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Sent Debt Validation to Collection Agency. In 2 days it will be the 30-day deadline for them. What is the next best step?
Ian's answer
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Answered on March 17, 2010
The Validation Letter is a great first step. It will not, however, stop all future debt collection activity under the federal law (Fair Debt...
Archived
Can a trustee take a piece of property that is not mine but has my name on it?
Ian's answer
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Answered on March 08, 2010
You do have a few more potential defenses, although they are challenging, time consuming and potentailly expensive. As such, you need to evaluate...
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Plantiff Attorney fees for forclosure.
Ian's answer
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Answered on March 08, 2010
While agree with my esteemed colleague, there are times when a creditor or its attorney over-step their bounds and either seek monetary recovery...
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Filing bankruptcy (chapter 7) in FL, can I keep my tax refund....
Ian's answer
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Answered on March 08, 2010
You need to speak with your attorney's office immediately. If you are surrendering your home and you filed with your spouse (i.e., 'we') then...
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Does a charge off debt mean that it's a secured debt? Does a collection mean it's a secured debt?
Ian's answer
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Answered on March 08, 2010
Both answers above pretty much answer your question. I will add, however, that the likelihood of a "charged off" debt currently being a secured...
Archived
Can a debt collector take funds from your bank without notifieing you?
Ian's answer
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Answered on March 02, 2010
Your question requires a bit more information to answer it completely. First of all, as I am not licensed in CT, you should consult a licensed,...
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Collection notice from a reversed payment in 2006: Whose burden of proof?
Ian's answer
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Answered on February 24, 2010
Your question seems to focus on two issues: burden of proof to cllect the debt and burden of proof to report to the credit reporting agencies...
Archived
Are debt collection agencies allowed to ask questions concerning personal information? And if so, what and how?
Ian's answer
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Answered on February 24, 2010
Debt collectors are very creative in their methods and means of getting information from consumers. Generally speaking, if the collector is...
Archived
Paying hospital bill
Ian's answer
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Answered on February 08, 2010
Helen, the creditor can likely take you to court to try and get a judgment for the unpaid debt if you are in default on the obligation and fail to...
Archived
What effect does bankruptcy have on the foreclosure process
Ian's answer
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Answered on February 08, 2010
As a general rule, once a bankruptcy petition has been filed, the "automatic stay" of creditors pursuant to 11 U.S.C 362 will stop the...