Questions answered by Lu Ann Trevino

Archived

What is the statute of limitations on an internet payday loan agreement?

Lu Ann's answer | Answered on March 20, 2014

The statute of limitations for the collection of debt in Texas is 4 years beginning the day after your first missed payment. The rest of the...

Archived

Fair Debt Practices

Lu Ann's answer | Answered on March 20, 2014

"Plea for willful invasion" and "social security fraud" ? This is mumbo jumbo designed to scare you into sending money to someone who has no right...

Archived

Can a private school loan sue the borrower and the co-borrower (both)?

Lu Ann's answer | Answered on March 20, 2014

Lawsuits on private school loans often serious evidence and procedure problems which make it possible for the consumer to defeat the claim. You...

Archived

Vehicle loan lawsuit. Very strange case as I have a letter/title from the bank releasing loan. What are my chances of dismissal.

Lu Ann's answer | Answered on March 20, 2014

Your only course of action is to sue your co-signor which is not likely to be successful in terms of collection if you did win.

Archived

CAN I SUE A HOSPITAL FOR SENDING A MEDICAL BILL INTO COLLECTIONS THAT WENT ONTO MY CREDIT THAT WASNT EVEN MINE?

Lu Ann's answer | Answered on March 19, 2014

It is possible to sue a hospital or any other creditor for errors in reporting. There are some procedural steps which need to be taken before you...

Archived

I was training on 18 wheel truck. After 1 week I blacked out behind the wheel. It happened 2 times. I told my trainer about it.

Lu Ann's answer | Answered on March 18, 2014

It's impossible to know if you are liable for the loan without reading the agreement you signed. There may be a way out of the debt because your...

Archived

We put $8000 down on a car and have not taken possession of the car as of yet. The purchase price is $9500. Can we back out?

Lu Ann's answer | Answered on March 18, 2014

No, you can't back out now unless the car dealer wants to let you out. That might happen if you are going to buy a different car from them. ...

Archived

If a collection agency (CA) sold a debt to another CA, can they both report different debt info at the same time to the bureaus?

Lu Ann's answer | Answered on March 14, 2014

Consumer laws are designed to make companies treat you fairly. If the collectors have no fear of the law or assume that you don't know about those...

Archived

What to do about a "processor" calling me?

Lu Ann's answer | Answered on March 13, 2014

This just another variation on the theme of scam debt collectors. Demand their information and don't send money or banking info until you get it.

Archived

I need a personal form for an abstract judgement against personal property or properties against an indivisual, i am sueing.

Lu Ann's answer | Answered on March 13, 2014

You can't file an abstract of judgment before you actually win at trial and the judgment is issued by the court. You don't have any legal rights...

Lu Ann Trevino's Answers (10249)

What is the statute of limitations on an internet payday loan agreement?

Fair Debt Practices

Can a private school loan sue the borrower and the co-borrower (both)?

Vehicle loan lawsuit. Very strange case as I have a letter/title from the bank releasing loan. What are my chances of dismissal.

CAN I SUE A HOSPITAL FOR SENDING A MEDICAL BILL INTO COLLECTIONS THAT WENT ONTO MY CREDIT THAT WASNT EVEN MINE?

I was training on 18 wheel truck. After 1 week I blacked out behind the wheel. It happened 2 times. I told my trainer about it.

We put $8000 down on a car and have not taken possession of the car as of yet. The purchase price is $9500. Can we back out?

If a collection agency (CA) sold a debt to another CA, can they both report different debt info at the same time to the bureaus?

What to do about a "processor" calling me?

I need a personal form for an abstract judgement against personal property or properties against an indivisual, i am sueing.