Questions answered by Carl Edward McPhail Jr.

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Can I be sued by a third party collection agency for a debt that is more than 15 years old.

Carl's answer | Answered on August 10, 2016

This seems like a scam. As far as collecting on a debt that is 15 years old I have a couple of thoughts. 1. If you have made a payment to this...

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How much does it cost to file bankruptcy?

Carl's answer | Answered on February 03, 2016

The filing fee for a chapter 7 bankruptcy is 335.00 you are also required to take debtor education classes. These classes usually cost between...

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Can anyone file chapter 7 bankruptcy?

Carl's answer | Answered on August 13, 2015

The short answer to your question is "no, just anyone cannot file a chapter 7 bankruptcy". There are many factors in deciding whether or not a...

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Do I need a lawyer?

Carl's answer | Answered on August 04, 2015

Yes, you need a lawyer, many attorneys give free consultations, use Avvo to locate a local attorney with experience in this area of law.

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Need a criminal defense attorney who would be willing to work out a payment plan inOrlando Florida

Carl's answer | Answered on July 30, 2015

It is unfortunate that your boyfriend has been arrested, many attorneys have payment plans to make their fees more affordable for the clients. You...

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Do i need a criminal laywer

Carl's answer | Answered on July 30, 2015

The letter you received was a demand letter, a demand letter is a prerequisite to filing a lawsuit. You have three options,: 1. Wait and See-...

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Being sued by Directv for $10,000 due to not having business account in our Restaurant. Would this stand up in court?

Carl's answer | Answered on July 29, 2015

My barbershop had a similar incident: a representative from DIRECTV came in, took pictures and threatened to file suit if the owner did not pay...

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I can't afford to pay my credit cards anymore. I haven't paid them in 3 months. What should I do?

Carl's answer | Answered on July 29, 2015

You should contact an attorney to have a discussion about your options, a bankruptcy could be the answer to your problems but it also may not solve...

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I have a collection agency continues to call me at work and the tens me that they are going to sent me to court

Carl's answer | Answered on July 28, 2015

If this is a scam you will have to endure this torture until the scammer decides to move on to the next potential victim. However, if this is a...

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I was sued by debt collector and need to appeal

Carl's answer | Answered on July 28, 2015

You may not need to appeal. It seems as though you may not have been given proper notice of the lawsuit (proper service). You may want to check...

Carl Edward McPhail Jr.'s Answers (20)

Can I be sued by a third party collection agency for a debt that is more than 15 years old.

How much does it cost to file bankruptcy?

Can anyone file chapter 7 bankruptcy?

Do I need a lawyer?

Need a criminal defense attorney who would be willing to work out a payment plan inOrlando Florida

Do i need a criminal laywer

Being sued by Directv for $10,000 due to not having business account in our Restaurant. Would this stand up in court?

I can't afford to pay my credit cards anymore. I haven't paid them in 3 months. What should I do?

I have a collection agency continues to call me at work and the tens me that they are going to sent me to court

I was sued by debt collector and need to appeal