Archived
Am i responsible for wifes car payments if i didn't sign loan paper work and not living with her for over a year?
Robert's answer
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Answered on December 09, 2012
If you did not sign any paperwork for the car, they cannot hold you responsible. In fact, they may be violating some consumer laws if they are...
Archived
How can we get debt that has been paid, off of our credit report? Do we need an attorney to write a letter?
Robert's answer
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Answered on September 29, 2012
You have 2 different issues here. If you paid the debts, they must be reported with a zero balance. This can take up to 90 days to reflect on your...
Archived
Am I required to take part in a phone deposition?
Robert's answer
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Answered on September 14, 2012
This definitely sounds like a debt collector violating the FDCPA. If there were legitimate collection efforts on the judgment you reference, it...
Archived
Can people who reposess car and sell it still charge you interest for years after? and garnish wages?
Robert's answer
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Answered on August 21, 2012
Your next move depends on a number of factors. First, is it the original creditor or a debt collector that is trying to collect from you? Demand an...
Archived
Errors and admissisios insurance for sole proprietor credit repair company...
Robert's answer
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Answered on August 21, 2012
I am not sure if CA law requires you to have E&O insurance, but it is a good idea. As a sole proprietor, all of your personal assets are at risk....
Archived
Can a garishment against me take my house if i own it and have no other property or income.
Robert's answer
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Answered on August 12, 2012
Actually, in Ohio, they would have to get a judgment lien in place first. (It sounds like they already have the judgment.) Then, they would have to...
Archived
How to prepare my written answer- Summon by debt collector
Robert's answer
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Answered on August 09, 2012
Most courts will take a simple letter responding to the Complaint as an Answer from a pro se defendant. However, you may want to check with a...
Archived
If you have credit card debt in the state of ohio that is just in your name and you pass away is your spouse required to pay?
Robert's answer
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Answered on August 06, 2012
Also be aware that Ohio has a "necessities" statute. A spouse is responsible for the necessities (food, clothing, shelter, medical treatment) of...
Archived
My ex has a credit card with my name on it. I can't get the company to take my name off of it without her approval.
Robert's answer
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Answered on July 29, 2012
Send a letter, via certified mail, to the credit card company asking that your name either be removed or that they close the account. Also, tell...
Archived
I am getting a collection notice from a different bank on a loan that is showing a $0 balance on my credit reports.
Robert's answer
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Answered on July 10, 2012
Have them send you documents supporting their claim. You may also need to look at the sheriff sale records to see if any of the 2nd mortgage was...
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