Questions answered by Christine B. Adams

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I have a car loan with my credit union. My last payment was September 3, 2013 and there telling me that I owe 3k more.

Christine's answer | Answered on September 14, 2013

You should dispute the debt in writing. If they refuse to answer you they might be in violation of the Truth in Lending Act (TILA) , which...

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Can He Take My Car?

Christine's answer | Answered on September 14, 2013

A cosigner cannot take possession of an individuals car if there name is not on the title. Only the person on the title and the car company has the...

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If the vehicle is in his dad's and his name, is it marital assets??

Christine's answer | Answered on September 14, 2013

You really need to discover who is on title to the car, it may be a hard sell if it is in the father's name.

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In contract agreement on a Payday loan to be ach out of my checking acct. every payday. They now say they are unable to do this?

Christine's answer | Answered on September 14, 2013

The agreement you signed should have a jurisdiction clause explaining where the forum for litigation. However, if they would litigated they would...

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Have any attorneys here dealt with AAA Collection Agency in Anaheim California?

Christine's answer | Answered on September 14, 2013

You should contact a consumer rights attorney right away.

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Since the CA EDD office is so mismanaged and payments are not made on time is there any way to sue the State?

Christine's answer | Answered on September 14, 2013

Attorney McCall gave you good advise. Another option is to see a bankruptcy attorney and consider a Chapter 13. If you are behind on your car...

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Disputing a debt with a debt collector

Christine's answer | Answered on September 14, 2013

Send the debt collector a letter disputing it within 30 days of the debt collector’s initial contact with you. After the debt collector receives...

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Can my landlord charge late fees without a lease? Our original lease was up May 31, 2013.

Christine's answer | Answered on September 14, 2013

I agree with the attorneys that have already answered. A month-to-month rental agreement. A month-to-month rental agreement might appear to be a...

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I have debt accidentally omitted (student loan of $1000 with University). Can I just pay it off directly?

Christine's answer | Answered on September 14, 2013

It appears that you want to go back to school. If this is a educational debt it cannot be discharged unless it is paid in full, in most cases. ...

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Does filing chapter 13 after filing chapter7 and receiving a discharged 7 can a second mortgage lien be erased after finishing

Christine's answer | Answered on September 14, 2013

Chapter 20 generally refers to a situation where a Chapter 13 is filed right after your Chapter 7 is completed. Some courts even allow the Chapter...

Christine B. Adams's Answers (2742)

I have a car loan with my credit union. My last payment was September 3, 2013 and there telling me that I owe 3k more.

Can He Take My Car?

If the vehicle is in his dad's and his name, is it marital assets??

In contract agreement on a Payday loan to be ach out of my checking acct. every payday. They now say they are unable to do this?

Have any attorneys here dealt with AAA Collection Agency in Anaheim California?

Since the CA EDD office is so mismanaged and payments are not made on time is there any way to sue the State?

Disputing a debt with a debt collector

Can my landlord charge late fees without a lease? Our original lease was up May 31, 2013.

I have debt accidentally omitted (student loan of $1000 with University). Can I just pay it off directly?

Does filing chapter 13 after filing chapter7 and receiving a discharged 7 can a second mortgage lien be erased after finishing