Questions answered by Scott W Paris

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How can my son prove that a cash deposit made in our joint account was his money since the account has been seized by my credito

Scott's answer | Answered on September 18, 2009

To follow up on your question...his testimony may be enough. Any evidence at all beyond that will help. Good luck.

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How can my son prove that a cash deposit made in our joint account was his money since the account has been seized by my credito

Scott's answer | Answered on September 17, 2009

Show the court evidence that the funds aren't yours...the court should return them.

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Garnishment threatened on a debt that the statue of limitations has expired in my state----can they legally do this?

Scott's answer | Answered on September 17, 2009

You may have several claims on other grounds, but the statute of limitations on a written agreement (which most credit card agreements/applications...

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If you ask a credit card company to make a settlement, say pay $600 instead of $1000 how does that affect your credit?

Scott's answer | Answered on September 14, 2009

I would add...if the creditor charges off $400, they will often issue you a 1099 for that charged off money. This means you may have to pay tax on...

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What is the time of day in Ohio that debt collectors can begin calling by law?

Scott's answer | Answered on September 10, 2009

8AM to 9PM

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If I have little to no equity in my house, do I have to file a chapter 13?

Scott's answer | Answered on September 10, 2009

Unfortunately, the answer is not simple. You will need to go see an bankruptcy attorney with all your information (debts, property/mortgage...

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Responsibilty of a student loan

Scott's answer | Answered on September 02, 2009

I am very sorry to hear about your daughter. I am not sure what the contract says, but if he was only on the hook for 2 years, under the contract,...

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Can a creditor contact me if i retained an atty for bankruptcy?

Scott's answer | Answered on September 02, 2009

The short answer is No...they cannot contact you by phone once they know you're represented. They can probably still send you letters. If they...

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I was laid off work in March, I have 3 credit cards that I am trying to negotiate a payment plan without ruining my credit.

Scott's answer | Answered on July 27, 2009

Unlike my colleague, i would never recommend taking on new debt to pay off old in an unemployment situation. Such a move COULD ultimately threaten...

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I only owe a collector $200.00 can they still garnish my wages for that?

Scott's answer | Answered on July 20, 2009

If you made payment arrangements, as long as you keep those arrangements they cannot do anything. Additionally, other advice given here is mostly...

Scott W Paris's Answers (179)

How can my son prove that a cash deposit made in our joint account was his money since the account has been seized by my credito

How can my son prove that a cash deposit made in our joint account was his money since the account has been seized by my credito

Garnishment threatened on a debt that the statue of limitations has expired in my state----can they legally do this?

If you ask a credit card company to make a settlement, say pay $600 instead of $1000 how does that affect your credit?

What is the time of day in Ohio that debt collectors can begin calling by law?

If I have little to no equity in my house, do I have to file a chapter 13?

Responsibilty of a student loan

Can a creditor contact me if i retained an atty for bankruptcy?

I was laid off work in March, I have 3 credit cards that I am trying to negotiate a payment plan without ruining my credit.

I only owe a collector $200.00 can they still garnish my wages for that?