Archived
Should I pay credit card debt that is 20yrs old and in collections w/Asset Acceptance,LLC.Reduced from original $4197.37 now 210
Michael's answer
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Answered on July 02, 2013
If the debt is 20 years old it should not be reporting on your credit report. You should dispute the debt because Asset Acceptance may have...
Recieved an intent to file a civil lawsuit letter from Michael Scott
Michael's answer
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Answered on July 02, 2013
I've defended hundreds of Michael Scott Lawsuits. I presume you are talking about National Collegiate Trust since that is a large private student...
Archived
Debt collector turning account over to a lawyer
Michael's answer
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Answered on July 02, 2013
They might file a lawsuit. You won't go to trial. You may qualify for Chapter 7 Bankruptcy which would discharge this and other debts.
Archived
Senior Citizen on disability being sued for single credit card debit (Care Credit)
Michael's answer
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Answered on June 12, 2013
They are not allowed to take her disability and car. That being said, they may still try to garnish her bank account in the future and cause...
Archived
What does it mean when a Judge writes......Pass Out..... on a lawsuit from a debt collector that went to a hearing?
Michael's answer
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Answered on June 12, 2013
You should consider hiring a debt defense lawyer. You need to find out what the status of the case is. There may be another hearing coming up. ...
Archived
Will a civil judgment against me have to be fulfilled from my personal injury claim?
Michael's answer
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Answered on June 12, 2013
No you do not have to voluntarily pay the judgment out of your settlement. However, a judgment creditor can garnish bank accounts in Texas so if...
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Archived
Can a collection company contact a previous customer and tell them that you owe them money to help in collections?
Michael's answer
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Answered on June 12, 2013
The FDCPA only applies to consumer debts. This would be illegal under the FDCPA but this sounds like a business debt so the FDCPA would likely not...
Archived
Do I have the right to pay the medical office a debt after they send to debt collector without effecting my credit?
Michael's answer
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Answered on June 12, 2013
There is no right to pay the original creditor vs. the collection agency. One strategy would be to send the collection agency a Cease and Desist...
Selected as the best answer
Archived
What can be done about asset hearing in state I do not live in. My daughter was served, I never was I live in another state,
Michael's answer
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Answered on June 12, 2013
You should find a debt defense attorney in Oklahoma. You may be able to challenge the judgment for lack of service depending on Oklahoma law. ...
Archived
Our account was garnished for 11,000. I read online that 90 percent of your income earned in the last 60 days is exempt?
Michael's answer
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Answered on May 29, 2013
The 60 day exempt language you are talking about sounds like the bank rule that requires banks to protect 60 days of social security proceeds from...
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