Archived
I have $36,000+ in medical bills from my pregnancy from when I was 16, what do I do?
Daniel's answer
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Answered on January 08, 2015
Since the statute of limitations is probably five years, I would suggest you (1) do not pay or acknowledge the debt and (2) contact a consumer...
Archived
I can no longer afford my car payment. I already do have bad credit (due to identity thief). Should I turn the car back in?
Daniel's answer
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Answered on January 08, 2015
You are liable for any deficiency. See if you can sell the car or trade it for a less expensive one. Repossession sales tend to bring low prices....
Archived
Is it legal for a loan company to change the terms of a loan without notice.
Daniel's answer
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Answered on January 08, 2015
It is not proper for them to change it with or without notice, absent your agreement.
I keep getting email saying I am being arrested and will face charges for not paying back a payday loan. Is this legal?
Daniel's answer
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Answered on January 07, 2015
This is a scam. Report it to law enforcement. Do not pay. Do not provide information.
Archived
Are you required to pay the balance owed to a loan company after auction? We did not request them to come and pick up the auto.
Daniel's answer
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Answered on January 07, 2015
If the repossession was lawful and all proper notice were given and the disposition of the collateral was "commercially reasonable," you are liable...
Archived
Is it Illinois law that my bank must place a hold of double the judgement amount?
Daniel's answer
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Answered on January 07, 2015
Illinois law requires double the amount of the judgment to be withheld. However, you can claim $4,000 as exempt under the "wildcard" exemption,...
Archived
If i file a wild card exemption to unfreeze my account before my next court date, will I be able to see a judge that day?
Daniel's answer
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Answered on January 07, 2015
You can try filing an emergency motion setting forth your circumstances and try to have it heard on 24 or 48 hours notice to the other side.
Archived
What should I expect at my court date?
Daniel's answer
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Answered on January 07, 2015
You will not go to jail. You may have a judgment entered against you. This is not necessarily the case because creditors often cannot prove the...
Archived
I got my wages garnished how do i know how much money they take from my paycheck
Daniel's answer
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Answered on January 06, 2015
The amount deducted from each paycheck should be stated on each pay stub. In addition, you have the right to an accounting from the judgment...
Archived
Can my 89 year old mother be served legal papers from a process server for a payday loan, she
says is paid sans debt verify?
Daniel's answer
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Answered on January 06, 2015
Real process servers don't make calls like this. It is likely that your mother is being scammed.
