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Lu Ann Trevino
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Lu Ann Trevino’s Answers

5,038 total


  • What do I do?

    Hey, so i recently wrote this short book for this employer who offered me a job on freelancer.com. The deal was that he would pay me 400$ once I completely submitted my work. I did so on the 9th of August and now it is the 23rd. He still hasn't pa...

    Lu Ann’s Answer

    You don't give enough facts or context to make a useful answer possible. Are you under 18 years old? Did you copyright the book? Did you have written agreement for this work? Was it published? Use the "Find a Lawyer" feature to connect with an attorney in your area. Many will offer free initial consultation.

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  • Not returning money gave for down payment for getting loan for business

    I gave forty five thousand dollar to my friend to get loan from bank for purchase of business. He was fraud and didn't apply any loan and eat all my money. Now he saying he used all those money for his own purpose and not returning. He cheated...

    Lu Ann’s Answer

    You may want to consider filing a criminal complaint. You can sue and you could win, but you will have a very difficult time collecting on a judgment. Use the "Find a Lawyer" feature to connect with an attorney in your area. Many will offer free initial consultation.

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  • Voluntary Repossession Cancelled by the Dealership I Took my Car to Due to a Storm Occuring a Couple Days Later....PLEASE HELP

    I took my leased vehicle to the dealership I purchased it at before it was considered 30 days past due. The used car manager signed the voluntary repo form the financially company sent me to have completed and took the vehicle. A couple days later...

    Lu Ann’s Answer

    The repossession should be reported on your credit reports and you would be responsible for the unpaid balance on the date you returned the car. Because the lender has or will get the insurance payment for near total value, you will probably be responsible for a small deficiency balance. Still you need an attorney to force all parties to respect your rights in this matter. Use the "Find a Lawyer" feature to connect with an attorney in your area. Many will offer free initial consultation.

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  • Am I going to jail for writing a fraudulent check because I did not pay on a payday loan 3 years ago?

    I got a phone call this morning from a group I can find no info about. The cooper fineberg group. When they called before I nicely asked them to send me info on the loan they would not all she did was get snotty and mean. Today they say they se...

    Lu Ann’s Answer

    This is a scam. You probably are not in danger of going to jail for this debt. Unfortunately, there is probably nothing you can about the calls and the threats. There are 2 kinds of internet collectors: 1) the ones you can find and 2) the ones you can't. Most of the scary collectors are in the second group. It's virtually impossible to get them to stop and you can't sue because you can't physically find them. Demand information about the debt. They will not give it. Do not provide any of your banking information. Finally, beg them to sue you immediately because, if they do, you can sue them for the collection violations.

    http://www.avvo.com/legal-guides/ugc/the-truth-about-payday-loan-collection-calls

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  • Will the potential of a business be a reason the court would not discharge the student loans?

    I am on disability. I have a case open to discharge student loans. I just recently made gifts for someone as a way to minimize the cost of buying a gift. The people whom have seen says the jewelry is really good. May consider trying to sell these....

    Lu Ann’s Answer

    Your business doesn't exist, so it should not be considered in a bankruptcy or other legal setting.

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  • Am I legally responsible to pay?

    I was sued by a debt collector over a debt that is almost 4 years old. I had been working with them and came to an agreement that was not really suitable for me, but I did sign an agreed judgment. However, the case was dismissed "Case dismissed...

    Lu Ann’s Answer

    The statute of limitations for the litigation of debt in Texas is 4 years beginning the day after your first missed payment. Your posted facts are a bit unclear, but generally, an judgment not signed by the judge is unenforceable. Depending on the date of the dismissal for want of prosecution, the creditor may still be able to get the case back into court and avoid the statute of limitation question. You should consult with a debt defense attorney in your area. Use the "Find a Lawyer" feature on Avvo.com. Many will offer a free consultation.

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  • How do I file a replevy bond in the State of Texas?

    A creditor filed a Writ of Garnishment and Return at my bank and my accounts are now frozen. It states, "You have a right to regain possession of the property by filing a Replevy Bond. You have a right to seek to regain possession of the prope...

    Lu Ann’s Answer

    You have the right ASK for replevy. That does not mean you will get it. You should consult with an attorney in your area. Use the "Find a Lawyer" feature on Avvo.com. Many will offer a free consultation.

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  • I have 2 car loans in my name, if I file BR can I keep both cars?

    I live on SS 1200 a month have 12k in CC Debt, no savings or assets, 1 car is my daughters she needs for work, she makes the payments.The 2015 is mine.

    Lu Ann’s Answer

    You don't give enough information to make a useful answer possible. You should consult with a bankruptcy attorney in your area. Use the "Find a Lawyer" feature on Avvo.com. Many will offer a free consultation.

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  • Want to know what other options are available?

    Hello, I am writing on behalf of some relatives concerning some terrible work a contractor did on their bathroom. They have already been to small claims court and the verdict was in their favor , but they have not been able to receive any money fr...

    Lu Ann’s Answer

    If I were advising the contractor this is what I'd say:

    Keep in mind that Texas is an extremely debtor friendly state. Nobody gets your house except the lender and the IRS. Nobody gets your car except the lender and the IRS. Nobody gets your wages except the IRS and child support. Nobody gets your pension/retirement/401k/IRA except the IRS. Personal property exemption is $60,000 for an individual and $100,000 for a family. Most people don't have any thing more than that, so there is nothing to get to satisfy a judgment. HOWEVER, a judgment is good for 10 years and can be renewed. Also, the judgment is accruing interest and is being reported to the credit bureaus. The creditor is hoping that one day you will have some money saved for a large credit-based purchase (car or house). When you apply for that loan, the judgment creditor will learn you have cash and will then try again to get you to pay. Luxury items such as motorcycles and boats and cash on deposit in banks are not protected.

    You should file an abstract of judgment and post-judgment discovery should be done to locate assets. You should consult with a collection attorney in your area. Use the "Find a Lawyer" feature on Avvo.com. Many will offer a free consultation.

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  • Do I have the right to due the company for firing me

    Had a problem with employee doing stuff like blowing compressed air and watching every move I made out of three other employees and would only target me others can stand around sit down whatever but when it come to me I was always getting in troub...

    Lu Ann’s Answer

    Assuming you were working without a formal written contract, you don't have a claim. Texas is an employment at will state meaning employer or employee can end the work relationship at any time for any reason or no reason as long as there is no legally prohibited discrimination based on age, sex, race, et cetera. No law guarantees a pleasant working environment.

    On the other hand, if the treatment you received was caused prohibited discrimination and the supervisor retaliated for your complaint by firing you, there could be a claim. Use the "Find a Lawyer" feature to connect with an employment attorney in your area. Many will offer free initial consultation.

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