Questions answered by Robert John Willis

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Am I responsible for the medical bills of my deceased husband?

Robert's answer | Answered on May 16, 2013

Ohio has a law called the “Necessities” law. It requires a spouse to pay for certain items, including medical bills, for a spouse. If there is not...

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I was told by Washington Recovery Services first call that I'm am being sued as "passing bad checks" in ohio on payday loan.

Robert's answer | Answered on April 30, 2013

A debt collector can tell you that they will bring a Civil case against you. However, it is a violation of the Fair Debt Collection Practices Act...

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What are my options when a credit bureau re-adds disputed info a year later after they stated in writing that it was removed?

Robert's answer | Answered on April 11, 2013

You may have a violation of the Fair Credit Reporting Act. However, I would first send one more letter to Experian advising them of the incorrect...

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Could I be sued for defaulting on a payday loan?.

Robert's answer | Answered on April 07, 2013

The Fair Debt Collection Practices Act (FDCPA) requires a debt collector (including attorneys) to send you a written notice within 5 days of their...

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Is it legal for a creditor to garnish two earners in the same household

Robert's answer | Answered on March 29, 2013

Before they can garnish your wages, they have to obtain a judgment. The Court will notify you that you are being sued, and you will have the...

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What can i do if the amount a creditor wants me to pay is more than i can afford & is threatening me with felony warrants?

Robert's answer | Answered on March 26, 2013

The treat of felony warrants is a huge tip that this is not a legitimate debt collector. (This is a civil matter, not a criminal matter). The...

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Disputed collection on credit report. equifax agreed & removed from report. company then sells debt and shows on credit report.

Robert's answer | Answered on March 24, 2013

You potentially have violations of both the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). If the collector...

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How come the debt i paid off did not show up in my credit report??

Robert's answer | Answered on March 24, 2013

It can take up to 60 days for an item to be removed from a credit report, or at least to show paid. Please understand that simply paying a debt...

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How do I pay off a judgement in full? Do I pay the creditor or the debt collection law firm?

Robert's answer | Answered on March 12, 2013

I suggest that you pay the law firm that took the judgment. There are more rules that govern the conduct of attorneys. Once the judgment is paid,...

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I am being sued by a collection agency and they have filled in a county that I don't live in, does this matter

Robert's answer | Answered on January 10, 2013

Michael is completely correct. I just wanted to add that most consumer attorneys will not charge you a fee up front. They will get paid by the...

Robert John Willis's Answers (53)

Am I responsible for the medical bills of my deceased husband?

I was told by Washington Recovery Services first call that I'm am being sued as "passing bad checks" in ohio on payday loan.

What are my options when a credit bureau re-adds disputed info a year later after they stated in writing that it was removed?

Could I be sued for defaulting on a payday loan?.

Is it legal for a creditor to garnish two earners in the same household

What can i do if the amount a creditor wants me to pay is more than i can afford & is threatening me with felony warrants?

Disputed collection on credit report. equifax agreed & removed from report. company then sells debt and shows on credit report.

How come the debt i paid off did not show up in my credit report??

How do I pay off a judgement in full? Do I pay the creditor or the debt collection law firm?

I am being sued by a collection agency and they have filled in a county that I don't live in, does this matter