Questions answered by Daniel A. Edelman

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Does a collection agency really not have to provide proof of a debt?

Daniel's answer | Answered on April 14, 2016

I am afraid that municipal fines for violations of public health ordinances are not covered by the Fair Debt Collection Practices Act, which...

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Went to court was told to file answer.that was march 29.paid off debt april 8.do i still need to file answer.

Daniel's answer | Answered on April 13, 2016

If you do not have a dismissal with prejudice from the plaintiff, file something stating that you paid the debt in full on 4/8/16 and appear on the...

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Do I still need to pay the entire balance of the loan if the car was sold or kept?

Daniel's answer | Answered on April 13, 2016

Your description indicates a number of violations of law, such as failure to provide repossession notice and possibly an opportunity to bring the...

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What can I do

Daniel's answer | Answered on April 08, 2016

Threats of the nature you describe are indicative of scammers who have no legal right to collect any loan you may have. Report them to law...

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Can they do that

Daniel's answer | Answered on April 08, 2016

Threats of the nature you describe are indicative of scammers who have no legal right to collect any loan you may have. Report them to law...

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Wages garnishment only against me, while the judgment was entered against me and my ex-husband. Is that discrimination?

Daniel's answer | Answered on April 06, 2016

The problem is that there is no discrimination; your ex husband is more difficult to collect from. Your divorce lawyer can adjust the equities...

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Do I have any recourse since I did not put an end date on the note?

Daniel's answer | Answered on April 03, 2016

A note without specific repayment date is payable on demand. Alternatively, if the monthly payment is specified, a court might find that the...

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What should I do with a notice of collection for a payday loan that I did not process.

Daniel's answer | Answered on April 03, 2016

This is a common scam. Report the collection attempt to law enforcement (Consumer Financial Protection Bureau, Federal Trade Commission, state...

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What can I do to get my account free please any help would be appreciated thank you in advance

Daniel's answer | Answered on March 31, 2016

It sounds like they have a judgment against you. See if you can identify the case from the notice the bank must send you or a check of the court...

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Is there any legal action I can take against the dealership for running my credit several times..

Daniel's answer | Answered on March 25, 2016

Generally credit scoring formulas treat multiple inquiries for the same type of credit within a 30 day period as a single inquiry. I question the...

Daniel A. Edelman's Answers (2967)

Does a collection agency really not have to provide proof of a debt?

Went to court was told to file answer.that was march 29.paid off debt april 8.do i still need to file answer.

Do I still need to pay the entire balance of the loan if the car was sold or kept?

What can I do

Can they do that

Wages garnishment only against me, while the judgment was entered against me and my ex-husband. Is that discrimination?

Do I have any recourse since I did not put an end date on the note?

What should I do with a notice of collection for a payday loan that I did not process.

What can I do to get my account free please any help would be appreciated thank you in advance

Is there any legal action I can take against the dealership for running my credit several times..