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Ronald C. Sykstus
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Ronald Sykstus’s Answers

260 total


  • Can a debt collector win a lawsuit without having a signed contract and all statements from a credit card account?

    The attorney has account statements from 2012 and 2013 only on a 2009 account. There is no signed agreement and nothing showing where they came up with the total they are suing for. They are trying to get me to settle but I believe this debt was p...

    Ronald’s Answer

    It is our opinion that you should do everything in your power to avoid a judgment. These blog posts will give you some general guidance. Best wishes.
    http://www.bondnbotes.com/2013/08/05/sued-by-a-debt-collector/
    http://www.bondnbotes.com/2013/02/21/what-is-a-judicial-lien/http://www.bondnbotes.com/2013/04/15/stop-debt-collector-from-harassing-me/http://www.bondnbotes.com/2012/12/03/fair-debt-collection-practices-act-fdcpa/

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  • Active duty military stationed overseas seeking bankruptcy.

    I'm in the Navy, stationed in Japan. My home if record is Alabama. I would like to file bankruptcy. The JAG recommended me to file pro se, but speaking to others I am looking for an attorney. I was told the biggest hurdle would be the meeting of c...

    Ronald’s Answer

    As a veteran, I know how tough it can be when you are trying to do work back in your home of record. Please feel free to contact us to see if we can help you. We have handled these types of situations in the past. www.bondandbotes.com Best wishes.

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  • How can I tell if bankruptcy is the best option for me?

    I have approximately 5000 in credit card debt and medical bills. I don't own a home and work full time.

    Ronald’s Answer

    Every situation is different. Most lawyers who practice in this area offer a free consultation. Why don't you locate a lawyer near you to discuss your situation and options? You can find one at www.nacba.org Best wishes.

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  • What do i tell debt collector (credit card) to stop legal civil court action. with my inability to pay.I am on total disability.

    Was working with debt elimination (yes totally messed up), they got and transferred funds including their cut and i was told not to pay ,they would handle.Shortly after I became disabled. i then received summons for civil court. tried to make o...

    Ronald’s Answer

    You should get a consumer lawyer to assist you. You can locate one at www.consumeradvocates.org The blog posts below will give you some general guidance. Best wishes.
    http://www.bondnbotes.com/2013/08/05/sued-by-a-debt-collector/
    http://www.bondnbotes.com/2013/02/21/what-is-a-judicial-lien/

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  • Can I sue for fraud on a notification of garnishment of wages that's false

    I received a notice from the sheriff department about a notification for garnish wages talked to the place that said I owed money to, and I've been a member of for 18 years. And they stated that I owe nothing to them that it was fraud, called th...

    Ronald’s Answer

    You should contact a consumer lawyer to help you. You can find one at www.consumeradvocates.org Best wishes.

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  • How do I get a judgement removed from my credit report that has already been served and paid off ?

    I recently checked my credit report and found a judgement against me for over $8000.00 in 2012 my check was garnished and was paid off .However it still showing up.It's no wonder I can't get approved for a personal loan.Can that not be removed ?

    Ronald’s Answer

    This blog post should explain the entire FCRA process to you. Best wishes.
    http://www.bondnbotes.com/2016/03/25/properly-fix-credit-report-error/

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  • Can I file bankruptcy if I've got a debt relief program?

    I applied with Clear One for Debt Relief but I feel as though I'm still gonna have to file for Bankruptcy. Is that possible?

    Ronald’s Answer

    Using a debt management plan will not make you ineligible for a bankruptcy filing. These blog posts will give you some general guidance. Best wishes.

    http://www.bondnbotes.com/2014/04/30/debt-settlement-or-bankruptcy/
    http://www.bondnbotes.com/questions-about-bankruptcy/debt-settlement-vs-bankruptcy/
    http://www.bondnbotes.com/bankruptcy-overview/alternatives-to-bankruptcy/
    http://www.bondnbotes.com/2012/12/19/is-a-debt-settlement-program-better-than-filing-for-bankruptcy/

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  • Does a Ch. 7 bankruptcy wipe everything off my credit report ( negative info, delinquencies, open/closed accounts, etc.)?

    I filed Ch. 7 and I'm expecting to be discharged in the next few weeks but upon checking my credit report their are alot of things on there that I thought would be removed.

    Ronald’s Answer

    This blog post will explain to you the entire process about how you can go about fixing your credit reports AFTER a bankruptcy filing. http://www.bondnbotes.com/2015/12/28/fix-credit-report-after-bankruptcy/
    Best wishes.

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  • Proving sleep apnea as a service connected disability from hypertension documentation service connected?

    I was in the service and I was treated for hyper tension while I was in service. I never had hyper tension prior to my service and was in good physical health and weight. I now take BP to control my hypertension but still high 146/95. I also went ...

    Ronald’s Answer

    Try to get "buddy statement" from fellow service members who couldn't sleep because of your snoring. I have had a number of cases where buddy statements regarding sleep apnea allowed the VA to grant service connection. This blog post should give you information about how to achieve your goal. http://www.bondnbotes.com/2015/05/11/improving-denied-va-assistance-claim/
    Best wishes.

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  • I want to pay off my loan on my house !!! do i have to also pay off a lien on the house by another company back in 2008

    i want to pay my mortgage off ( my ex husband is paying it off for me ) but do i have to pay off a lien on my home back in 2008 i am on a low income i don't want to sell my home, I would appreicate your input on this matter ...

    Ronald’s Answer

    This blog post will explain judgment lien law in Alabama to you.
    http://www.bondnbotes.com/2013/02/21/what-is-a-judicial-lien/
    Best wishes.

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