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Tregg Robert Lunn
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Tregg Lunn’s Answers

887 total


  • How to dispute a closed case that I never knew was open or closed on me that was 2 years ago? I never received judgement.

    I filed for chapter 7 bankruptcy 'pro se'. Creditor not knowing I had filed, filed a separate case in county court to have my wages garnished 12 days after I had filed chapter 7 bankruptcy. A judge ordered that garnishment be stopped due to me f...

    Tregg’s Answer

    You should speak to an attorney who deals in FCRA (Fair Credit Reporting Act) issues. Most of us have free consultations. You may have a claim if the creditor is still reporting the information incorrectly. There are certainly hoops to jump through to make certain that dispute letters are written to the correct people. If you have a claim, the FCRA requires offending CRAs and information providers, (such as the creditor in you question) to pay your attorney's fees and costs. That means it costs you nothing to speak with a consumer attorney to see if you have a claim.

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  • Is it legal for a debt collector to offer a settlement, garnish your wages, and still demand the same amount of money to settle?

    My husband received a settlement offer from a debt collector on 6-6-16 for $3100 and it stated we had until 6-29-16 to respond. However, they garnished our bank account $1200 on 6-8-16. When I called today to settle, they stated I had to pay the...

    Tregg’s Answer

    You should speak to a consumer attorney in your area. There may be some violations of the Fair Debt Collections Practices Act. If there are violations, the collector may be on the hook to you for up to $1,000 plus your attorney's fees and costs. Most of us have free consultations so it costs you nothing to see if you have a claim against the collector.

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  • What can I do

    I was pulled over and they told me To step out of the car and they told me to do some test and I told them I couldn't do it because I have a problem with my hip Anna told me to still do it and. They took me in and I asked for my walking cane a...

    Tregg’s Answer

    You didn't ask a question. You just gave some scant details about a possible arrest.

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  • Did they lie in answer to Admissions

    Received a letter stating it was an attempt to collect a debt. Sent a letter by certified mail, stating I disputed alleged debt. They take me to court. I ask them to Admit that I sent the dispute of the debt within 30 days of being notified of d...

    Tregg’s Answer

    If this was a third party collector and they have been untruthful with you while trying to collect a debt, you may have a claim against the collector for violations of the Fair Debt Collection Practices Act (FDCPA). One of the collectors who is active in Buffalo County violates the Act al of the time. You should speak to a consumer attorney to see if you have a claim. If you do, the collector will have to pay for your attorney's fees and costs in addition to statutory damages to you.

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  • Will a failure to pay warrant show up in a background check

    Have a failure to pay warrant because I didn't get fines paid off by the date they were due and I missed the court hearing to ask for an extension because I moved out of town and was not able to attend the hearing. I'm trying to get the fines paid...

    Tregg’s Answer

    It will depend on who the employer uses to do the background check, but almost certainly active warrants will show up. Take care of the warrant.

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  • What can I do about credit card charges made on my card by ex-husband?

    I opened a Capital One account in 2002, added husband as joint card-holder. Got divorced in 2007. All debt was divided. This account didn't have a balance and was not in my possession.I moved out of state in 20008. In 2010 my "ex" started making p...

    Tregg’s Answer

    If the account is yours and you added your former spouse, then there will be no finding of fraud. The unfortunate truth is that it was your responsibility to remove him or close the account years ago.
    If the third party collector is harassing you, then you may have a claim under the FDCPA, but laws like the Fair Credit Reporting Act are probably not going to give you any relief because they debt it yours.

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  • Isn't this a violation of the HIPPA Law

    I HAD EMERGENCY SURGERY AND WHILE I WAS IN SURGERY MY SON CAME TO THE EMERGENCY ROOM HE WAS TOLD THAT I HAD BEEN SMOKING POT WHICH I HAD NOT. MY SON IS A POLICE OFFICER

    Tregg’s Answer

    There is no private right of action on HIPPA violations. That is, you have no right to sue even if this is a HIPPA violation. If there is a violation, the Federal Government can sanction the provider(s) who violated HIPPA.

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  • What do I have to do two accomplish this is? Is it possible? Is it worth it? What does a judge want to see?

    I have past convictions of 3 DUI's and a miseminor marijuana charge from a association of a boyfriend. I have been sober off all substances for 3 years I'm to be released from a 3 year probation term suscessfully in a couple of weeks I'm due to gr...

    Tregg’s Answer

    In Nebraska, you cannot even apply for a pardon until 10 years after completion of a sentence. That clock will start for you when you are released from probation.

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  • What is going to happen after he gets the pictures and finger prints. He got kicked off diversion so what happens next

    Last year my boyfriend got a felony for possession of 3 pills. When he was younger he was in the court system for not going to school so he was in group homes. Now after almost a year he finally got a letter in the mail saying he has to go in for ...

    Tregg’s Answer

    If he was removed from Diversion, then he will have to start the case from the beginning.

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  • Do I have any chance at a failure to hire law suit? It is clear I wasn't hired because of my criminal record, which is now gone.

    I was interviewing for a position with a company called Raising Cane's Chicken Fingers. I applied for the GM position. I managed to get through a phone screening, a face to face, an assessment and an on the job evaluation. They then submitted me f...

    Tregg’s Answer

    You need to find out who did the background check and what it said. There is a company in Omaha who does background checks are they do a very poor job at it. If there is something incorrect on your background check, (it is actually classified as a credit report) and you were denied employment because of the error, you may have a claim under the Fair Credit Reporting Act. Until you know what the report says, you don't know if you have a claim.

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