Archived
Creditor unsuccessful in serving for a "civil case". How many times can they renew the court summons or attempt to collect?
Simon's answer
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Answered on January 08, 2014
In many states, the court will accept "substitute service" as proper service if the Defendant cannot be located in person. Personal service is not...
Archived
I need help from a lawyer to set things straight with the credit agency
Simon's answer
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Answered on January 08, 2014
The issue is that your information and your brothers information is probably being merged by the credit bureaus as a result of the similar...
Archived
Owe $22k on car loan, vehicle worth $10k needs $7,500 in repairs. Poor credit and amount upside down negates refinance.
Simon's answer
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Answered on January 08, 2014
Seek a consultation with a bankruptcy attorney that practices in your area. In a bankruptcy, you may be able to "redeem" the vehicle and...
Archived
Looking to see if I have any legal rights regarding unpaid hospital bills?
Simon's answer
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Answered on January 08, 2014
Demand validation from the debt collection agency and dispute the item with the credit bureaus. This will force them to verify the debt, or they...
Archived
If I pay a debt to an Original Creditor can they legally sell my account to a collection agency?
Simon's answer
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Answered on January 08, 2014
Do you have a settlement letter? Without a written letter or agreement, it can be hard to prove that the account was actually "settled". If you do...
Archived
I'm settling a debt with a second mortgage company, will an agreement in writing be enough to hold in count or settle?
Simon's answer
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Answered on January 08, 2014
A written agreement is generally binding upon the parties. It is important to understand the terms of the agreement before signing. Having an...
Archived
What can I do if my credit card company never served me, and there is a settlement conference hearing?
Simon's answer
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Answered on January 08, 2014
You should appear at the settlement conference. If there is a conference, then maybe judgment has not been entered against you yet. You can ask for...
Archived
I just found that have 20 months old judgment. How to negotiate with creditor to vacate and dismiss and make it "legally void"?
Simon's answer
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Answered on January 08, 2014
Call the court and ask them how you can file an order or motion to vacate the judgment. You would probably need valid grounds for vacature, such as...
Archived
Loan in default & was sent to collections.Collections wants to charge me 18.5% upon rehabilitation completion.What can I do?
Simon's answer
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Answered on January 07, 2014
Sounds like your dealing with a defaulted federal student loan. In my experience, it is common to capitalize collection fees of 18.5% upon...
Archived
If a Debt was discharged through Bankruptcy can another company purchase the discharged debt and try to collect?
Simon's answer
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Answered on January 07, 2014
My gut inclination is that world wide requisitions may not be a debt collection company, they may just be a scam. I believe I recently answered a...