Questions answered by Ryan J. Dove

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I turned in a car in oct 2016 after 3 days and they said that this was going on my credit as a repo. it that true?

Ryan's answer | Answered on January 16, 2017

The answer depends on your facts and what the lender decides to do (or not do). Generally, when a car is turned in to a lender in Texas (this is...

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Is it still on my credit??

Ryan's answer | Answered on January 15, 2017

You may want to check all 3 major bureaus, sometimes an item is only reported to 1 or two of the bureaus. If it truly has fallen off of your...

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I was a consigned with my father on a veichle it's been repo my father passed away.. can I dispute and get it taken of my credit

Ryan's answer | Answered on January 15, 2017

I am sorry for the loss of your father. As my colleagues have mentioned, co-signer means you are 100% responsible for the debt. The bigger...

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Student Loan Included in Bankruptcy

Ryan's answer | Answered on January 14, 2017

Student loans are not automatically discharged in bankruptcy. Depending on the facts of your situation these loans may or may not be able to be...

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Can I add my mortgage to my existing chapter 13 that I have been in for nearly 4 years now?

Ryan's answer | Answered on January 13, 2017

Call your lawyer. If you do not have a lawyer, it is time to hire one. This is a very complicated issue and addressing it incorrectly could...

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I have just been sued by Midland Financial, LLC for a credit card debt. What should I do?

Ryan's answer | Answered on December 10, 2016

You may have a legal defense to the lawsuit or you may not. A debt defense attorney may not know if you have a legal defense or not until after...

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Can an employee file a lawsuit against an employer for credit damage because they failed to adhere to state/federal wage laws?

Ryan's answer | Answered on December 07, 2016

I have re-tagged this question as an employment law question. I hope this helps you find advice. While I do not practice employment law, cases...

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Is there any situation where a constitutional lien would be considered invalid for an outstanding construction debt on his home?

Ryan's answer | Answered on November 30, 2016

"How can it be invalid?" Construction liens and the rules surrounding them are very complicated and very technical. Failure to meet a...

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What is the best defense for a debt collection lawsuit?

Ryan's answer | Answered on November 26, 2016

Affirmative defenses are VERY fact dependent. Said another way, you're asking for someone to give you very high level legal advice without them...

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I just recently settled out of court with a debt collector due to harrassment, but other than harrassment, have had other issues

Ryan's answer | Answered on November 20, 2016

To answer your question generally, often times when a debt is settled an agreement is used where the person signing the agreement gives up any...

Ryan J. Dove's Answers (774)

I turned in a car in oct 2016 after 3 days and they said that this was going on my credit as a repo. it that true?

Is it still on my credit??

I was a consigned with my father on a veichle it's been repo my father passed away.. can I dispute and get it taken of my credit

Student Loan Included in Bankruptcy

Can I add my mortgage to my existing chapter 13 that I have been in for nearly 4 years now?

I have just been sued by Midland Financial, LLC for a credit card debt. What should I do?

Can an employee file a lawsuit against an employer for credit damage because they failed to adhere to state/federal wage laws?

Is there any situation where a constitutional lien would be considered invalid for an outstanding construction debt on his home?

What is the best defense for a debt collection lawsuit?

I just recently settled out of court with a debt collector due to harrassment, but other than harrassment, have had other issues