Questions answered by Penny Hays Cauley

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Just asking. I found our my baby daddy put a car in my son's name...what can I do

Penny's answer | Answered on July 24, 2016

You definitely need to file a police report on the identity theft. if your son is under 18, you may have a difficult time obtaining a credit...

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What can I do about a collector coming to my job repeatedly?

Penny's answer | Answered on July 15, 2016

You should definitely send a letter demanding they stop calling and visiting your job. You should also file a complaint with the SC Department of...

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How do I stop them from reviving the loan? How to get it off my credit?

Penny's answer | Answered on July 11, 2016

If the original debt was satisfied for less than the full balance owed, the remaining amount cannot be collected for a new party. If the debt was...

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Multiple Debt Collection calls in South Carolina

Penny's answer | Answered on February 11, 2016

There are state and federal laws that protect individuals from harassing debt collectors. Your friend should contact an attorney directly for...

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What do I need to do about identy theft and how do I get these people off my back?

Penny's answer | Answered on February 02, 2016

You need to file a police report immediately. Be sure to list all 7 of the companies you are aware of. Also provide the email address and...

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This has to be a HIPPA violation. I have gotten nowhere with the police (who StubHub will only give info to)? What do I do?

Penny's answer | Answered on February 01, 2016

Have you notified your bank of the unauthorized charge? Upon notice to the bank of the unauthorized charge, the bank is required to return the...

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What do I do, it says I have 30 days to answer the complaint in the action. Should I file for bankruptcy? will I have to repay?

Penny's answer | Answered on January 20, 2016

I would not recommend filing a bankruptcy unless you have more than the $20k in debt. Bankruptcy stays on your credit reports for 10 years. You...

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What legal action can l use against them for accessing my account without permission?

Penny's answer | Answered on January 13, 2016

There are specific requirements for a company to electronically withdraw money from your checking account. If you did not give them permission and...

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What can I do to protect myself and how can I find other accounts that may have been opened? Is it considered forgery?

Penny's answer | Answered on December 03, 2015

You should immediately request copies of your credit reports so that you can determine how many accounts have been opened in your name and with...

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Summons for hospital debt collection.

Penny's answer | Answered on September 21, 2015

You should contact South Carolina Legal Services because they may be able to represent you for free. They can help you file an Answer. They may...

Penny Hays Cauley's Answers (251)

Just asking. I found our my baby daddy put a car in my son's name...what can I do

What can I do about a collector coming to my job repeatedly?

How do I stop them from reviving the loan? How to get it off my credit?

Multiple Debt Collection calls in South Carolina

What do I need to do about identy theft and how do I get these people off my back?

This has to be a HIPPA violation. I have gotten nowhere with the police (who StubHub will only give info to)? What do I do?

What do I do, it says I have 30 days to answer the complaint in the action. Should I file for bankruptcy? will I have to repay?

What legal action can l use against them for accessing my account without permission?

What can I do to protect myself and how can I find other accounts that may have been opened? Is it considered forgery?

Summons for hospital debt collection.