Archived
We bought a vehicle we thought we could afford the payments to a month ago do we qualify for buyers remorse?
Daniel's answer
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Answered on October 15, 2015
You do not have the right to get out of the contract based on what you have said. I suggest that you sell or trade the vehicle for one that is...
Archived
Is there any way to protect myself from bank fraud I'f someone deposited bad checks into my account?
Daniel's answer
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Answered on October 12, 2015
Depositing bad checks into your account does not create an overdraft, although you might incur a fee. Withdrawing the money is what creates an...
Archived
Can my car company disengage my car earlier than they told me?
Daniel's answer
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Answered on October 05, 2015
If you can, pay under protest and then sue them. Turning off a car is legally the equivalent of a repossession. However, finance companies often...
Archived
I am being sued by a debt collector and the court date is on the 19th of October but was never served.
Daniel's answer
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Answered on September 29, 2015
If the court file shows you were served (look for "return of service") you need to file a motion to quash, before the next court date.
If...
Archived
What is the Illinois threshold for withholding? How much do I need to earn in order for a creditor to garnish my wages?
Daniel's answer
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Answered on September 28, 2015
There is a carveout representing the Illinois minimum wage. So if you make more than minimum wage, the creditor can get 15% of the excess.
Archived
I have recently been summoned to court for sent that was bought by CACH, LLC and I have no idea what to do?
Daniel's answer
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Answered on September 28, 2015
Make sure you both file an appearance and do not default.
Consult a consumer attorney to see what defenses might exist. There actually are...
Archived
I was taken to court for non payment of rent but agreed to pay all back rent and fees so it would not be on my credit report
Daniel's answer
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Answered on September 27, 2015
Get a copy of the court file and the credit report(s) and take it to a consumer attorney. The Fair Credit Reporting Act requires that information...
Archived
Auto repossession
Daniel's answer
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Answered on September 23, 2015
If the sale price covered the debt plus expenses of repo and sale, that is it. You are entitled to an accounting of the sale proceeds. If one was...
Archived
Can I sue for fraudulent charges on my credit score?
Daniel's answer
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Answered on September 21, 2015
While a minor can contract for medical services, if the services are provided gratis or on the credit of the minor's parent, the minor is not...
Archived
Can I get arrested in the state of Texas for not paying a loan that was obtained over the Internet over 5 years ago?
Daniel's answer
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Answered on September 21, 2015
The statute is four years, measured from default or last payment.
Check with your state Attorney General and financial institutions regulator as...