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Gary D. Bollinger

Gary Bollinger’s Answers

3,754 total


  • Should I request proof of charges and purchases on a charged off credit card debt purchased by a debt buyer?

    I have been sued by a debt buyer. Case is still in pretrial. The debt they are suing for was charged off almost four years ago. They have sent me statements that reflect payments, one of them being the charged-off statement showing the amount they...

    Gary’s Answer

    The charge off was likely by the original creditor who sold it to the debt collector.
    If that is the case, the charge off is not binding on the acquirer of the debt account.

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  • I'm applying for us citizenship. Does low scores and credit history impact citizenship process negatively?

    I didn't pay a medical bill due to miss communication between me and the insurance company. Later I found out that they sent for credit collection. My credit score went down from 750 to 600+. Now I'm planning to apply for citizenship. Does USCIS r...

    Gary’s Answer

    This question currently (as of this writing) came up under "Credit Repair."
    I think you would be more likely to get a useful response if you recategorized as an immigration law question.

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  • A collection agency wants me to pay $10500 immediately. What is the very minimum I. will have to pay monthly legally?

    A collection agency is wanting me to pay $10500 for a past due medical bill.They want all of it now.

    Gary’s Answer

    If they have no judgment against you, garnishment is not yet possible.

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  • How much can I earn without problems like bank seizures/garnishments?

    Post divorce, I ended up without settlement and actually lost most of my personal property. I am currently receiving SSDI; however, my bank account was seized twice unlawfully for consumer debt before I found out how to keep that from happening. ...

    Gary’s Answer

    There is Federal (and State) law restricting garnishments based on a percentage of the current poverty index. The $217.50 amount sounds about right, but I did not review the applicable provision.
    There is also federal law --as you have apparently learned-- limiting non-wage garnishments. State law exemptions may also apply.

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  • I am trying to determine if trying to expedite a hard inquire removal from your credit report is illegal

    I am working on improving my credit score. I found several items that were not removed by the removal date. I inquired about removing those and also removing multiple inquires for a auto loan that I really did not want on my credit report only was...

    Gary’s Answer

    A credit reporter can amend or delete a report to CRA.
    The suggestion of writing a letter to obtain the deletion or amendment of a reported incident is worth pursuing.

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  • Will the trustee know if I filed an amended return and got a refund?

    I have sent all my tax return forms and refunds to the trustee. I recently amended my 2013 tax return and received a refund. I had to use the refund for an emergency. I am close to the end of my 5 year term. I know the trustee does a final aud...

    Gary’s Answer

    The bankruptcy Trustee probably has no means to track amended returns through an IRS connection or IRS-required disclosure.

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  • When a man marries a woman, does he assume her past financial responsibilities and debt?

    My girlfriend has outstanding debts and had filed bankruptcy with her ex-husband. He died before the divorce was granted. So, legally, she assumed his debts. My question is, if she and I marry, will I assume her ("their") debts?

    Gary’s Answer

    The bankruptcy, if completed, likely discharged her obligation to pay most debts incurred prior to the filing date of her bankruptcy.

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  • Can I request proof of charges and purchases on a charged off credit card debt purchased by a debt buyer?

    I have been sued by a debt buyer. Case is still in pretrial. The debt they are suing for was charged off almost four years ago. They have sent me statements that reflect payments, one of them being the charged-off statement showing the amount they...

    Gary’s Answer

    You have the right to engage in discovery.
    The technical rules may require a thorough knowledge of the procedure rules of your court.

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  • Can a company send me to collections for accidentally sending me a check?

    I had a cable account that was closed with a zero balance, 4 years later the company sent me a check and said it was for overpayment. 3 months later they sent me a bill saying it was a mistake and u have to pay money back or will send me to collec...

    Gary’s Answer

    If you were not entitled to the money, I suggest you repay them.

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  • How do I get a home loan with a bad credit score?

    how do I get a home loan with a bad credit score? my score is 400 and I want a house thats on the market, my default in the credit cards was in 2012 I paid most of it off (but many of them I paid 70 % owed to get it to the principal, one was writt...

    Gary’s Answer

    You may need a co-signer and a larger down payment to make it work.

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