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Lawrence S. Rubin
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Lawrence Rubin’s Answers

1,295 total


  • What/how can I find out bout all these payday loans they charging me for ?

    Since the beginning of the year all these debt management companies have been sending me these legal notices ex..collections.acs.dept@gmail.com acsdebtmanagerincorps@gmail.com I just got This one on Saturday saying I owe another $995 doesn'...

    Lawrence’s Answer

    Do not respond to the emails. I tell clients a sure way to know if they are being scammed is if you receive offers or demands for money from strange sources by email. No legitimate creditor would send you email demands and especially NOT from Gmail. Gmail accounts are easy to set up and require no verification. I could set one up in 3 minutes and begin sending you demands for money except for one small thing-I am not a criminal. These people are. Forward the emails to the abuse people at Gmail and to the proper state and federal authorities.

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  • Do I have to return my fiance's car to his sister or mother? (Hes currently incarcerated since April he left it to me!)

    My fiance was incarcerated April 11th and since then he has left his car to me. Just yesterday his sister texts me and ask me to return it to her mother's house. Now her bother, my fiance gave and left the car to me. Even before he got put away.. ...

    Lawrence’s Answer

    I agree with Mr. Artim, but I would just add that you should get your fiance to sign the title over to you.

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  • Was shopping at walmart cashed out and thought grabbed everything in cart and wasn't of course pulled me at door.

    needless to say two items sitting in basket under purse ad just forgot they were there. pulled movie out as was in basket and could see it. Still looks like theft. I am 52 years old and no pryor records of anything. Said i would get letter in ...

    Lawrence’s Answer

    Do three things:
    1. Stop posting about this online. Do not even reply to this message. Discuss this case only with your immediate family and no one else. Do not speak with the police or Walmart.
    2. Stop shopping at Walmart.
    3. Find a criminal lawyer immediately (this week).
    Good luck.

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  • How can they report to my credit when there is nothing I can do about it. How can this be legal?

    I have a permanent disability. I have Dpt of Education Student loan and in default. No other income or assets. They know this.

    Lawrence’s Answer

    Regarding the reporting, alone, there is no exemption on credit reports for disability. Defaults are reported as defaults. Now, regarding your obligation, it may be possible (may, not will) to discharge the student loan in a bankruptcy. This depends on a number of factors and your disability is one of them. Speak to a local bankruptcy attorney to get the details. You have not posted enough information online to know what the odds of a discharge are.

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  • I am being accuse of opening a payday loan in my ex father in law name

    I am being accuse of opening a payday loan in my ex father in law name due to they have an work email address from a company I have not worked for in 2 yrs I was fired in July 2008 also left my ex in 2008 and this supposed loan was taken out in ...

    Lawrence’s Answer

    If you hear the words, "Payday loan" you should immediately think scam. This is one of those. Even if money was borrowed, the statute is only 4 years. No one is a criminal here except the company (or individual thugs) attempting to extort money from you. Do not pay them a dime. This is a con.

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  • If a creditor sells my debt am I still bound by the same contract as with the first owner of my debt?

    I had a credit card with Coldwater Creek thru Chase bank. I had a written agreement to pay $157 each month with 6.25% interest. The account has been closed for 3.5 years. Chase sold my debt to Comenity Bank. I have no written or verbal agreement w...

    Lawrence’s Answer

    The contract stays the same as you had with the original creditor. Selling it does not change it. On the other hand, if you have not made a payment for 3 1/2 years, wait about 6 months and it will be unenforceable in PA as past the statute.

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  • How to get a lein release from bank

    chapt.13 discharged recently. bank won't release lein from title saying money still owed. told bank to come get the car.this was several months ago. bank notified again to get car, said was not worth the effort.

    Lawrence’s Answer

    You can't. The lien remains on the car until paid. You can ask them to do it, but the bank does not have an obligation. You could ask the Common Pleas Court for help, but that is probably not worth the effort. I am sue there is a legal way to do that, but it would mean hiring a lawyer and filing papers - again, not worth it. Just use the car until it breaks down or junk it.

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  • The rules about proof of service in Pennsylvania

    My deadline of filing Notice of Appeal is Jun 27 2016. I am going to serve my Notice of Appeal by first class mail for my civil case. I was just told that "The date of mailing is important, as mailed documents are not considered to have been s...

    Lawrence’s Answer

    You have not stated what you are appealing: a DJ judgment or a CP judgment or final order. If it is a DJ court, then the appeal must be served by certified mail on the appellee and upon the court by certified mail, return receipt requested, not first class. It is the mailing date that counts. Make sure you file the proof of service and rule (if you are the defendant) within 10 days or your case can be dismissed. You have one chance to get this right. If you are representing yourself, you are probably doing this wrong. If the case is worth anything to you, get an attorney to at least look at it. If it is a nonsense case, it may not matter much in the long run if you get it dismissed.

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  • Can my car loan company and/or the dealership change my payment due date?

    Purchased a vehicle in 5/2015. Payment due date has always been on the 29th of each month. There has never been a late payment except for the payment due on 6/29/2016. This payment was made a few days later on 7/1/2016. A representative called me ...

    Lawrence’s Answer

    For the answer to that question, I would need to read your loan documents. No lawyer can advise you what parties to a contract can or cannot do without knowing what the contract says.

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