Archived
Hospital bill balance sent to collections without even letting the patient know about an outstanding balance. Is this legal?
Daniel's answer
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Answered on April 27, 2015
Notify the insurer yourself.
Dispute the bill with the collector on the ground that it either should have been paid by insurance or was subject...
Archived
What do I do?
Daniel's answer
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Answered on April 24, 2015
Copy the court file. Look for the "return of service" and the "summons" setting court dates. See who was served. If you were legally living at...
Archived
Hi I've gotten myself into a payday loan nightmare
Daniel's answer
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Answered on April 21, 2015
The call has multiple earmarks of a scam. Do not provide information. Do not pay. Report the caller to law enforcement (Federal Trade...
Archived
In Illinois, can a judgement that is more than 7 years old be collected?
Daniel's answer
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Answered on April 21, 2015
A judgment must be revived after 7 years. There is no requirement that it be revived at any specific time, so that revival proceedings can be...
Archived
Pay day loan collection agency calling me. Said I did a payday loan of 700.00 from 2006. Can they seek a judgement against me
Daniel's answer
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Answered on April 21, 2015
It appears that any loan is outside the 6 year Michigan statute of limitations. In addition, calls of this nature are often scams, even if the...
Archived
I'm I responsible for paying for funeral cost if I only made arrangements and didn't sign a promissory note?
Daniel's answer
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Answered on April 19, 2015
If you signed a contract, not as agent for another, you are bound, even if you did not sign a note or provide your SSN.
Archived
Advanta credit cards sent me a threatening letter stating they can and will report my business card to all credit agencies.
Daniel's answer
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Answered on April 19, 2015
If you are personally obligated on a business card it can be reported on your personal credit report for 7 years after chargeoff/ 7.5 years after...
Archived
Can the dealership, demand you to bring a car back after you sign the contract?
Daniel's answer
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Answered on April 16, 2015
Many car dealers use contracts that provide that they can undo the deal if they cannot sell the contract. In some states, including Illinois, this...
Archived
Have a legal question regarding my bank account.
Daniel's answer
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Answered on April 15, 2015
Unless you can truthfully testify that you really believed that someone had paid or given you $4,300, after investigating who made the deposit, do...
Archived
Do you deal with identity theft
Daniel's answer
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Answered on April 14, 2015
This is part of a common scam. Notify the bank immediately, orally followed by written notice. Ask them to issue a new account because it has...
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