debt, negatively affecting my credit score, can that be considered an "injury"?
If you can show that they do not own the debt or that the debt is incorrect, you will be able to pursue the reporting creditor for Fair Credit Reporting Agency (FCRA)See question
I did not receive a notice of validation before getting sued by a debt buyer that purchases charged off debts. At some point in the case, I sent a request for production asking for a copy of the validation notice they had sent me and the plaintiff...
Attorney Harrell is correct. You need a lawyer with experience in consumer advocacy.See question
A debt buyer is asking me to "prove that I do not owe the debt in question". I know that the burden of proof lies with the plaintiff but I'm not sure that there is a valid objection I could use in response to this interrogatory. If I can object, o...
You have asked the same question a number of different ways on this website as other answerers have noted. Please understand that this is a complex area of law and you are doing yourself a great disservice by trying to represent yourself.See question
If the law firm does not send a validation notice to a debtor before filing suit against them, do they violate any FDCPA law(s) and if so which one(s)? Is the validation notice what's considered an "initial communication" in the FDCPA?
The first communication is required to have a 30 day debt validation notice included allowing you to request actual validation of the debt within the 30 days from the receipt of the letter. The lawsuit may be considered a first communication as attorneys can be debt collectors as well. I would need to see the lawsuit to know if there was a violation. In either case, you need a lawyer because you cannot handle this properly alone.See question
I hire an attorney to represent me in an employment matter . I also paid a retainer fee but the attorney has yet to start my federal case and slow to reply. How do I terminate our agreement
You should do it in writing. Request an accounting of time spent on the file and a refund of the unused retainer fee funds.See question
I am defending myself in debt collection litigation. My friend helps me with the research and drafting/editing of my pleadings. My friend is not licensed as an attorney but has been a great help to me. Is the fact that my friend helps me illegal a...
It is not illegal unless the friend represents himself as an attorney. You may have to disclose your friends involvement if you are deposed or in a similar position. However, it is incredibly unwise to be doing what you are doing. "A man who is his own lawyer has a fool for a client" from - The flowers of wit, or a choice collection of bon mots, by Henry Kett, 1814. Be smart and hire an experienced consumer protection attorney. Use the Find a lawyer function on this website.See question