Archived
Northland Grp asking me personally to pay Citibank Biz credit card for >2x original amount of $40k ... what do I do?
Joseph's answer
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Answered on June 07, 2013
Generally, when a person is alleged to owe a business debt, few protections, if any, apply to debt collection attempts. If one believes that an...
Archived
Can a debt collector apply a payment towards a different debt?
Joseph's answer
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Answered on June 07, 2013
Generally, the Fair Debt Collection Practices Act (FDCPA), permits an alleged debtor to apply any payment to any debt of the debtor's choosing. A...
Archived
I entered a contract with a good friend for his business.
Joseph's answer
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Answered on June 04, 2013
Generally, when a person buys a business, she buys the whole business - assets and liabilities. When the business itself is liable for debts,...
Archived
Account was just levied for 10,000 but not frozen. I was never served in NJ. This levy applied yesterday..
Joseph's answer
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Answered on June 04, 2013
Generally an account is "frozen" in response to a court-ordered Writ of Execution/Levy. A person with a frozen account in NJ can exempt $1000 by...
Archived
My brother has been signing my name to credit cards for over a year. How can I prove fraud?
Joseph's answer
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Answered on June 03, 2013
Generally, an authorized signer (user) of a credit account is not liable for the debt. If an authorized signer (user) wishes to terminate her...
Archived
I am going to write a motion to vacate default judgement where can I get a format to follow.
Do I need a lawyer to do this ?
Joseph's answer
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Answered on June 03, 2013
Generally, New Jersey requires that service be proper and that a defendant have a fair opportunity to respond to a lawsuit. When service is...
Archived
Can a company take money from my account without my say so?
Joseph's answer
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Answered on June 03, 2013
Generally, a consumer who believes she did not authorize a credit card transaction should immediately initiate the Fair Credit Billing Act (FCBA)...
Archived
Can a merchant advertise, state and sell a camera for hundreds of dollars more than what it is worth in New York City?.
Joseph's answer
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Answered on June 03, 2013
Generally, a consumer who believes she did not get what she bargained for in a credit card transactions should immediately initiate the Fair Credit...
Archived
My children receive ssi for autism. I recently won my ssi HEARING. Will their amount change once I start receiving?
Joseph's answer
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Answered on June 03, 2013
SSA will advise you precisely what you will receive as a result of child SSI benefits. Contact it for further information.
Archived
Do I have to reveal bank and other financial information in discovery to a lawyer for the defendant in an adversary proceeding?
Joseph's answer
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Answered on May 31, 2013
Generally, if someone is involved in an adversary action, in a bankruptcy, served with discovery, with privacy threatened, thinks there's some...
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