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Lu Ann Trevino
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Lu Ann Trevino’s Answers

5,038 total


  • A group I have never heard of threatens me with wage garnishment on my own business can they do that?

    I got a message from a collector saying that wage garnishment was approved. They are gonna garnish my wages from my own businesses. I was not served or sued. Can they do this to collect on a payday day loan?

    Lu Ann’s Answer

    This is still 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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  • Can a collections agency trying to collect on a payday loan threaten wage garnishment?

    I got a phone call today saying that if I do not pay on a payday loan from 3 years ago that wage garnishment was approved. I have my own businesses one all I get is commission the other cash plus I pay my taxes every quarter. They are also talki...

    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

    See question 
  • Why won't my old job let my mom pick up my last check?

    I quit my old job in New Orleans, LA back in the last weeks of July because I had a job offer in Texas. I recently moved to Houston, TX to begin work and one day my mother call me stating that I have to write them a letter to authorized her to pi...

    Lu Ann’s Answer

    Send a letter to the old employer providing your new mailing address and instruct them to mail the check to you.

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  • In Texas, what is my remedy for illegal electric shutoff?

    Management thought they were turning off a vacant apt, well they turned mine off, in Texas, in August. Took 27 hours to get in rectified, they refuse to pay for my lost food and are being bullies about it, shrugging their shoulders. I carry a z...

    Lu Ann’s Answer

    There may be some remedy in your lease, but I doubt it. Considering the amount of your lease payment, you probably do have a require that you maintain renters insurance. Make a claim on that policy. If you don't have such insurance, you can file suit in Justice Court for the amount of your actual damages.

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  • What to do when I have a check by theft case and I had to pay like 900 by August 26,2016 and I don't have any of the money .

    I had 90 days to pay it in order for it to be dropped down to a mistermeanor ..... I'm 9 moths pregnant but this supposedly happend five years ago and I can't remember if I wrote it or did it happened when my identification was stolen ....

    Lu Ann’s Answer

    I suspect 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

    See question 
  • By law. If a customer ask for manager name, does the employee need to release his or hers information?

    Asked for managers name at a used car dealer and the sales man told me that he does not have to release that information.

    Lu Ann’s Answer

    There is no law requiring release of employees names at a car dealership. Mostly, it's just a sensible business practice or courtesy.

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  • Lawsuit against me

    I've been making payments, But I was aware there's a lawsuit against me, if I want to settle without going to court, do I need to keep in contact with the collection agency, or speak directly to the attorney who is handling this case?

    Lu Ann’s Answer

    If you have been sued, stop paying and file an answer with the court denying the debt because you may not get proper application of your payments. Send the answer to the court and the creditor's attorney. You may have strong procedural defenses to this claim and should get an attorney experienced in credit card debt issues. Use the "Find a Lawyer" feature to connect with an attorney in your area. Many will offer free initial consultation.

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  • What dos e the GOB MEAN in front of my charge like GOB*POss cs 1>1g what dose the Bob mean

    Look I got a lot of problems just trying to figure this one out

    Lu Ann’s Answer

    Not sure what GOB means. POS 1>1G means there was a purchase on a credit/debit card reader at the point of sale (in the store) with one item under $1,000

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  • I believe a company is misclassifying their delivery drivers as independent contractors. TWC already notified. Can we sue?

    I have been working 9 months for a delivery co. (estimated annual revenue 11.5 million) on the same route five days a week. The product is shuttled in every morning and I have to meet that driver at a specific time (no flexibility) and have to hav...

    Lu Ann’s Answer

    It appears you have a reasonable claim, but drivers in this type of situation are often caught in a maze of competing and conflicting federal regulations, which can make it hard to recover wages if they are actually owed. 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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  • How will I have to repay the deficiency on my RV loan, maybe $30,000 dollars? Well they give me terms?

    We are turning in our RV because weer are very upside down, and can't make the payments. We got an adjustment in the terms, but it's still to much. We owe $50,000 auction should be $20,000. We will pay the shortage but need some reasonable terms.i...

    Lu Ann’s Answer

    Because this is credit union, you will likely have to take an agreed judgment to get an installment payment plan. If you have any cash deposits with that same credit union those will be taken and applied directly to your debt. If you purchased a vehicle for the same credit union, it may also be taken to satisfy the debt on the RV because there is probably a cross-collateralization clause in your lending agreement. Use the "Find a Lawyer" feature to connect with an attorney in your area. Many will offer free initial consultation.

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