Questions answered by Alexander Jerome Douglas

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What should be done when debt collection company sends back account to HRA NY

Alexander's answer | Answered on December 30, 2016

I recommend that she contact HRA NYC directly to resolve the debt, as the debt collector appears to have closed the file. I also recommend you...

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I live in NY. If I file for bankruptcy, will this also include my student loans? (private and government)

Alexander's answer | Answered on December 28, 2016

Student loans are virtually impossible to discharge in bankruptcy. Your best option is trying to work out a repayment plan. If they sue you, I...

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How do I get Capital One to explain to me why my account was charged off with no explanation and no notification

Alexander's answer | Answered on December 16, 2016

I recommend that you find a local attorney who is familiar with Fair Credit Reporting Act (FCRA) issues. You might also want to look for a general...

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NYC SOL on money judgements clarification.

Alexander's answer | Answered on December 12, 2016

You only have to renew a judgment for a lien. Otherwise, a judgment rendered in NY court is valid and enforceable nationwide for 20 years. I don't...

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Canceling gym membership in NY due to distance/college.

Alexander's answer | Answered on December 12, 2016

Your son's obligations are probably determined by the content of the contract that he originally signed with the gym. I suggest looking at that...

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I have a default judgement that's been 10 years in NYC. Is it unenforceable in court?

Alexander's answer | Answered on December 12, 2016

Judgments are enforceable for 20 years in NY state.

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A debt called my nephew looking for me he said they left a message on his home phone saying they are going too take legal action

Alexander's answer | Answered on December 12, 2016

I recommend that you contact a local attorney who is familiar with Fair Debt Collection Practices Act (FDCPA) matters. Good luck.

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What can I do about a defaulted private student loan that is in collections?

Alexander's answer | Answered on December 10, 2016

Student loans are practically impossible to discharge in bankruptcy. I recommend that you contact a Fair Debt Collection Practices Act (FDCPA)...

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Can I sue the loan company that repossed my car for calling my jobs office 3 times topaymeng payment. Threatened to be fired

Alexander's answer | Answered on November 23, 2016

As we discussed on the phone, I don't think FDCPA is available because you're dealing with your creditor. You should seek a personal injury...

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How can my wages be garnished if I received no notification?

Alexander's answer | Answered on November 23, 2016

I HIGHLY recommend that you contact a local attorney who is familiar with the Fair Debt Collection Practices Act (FDCPA). He or she can advise you...

Alexander Jerome Douglas's Answers (339)

What should be done when debt collection company sends back account to HRA NY

I live in NY. If I file for bankruptcy, will this also include my student loans? (private and government)

How do I get Capital One to explain to me why my account was charged off with no explanation and no notification

NYC SOL on money judgements clarification.

Canceling gym membership in NY due to distance/college.

I have a default judgement that's been 10 years in NYC. Is it unenforceable in court?

A debt called my nephew looking for me he said they left a message on his home phone saying they are going too take legal action

What can I do about a defaulted private student loan that is in collections?

Can I sue the loan company that repossed my car for calling my jobs office 3 times topaymeng payment. Threatened to be fired

How can my wages be garnished if I received no notification?