Archived
I was granted a lien on the ex's property, because he owed me money. Is it illegal for him to sell it, without my permission?
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Answered on September 16, 2014
It is probably not illegal for him to sell it without you being paid, however as a practical matter it may not be possible, since most buyers...
Archived
I am facing a mortgage deficiency judgement - what is the best way to settle with them prior to a deficiency bring granted?
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Answered on September 16, 2014
I disagree that the deficiency could be time-barred. The legislature shortened the time for claiming deficiency from five years to one year, with...
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Archived
What happens if a collection agency files suit but sends it to an incorrect address? Does it affect my time to respond?
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Answered on September 12, 2014
It may be proper to serve your parents if you still technically reside there (say you are still a college student and use your parents' home as a...
Archived
Can a debt collecting company put a record on my credit report without my social security?
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Answered on September 12, 2014
Typically credit reporting agencies require two out of three identifiers before they will place a tradeline on your reports: name, address and...
Archived
What could happen when a law office is threatening me regarding an old credit card debt?
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Answered on September 10, 2014
The voice on the other end of the phone could be from a very professional debt collection attorney's office that will sue you with every "i" dotted...
Archived
What is the Statute of Limitation on debts
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Answered on September 10, 2014
Determining the applicable statute of limitations involves answering a bunch of questions. Some of what may need to be determined: whether the...
Archived
Which state matters for credit card debt
Mark's answer
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Answered on September 10, 2014
While you can be sued in the state where the account was opened, it's best for the creditor to sue you in the new state.
The new state will...
Archived
Possibly being sued by a junk debt buyer. What should I do
Mark's answer
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Answered on September 05, 2014
If you haven't gotten mail from the collector, it's more likely a "Buffalo" style collection (good news: annoying but harmless) agency or junk debt...
Archived
What is the general process a creditor has to go through to seize a commingled bank that owned by non-debter spouse?
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Answered on September 03, 2014
In general, the creditor would need to institute supplementary proceedings and prove that there are funds in the account that belong to you. On a...
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Archived
Collection agency keeps calling looking for someone else.
Mark's answer
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Answered on September 03, 2014
The FDCPA, but also perhaps your state's collections and phone harassment laws, as well as perhaps the TCPA. You now have a valuable claim. See a...
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