Questions answered by Simon Goldenberg

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I was contacted by a collection agency by phone and by mail. I was a victim of identity theft. Should I request debt validation?

Simon's answer | Answered on July 29, 2013

Yes, dispute the account and demand validation of the debt. You should work on all fronts simultaneously. If capital one was already aware of the...

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I am being accused of fraudulently opening up a credit account. My mother in-law opened it and named me an authorized user.

Simon's answer | Answered on July 29, 2013

If you are being investigated for possible criminal activity, you should consult with a criminal defense attorney. You need to be careful before...

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Can you get a unlawful detainer removed from your credit report?

Simon's answer | Answered on July 29, 2013

If you believe the notation to be erroneous, dispute it with the credit bureau. Include an explanation as to why you feel it should be removed. The...

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When can a current landlord report to the credit bureaus?

Simon's answer | Answered on July 29, 2013

Dispute the information with the credit bureaus. If the information is false and causes you difficulty in obtaining credit or being approved for a...

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A creditor is reporting a $1200.00 debt as a 1,750,000,005.00 debt. Is this defemation as well as other legal remedies?

Simon's answer | Answered on July 29, 2013

Under FCRA, you would first have to dispute the item with the credit bureaus in order to put them on notice and give them the opportunity to...

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Is there a way to get my ex husbands bills ( medical, cell phone, credit card) off my credit report?

Simon's answer | Answered on July 29, 2013

First, you need to determine whether you are liable on these debts. Just because your ex-husband received the benefit of the services does not mean...

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Debt collector says they cannot set up any written agreement and balance needs to paid in full. Secured payments over the phone?

Simon's answer | Answered on July 29, 2013

Any collector that is insisting on a payment without sending documentation is suspicious. You should never commit to a settlement or make a payment...

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Can a bank charge me interest on a account that has been written off. Shows on my credit report as collections/chargeoff $4,182.

Simon's answer | Answered on July 29, 2013

You can always attempt to settle an unsecured debt, but it will require a dialogue with the collector. Your state laws and your cardholder...

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IN CHP. 7 WOULD YOU ADVISE YOUR CLIENT TO SIGN A REAL-ESTATE SETTLEMENT AGREEMENT, WHEN THE STIPULATION IS NOT IN THEIR FAVOR?

Simon's answer | Answered on July 29, 2013

I would never advise a client to execute a settlement agreement if I felt it was not in their benefit. I may think it's fair for a debtor to...

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Debt settlement

Simon's answer | Answered on July 29, 2013

Debt settlement is the process of negotiating the repayment of debt for less then the full balance. They can be structured in lump sum or...

Simon Goldenberg's Answers (944)

I was contacted by a collection agency by phone and by mail. I was a victim of identity theft. Should I request debt validation?

I am being accused of fraudulently opening up a credit account. My mother in-law opened it and named me an authorized user.

Can you get a unlawful detainer removed from your credit report?

When can a current landlord report to the credit bureaus?

A creditor is reporting a $1200.00 debt as a 1,750,000,005.00 debt. Is this defemation as well as other legal remedies?

Is there a way to get my ex husbands bills ( medical, cell phone, credit card) off my credit report?

Debt collector says they cannot set up any written agreement and balance needs to paid in full. Secured payments over the phone?

Can a bank charge me interest on a account that has been written off. Shows on my credit report as collections/chargeoff $4,182.

IN CHP. 7 WOULD YOU ADVISE YOUR CLIENT TO SIGN A REAL-ESTATE SETTLEMENT AGREEMENT, WHEN THE STIPULATION IS NOT IN THEIR FAVOR?

Debt settlement