Questions answered by Ryan J. Dove

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How do we stop 3 years of harassing phone calls from collection dept. of a very large bank? We have not missed a payment!

Ryan's answer | Answered on May 22, 2015

Request a full payment history from your mortgage company. Anything you dispute, print out a proof of payment, such as a cancelled check. One...

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I need to know if the "answer" form on Texas Law Help is able to be filed at a Galveston County court, or another option?

Ryan's answer | Answered on May 21, 2015

If you will be hiring an attorney I would advise letting them draft and file the answer. Especially if you may have a legal defense. If you...

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How can I fix my credit score the right way?

Ryan's answer | Answered on May 21, 2015

First, I would say you are on the right track. You want to make sure that all the items are accurate. Items will fall off your credit report...

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I received a letter in the mail yesterday saying I owe 22,000 as per rules 197.2 and 621a of texas civil code.

Ryan's answer | Answered on May 21, 2015

I concur with my colleagues. The lawyers for the judgment creditor are working on enforcing the judgment. You would either need to meet with a...

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How can I get a bank to remove a negative late payment report on my credit report?

Ryan's answer | Answered on May 21, 2015

Assuming the debts were discharged in your bankruptcy, file a dispute with each credit bureau that shows the account. You'll probably need to send...

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What is the legal amount of time a company has to pay an independent contractor?

Ryan's answer | Answered on May 20, 2015

To put it simply, what does the employment contract say? If there is no employment contract, or if it does not cover payment, then it is your...

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Can I transfer balances to a lower interest card during divorce proceedings?

Ryan's answer | Answered on May 19, 2015

You should probably meet with both a divorce lawyer and a bankruptcy lawyer before making any large balance transfers. Many offer free...

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Do I need to hire a local attorney that handles collection and civil scams?

Ryan's answer | Answered on May 19, 2015

If this is a scam there is likely nothing you can do about it. You can meet with an FDCPA lawyer, but you might have to pay a lot of money for...

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Do i have to pay a judgement in cash?

Ryan's answer | Answered on May 19, 2015

If it was a constable he or she should have a writ of execution. If you are unsure you should contact a local debt defense attorney to help you...

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What is the SOL on debt in TX? If I am sued after that time, is the judgement legitimate?

Ryan's answer | Answered on May 18, 2015

4 years from the date of default for most types of debts in Texas. For items like credit cards, this usually means 30 or 60 days from the last...

Ryan J. Dove's Answers (774)

How do we stop 3 years of harassing phone calls from collection dept. of a very large bank? We have not missed a payment!

I need to know if the "answer" form on Texas Law Help is able to be filed at a Galveston County court, or another option?

How can I fix my credit score the right way?

I received a letter in the mail yesterday saying I owe 22,000 as per rules 197.2 and 621a of texas civil code.

How can I get a bank to remove a negative late payment report on my credit report?

What is the legal amount of time a company has to pay an independent contractor?

Can I transfer balances to a lower interest card during divorce proceedings?

Do I need to hire a local attorney that handles collection and civil scams?

Do i have to pay a judgement in cash?

What is the SOL on debt in TX? If I am sued after that time, is the judgement legitimate?