Archived
Unpaid Credit Card fr 2010. BOTH Bank & Junk Debt Buyer reporting delinquent/collections to credit bureaus. Is this right?
Mark's answer
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Answered on November 05, 2014
If the debt has been sold the original creditor's tradeline may remain on your reports, but it must show a zero balance and "sold or transferred"....
Archived
This is a question that arises under the Fair Debtor Collection Practices Act. What are my options?
Mark's answer
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Answered on October 30, 2014
So you have timely validation on one part of the debt, but you know that your receipt of mail could have been spotty.
I would say that having...
Archived
If there is an outstanding judgment and the person who won the judgement died. Can the judgement be vacated?
Mark's answer
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Answered on October 30, 2014
Mr. Rothstein gave a great legal answer. An important practical gloss on that answer is that with the debt now in the hands of heirs, *feelings*...
Archived
Is it considered a LEGAL PROCEEDING if a business try to recover a balance from a buyer through debt collection agency? Thanks.
Mark's answer
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Answered on October 30, 2014
You need to take that agreement to an attorney to look it over. We can't tell you anything useful without knowing its terms.
Right now your...
Archived
Can they still file charges against me even after I paid them all the money I took?
Mark's answer
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Answered on October 30, 2014
From a legal perspective you did the crime so you can't unring that bell and you could still be prosecuted.
From a practical perspective, you...
Archived
Is it legal for collection agencies to call place of employment
Mark's answer
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Answered on October 30, 2014
You need to notify them in writing that it's inconvenient to take calls at work. If they call after that it's an FDCPA violation and you can make...
Archived
I am moving from florida to new jersey and need to know if my social security
and pension are protected from bank levy in NJ
Mark's answer
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Answered on October 30, 2014
Florida is actually a better state in terms of protection for debtors. It has on occasion been referred to as a "debtor's paradise" and while that...
What do I do if I am being sued in a state that I do not live in?
Mark's answer
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Answered on October 30, 2014
In addition to the excellent legal answers given so far, let me add a practical matter which has already been alluded to: service of process.
If...
Archived
Can GA have personal jurisdiction over me, a non-GA resident, via piercing corp veil of my corp, which does business in GA?
Mark's answer
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Answered on October 30, 2014
Those who have warned you that it IS possible have given excellent advice.
If the corporation has assets and/or insurance to handle the Georgia...
Archived
Can a debt collector threaten to put a debt back on my credit that was deleted?
Mark's answer
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Answered on October 28, 2014
Tradelines can be deleted due to failure of the collector or creditor to respond to a dispute in the proper time frame (typically 30 days).
If...
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