Archived
Hi, I had a payday loan from 6 years ago. They are not trying to file a claim against me, foolishly Im proofless. Is this legal?
Michael's answer
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Answered on November 05, 2013
It's legal, and they can sue you. If you believe you genuinely do not owe this, then you'll have to defend against the complaint and prove you...
I got a subpoena to appear in civil court for a balance on a credit card. Do I HAVE to appear.
Michael's answer
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Answered on November 05, 2013
You received a SUBPOENA TO APPEAR. The name of the document answers your question. Attendance is mandatory, or you'll be hit with an arrest...
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Archived
Mom passed away with charge card debt. Dads funds are in his IRA. Is he responsible for her credit debt? Acct is not joint.
Michael's answer
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Answered on November 05, 2013
Hold on....if the account was not joint, how did he charge $1,200 after she died? Are you saying he committed bank fraud? Did he forge her...
Archived
In NJ, does post-judgment interest accrue on equitable distribution ordered by a Judgment of Divorce? If so, when?
Michael's answer
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Answered on November 05, 2013
Yes. Plus, since no value was ever assigned, there actually was no "cash" judgment. There is no interest to accrue.
Archived
Got a call from a lady stating she going to be serving me papers a default on an on line loan form 2010 (Integrity Loans) she
Michael's answer
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Answered on November 05, 2013
Those are 2 separate questions. Is it a scam? Possibly. It's certainly a violation of the FDCPA, assuming what you've said is accurate. But,...
Archived
Our account balance for our mortgage shows 0.00 account closed. We know that isn't correct. What should we do ?
Michael's answer
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Answered on November 05, 2013
There is a lot of information missing from your post. First, why is the loan reporting closed? Did you default on it? File a bankruptcy? Was...
Archived
How do I make a legally binding final settlement for a lesser amount with a credit card account?
Michael's answer
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Answered on November 05, 2013
Unless the creditor is willing, in writing, to settle the bill in full for half of the claimed value owed, you can't. The tenor of your post...
I received an alias tax warrant for motor vehicle taxes,what can i do if i cannot pay the full amount due now?
Michael's answer
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Answered on November 05, 2013
If you admit owing the tax liability (i.e., it's your car and the taxes weren't paid on time), there is nothing you can do about it. An alias tax...
Archived
I was given a bad check for some cleaning services. i completed my end of the agreement (cleaned for three days) what can i do?
Michael's answer
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Answered on November 05, 2013
The short answer is probably not much. Receiving a bad check is part of the cost of doing business. That said, you can:
a. sue them for the...
Archived
Is this a dischargeable debt in bankruptcy?
Michael's answer
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Answered on November 05, 2013
The short answer is maybe. The only real way the debt would be non-dischargeable would be if, once you filed bankruptcy, the creditor filed an...
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