Hi. I've got three PAID and OLD NY state tax liens on my Trans Union report that the credit bureau refuses to remove even though they are older than 5 years. TU says they have 7 years to remove them. The other credit bureaus removed the items from...
Unfortunately, you have to sue them. Trans Union has taken that position forever. Only way to get their attention on this issue is a summonds. Not right, so talk to someone who has sued them before.See question
Hi.. i have a charged off account of $2.000 from a credit card company.. i was unemployed for 2 years and i do not have any bank account.. however, i will open it one next week because i am starting a new job.. my question is, can credit card comp...
As mr Edelman has said, they have to have a judgment before they can take anything from you. I would not be afraid to open your account. Wait til you are working and have some cash before trying to resolve this. If you are getting calls and letters, deny the debt as you prepare.See question
It has been 4 years I am getting garnish
Get a copy of the court file then see a consumer lawyer to advise you if you can attack the judgment.See question
Student loans are already garnishing my wages, now I got certified letter from the local sheriff office in upstate NY about a garnishment from Bank of America. Can both happen at the same time?
Unlikely, but if you have an old judgment upstate you might want to contest it. Get a copy of the court file and engage a consumer lawyer to help.See question
My charged off account recently got bought by a debt buyer, Vilocity Investments. The charged off amount is 22,500. Are you familiar with them? Are they aggressive? Will they settle for less? Thank you for your input.
Velocity has been around for awhile. How well you can do depends on several factors, including the age of this debt and what documentation Velocity may have. But most importantly, do you have some lethal defenses to leverage a settlement both sides can live with. Since your circumstances are unique, including the ability of the plaintiff's lawyer and your courts, I would see a consumer attorney in your area.See question
The account has been sold 4 or 5 times and the this last buyer is suing me. I have asked for validation and discovery/production back and forth. Now, they filed a motion for summary judgement. They provided a bill of sale that did not provide an a...
You'd file a cross motion for summary judgment. HOwever, there may be more holes in their case than you suspect. And you want to be able to articulate legally why they are wrong. I would definitely see a consumer lawyer at t his point who can help you defend or leverage the other side's weaknesses into a settlemnentSee question
A default judgement was entered against me for a few thousand dollars in favor of the claimant. After speaking with the claimant, she voluntarily agreed that I don't have to repay her back the money. Can the judgement be vacated with the court if ...
Yes. You and the plaintiff can sign a stipulation vacating the judgment. It would be addressed to the original court ( I assume Kingston City Court) and filed, if need be, with the County Clerk's Office as well. There may be a form at the OCA website. A lawyer can draft one for a modest fee.See question
I have a 4 year medical bill that is not showing on my credit report but Im getting collection letters. I wrote the collection company a letter asking them to settle and not report it on my credit report. Then I checked my credit report and realiz...
Whether you should pay this old bill now depends on the statute of limitations for your state. Talk to a local consumer lawyer who can give you practical advice about your risksSee question
When we agreed to Separate, we did so with the understanding that I would assume some of the debts and continue living in the rented house we shared. Now that we are in the process of filing for divorce, She is requesting that I pay the majority o...
Did you sign a separation agreement? If so, she can't ask you to do more than the two of you agreed to.See question
I am a single mother and have been out of work for a year. I am trying to recover and support my child...and it will be very hard or almost impossible to pay that debt on those terms. Please let me know what I can do.
there are some good consumer lawyers in NYC who can put in an answer and defend you from this claim. Part of their service will be to buy you some time, and also see if they can negotiate a better outcome for you. Do see someone today.See question