Archived
Should I pay the debt collectors for emergency ambulance service to an in-network hospital more than 2 years ago or dispute it?
Daniel's answer
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Answered on March 21, 2018
Provide the ambulance service and its collector the insurance information and ask them to submit a claim. If it is denied because untimely and you...
Archived
How can I have a rep o car that was my husband’s removed from my credit report.
Daniel's answer
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Answered on March 20, 2018
You do not indicate what your relationship to the debt was. If you are legally liable, it cannot be removed. Note that Illinois has special...
Archived
I just agreed to a payment plan for a summons i was given. Do I still need to file an appearance and answer?
Daniel's answer
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Answered on March 19, 2018
An appearance and answer may not be necessary, but show up and make sure the order is entered as agreed. Also make sure that the order covers such...
Archived
How do I remove my name from being a cosigner on a home loan?
Daniel's answer
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Answered on March 19, 2018
You cannot get off the loan without the agreement of the creditor, which sometimes can be obtained for money. Also, the principal debtor can...
Can I negotiate a settlement for less than I owe for credit card debt at the court during a default judgment hearing?
Daniel's answer
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Answered on March 18, 2018
Appear, object to the motion for default judgment. If you have the money bring it and ask the Court to enforce the settlement. If you can't do...
Archived
Can Us Cellular garnish my wages?
Daniel's answer
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Answered on March 17, 2018
Not without suing you, serving you with a summons and complaint, and getting a judgment.
Archived
Can a car financing place take you to court after years of the car being repossessed and sold to get back the difference ?
Daniel's answer
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Answered on March 15, 2018
Unless payments were made within the last 10 years, it appears that the debt is beyond the statute of limitations.
Archived
Can creditors be sued?
Daniel's answer
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Answered on March 15, 2018
If it is a third party debt collector, you can direct them in writing not to contact you. After that, their only recourse is to sue or report to...
Archived
What can I do? I found out that I was a joint owner on a car loan, when they asked me about co signing.
Daniel's answer
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Answered on March 12, 2018
You can show your credit report to a consumer attorney. However, if you signed a contract obligating you to pay and the information on the credit...
Archived
Is raising student loan interest rates contrary to the current market considered illegal?
Daniel's answer
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Answered on March 09, 2018
There are lots of problems with servicing private student loans. We have found many errors. You should have an attorney review this carefully. ...