Questions answered by Thomas Ray Breeden

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My wife and I are trying to buy a house. On both our credit reports we have school loans (student loans) that are in collectioni

Thomas's answer | Answered on October 07, 2013

If they are federally funded student loans, you may be able to take advantage of a "rehabilitation" of your defaulted student loan. Under a...

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Bank Foreclosed on my house by mistake.After 3years of payments.House still shows Foreclosed even credit doesn't show payments

Thomas's answer | Answered on August 12, 2013

There are several things that you need to do, all of which will require hiring an attorney knowledgeable in this field. First, you need to file an...

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If a credit card was opened in my name by an ex and he is ordered to pay it in the decree am I still responsible for it?

Thomas's answer | Answered on August 07, 2013

This is a classic case of identity theft. Most identity theft is committed by someone you know, not a stranger. If you did not agree to open the...

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Does a ed loan have a right to just put on credit reports without notifing the co-signer?

Thomas's answer | Answered on May 23, 2013

They can post the past due payments to your credit report. However, there is a way for you to legally get them removed. For student loans, you...

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How do I handle a collection reported to Experian, where I wasn't contacted, and I believe the debt isn't mine?

Thomas's answer | Answered on May 09, 2013

What you described could be either identity theft, or a mismerge of credit reports by the credit bureaus. Either way, you need to get a copy of...

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I am being sued for breach of contract,but no contact is supplied by plaintiff. Court in Virginia

Thomas's answer | Answered on April 15, 2013

It depends on whether you acknowledge you in fact had a contract with the credit card company - if it is your account, then they likely will not...

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Received a letter from debt collector, your wages or bank account may be garnished if judgement against you, what to do?

Thomas's answer | Answered on April 08, 2013

If you owe this debt, then it can still appear on your credit report until Aug 2013 (7 years from the 1st major delinquency). It is not uncommon...

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Can the same collection account go through many different collection agencies and have them all post on my credit report?

Thomas's answer | Answered on April 08, 2013

The other answers seem to assume that you agree the debt is valid. I do not see you acknowledging that. If the debt is in fact valid, their...

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Can I deny a claim in a civil complaint if I can not remember the answer even if the claim made by the plaintiff must be true?

Thomas's answer | Answered on April 05, 2013

You say that the claim must be true - why? Merely because the collection agency for the credit card company says so? If you do not recall...

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My wife and I recieved a summons concerning a hospital debt of $722.00 started by a collection agency.What can we do?

Thomas's answer | Answered on April 04, 2013

It depends on whether you believe you owe the debt or not. If you do not owe the debt, you should contest it both with the collection agency and...

Thomas Ray Breeden's Answers (94)

My wife and I are trying to buy a house. On both our credit reports we have school loans (student loans) that are in collectioni

Bank Foreclosed on my house by mistake.After 3years of payments.House still shows Foreclosed even credit doesn't show payments

If a credit card was opened in my name by an ex and he is ordered to pay it in the decree am I still responsible for it?

Does a ed loan have a right to just put on credit reports without notifing the co-signer?

How do I handle a collection reported to Experian, where I wasn't contacted, and I believe the debt isn't mine?

I am being sued for breach of contract,but no contact is supplied by plaintiff. Court in Virginia

Received a letter from debt collector, your wages or bank account may be garnished if judgement against you, what to do?

Can the same collection account go through many different collection agencies and have them all post on my credit report?

Can I deny a claim in a civil complaint if I can not remember the answer even if the claim made by the plaintiff must be true?

My wife and I recieved a summons concerning a hospital debt of $722.00 started by a collection agency.What can we do?