Daniel Tam's Answers (1238)

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A judgement was entered against me for medical bills.

Daniel's answer | Answered on July 12, 2012

Even debts reduced to judgment are negotiable. But as for your credit score, I have to tell you that public record items such as judgments, tax...

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My Husband and I received threatening calls for a payday loan and they will not give me any inf. wait until court date??

Daniel's answer | Answered on July 12, 2012

Please read my guide provided here on Avvo on spotting a payday loan collection scam. It is very possible you maybe a victim of this ever growing...

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What rights do I have as consumer?

Daniel's answer | Answered on July 11, 2012

Review your contract carefully. You should also consider consulting with an attorney experienced with retail installment sales contracts.

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Can my father purchase a car and I pay payment legally?

Daniel's answer | Answered on July 11, 2012

Anyone can make the payment on your father's loan. Ultimately he is the one legally responsible for it. Before you consider taking up your dad on...

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Can a debt collector for a payday loan company turn a check in to the DA office as a hot check? The total debt was not paid.

Daniel's answer | Answered on July 11, 2012

You need to determine if this is a legitimate debt collection action. Please see my legal guide provided on Avvo regarding payday loan collection...

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I received an online payday loan 2 years ago. I have closed the account that I used after I thought I finished paying them.

Daniel's answer | Answered on July 11, 2012

You need to determine if this is a legitimate debt collection action. Please see my legal guide provided on Avvo regarding payday loan collection...

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Do i have to pay money back to a payday loan company if they cannot prove that i borrowed the money

Daniel's answer | Answered on July 11, 2012

You need to determine if this is a legitimate debt collection action. Please see my legal guide provided on Avvo regarding payday loan collection...

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Had a lawfirm call and threaten a judgement for unpaid payday loan. i paid agreed settlement. they called back said cant accept

Daniel's answer | Answered on July 11, 2012

Please review my legal guide on spotting payday loan collection scams. After doing so, please follow up with some more information. Thanks.

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What law specialty would address HELOC issues after a home foreclosure?

Daniel's answer | Answered on July 10, 2012

The HELOC is now an unsecured debt. Many foreclosure firms only offer representation with respect to the primary mortgage, but they do still have...

Archived

Do i need an attorney

Daniel's answer | Answered on July 10, 2012

You should consult with an attorney experienced in spot delivery scams, but your contract was likely subject to financing being approved, and the...

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