Questions answered by Anthony J. Pietrafesa

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Is a 30-late on my credit file correctable if it was caused by a medical incapacity?

Anthony's answer | Answered on August 24, 2011

I agree with the other posters. Hoever, you could, I guess , try suing the parties in your small claims court. Sometimes they will bend rather than...

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Can someone from NY answer this question please. its about the New York fair credit act.

Anthony's answer | Answered on August 24, 2011

Since you live in NY, I would invoke the NY statute in your favor. Is it showing as a paid judgmenet or just a judgment? If the latter, you need...

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Is it possible to allow your credit card debt on only one card go to collections and settle out for a lump sum payment?

Anthony's answer | Answered on August 24, 2011

It will depend on who the card issuer is. But if you decide to let it go to leverage a settlement, figure on doing so for 3 months before they are...

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My husband maxed out all of our credit cards & my own personal credit cards while I was in the hospital.

Anthony's answer | Answered on August 24, 2011

I practice in divorce, debt settlement and bankruptcy and it sounds like you have a mess! I would get the statements for your private cards and...

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Received a summons to answer for unpaid credit line from a collection agency. Have until Aug. 31st to respond.

Anthony's answer | Answered on August 24, 2011

I wouldn't default. Answer the complaint, but do so with an attorney so your bases are covered. Answwering the complait will buy you time, in some...

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I've been offered a settlement from 1st mortg Chase($110,000 for$16,500)I also have a 2nd for $8000 i have less than 30 days

Anthony's answer | Answered on August 24, 2011

Are you dealing with Chase or a debt collector? You will want to get the settlement in writing, and it should cover, as the other posters have...

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I am refinancing and my credit card is has been charged $865.00 without my authorization, is that legal?

Anthony's answer | Answered on November 19, 2010

Under the Fair Credit Billing Act, you have 60 days to dispute this bill. Grab a copy of your montjly crdit card statement and look for the address...

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What type of attorney should I seek to help negotiate with creditors?

Anthony's answer | Answered on November 19, 2010

While it is true any good negotiator can be your mouthpiece, it does help to have one who understands the credit and collection industries. Try a...

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ER doctor bills

Anthony's answer | Answered on January 04, 2009

Hae you tried to qualify for Medicaid or your state's low income health insurance program? What is crazy is not having some type of coverage when...

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Debt collection/litigation

Anthony's answer | Answered on January 04, 2009

Collection agencies do not have to honor any offer you make. I would get a lawyer to help you, especially under the circumstances you describe. I...

Anthony J. Pietrafesa's Answers (1140)

Is a 30-late on my credit file correctable if it was caused by a medical incapacity?

Can someone from NY answer this question please. its about the New York fair credit act.

Is it possible to allow your credit card debt on only one card go to collections and settle out for a lump sum payment?

My husband maxed out all of our credit cards & my own personal credit cards while I was in the hospital.

Received a summons to answer for unpaid credit line from a collection agency. Have until Aug. 31st to respond.

I've been offered a settlement from 1st mortg Chase($110,000 for$16,500)I also have a 2nd for $8000 i have less than 30 days

I am refinancing and my credit card is has been charged $865.00 without my authorization, is that legal?

What type of attorney should I seek to help negotiate with creditors?

ER doctor bills

Debt collection/litigation