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Daniel Joseph Ciment's Answers (223)

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Can a bill collector sue me and take me to court?

Daniel's answer | Answered on October 04, 2009

You really should consult an attorney that handles these types of cases. Our firm fights these credit card lawsuits and we win over 85% of the...

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What web site would one go to to find a form to file a general denial for a response brought on by a credit card company?

Daniel's answer | Answered on October 02, 2009

My firm represents people like yourself that have been sued for unpaid debts. Most of the cases we handle get dismissed without our clients paying...

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Is a surviving spouse responsible for a credit card debt that was only in the deceased name? S.O.

Daniel's answer | Answered on October 02, 2009

First, I am sorry to hear about your loss. I am sure that this is a difficult time for you, your mother and your family. Second, my answers...

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My mother lives in Texas, is she responsible for my father's credit card debt, he recently died

Daniel's answer | Answered on October 02, 2009

First, I am sorry to hear about your loss. I am sure that this is a difficult time for you, your mother and your family. Second, my answers...

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I received a letter from a debt collection agency

Daniel's answer | Answered on October 01, 2009

The statute of limitations, which is how long the creditor has to file a lawsuit against you, is 4 years from the last time you made a payment on...

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What can i do if the bank didnt notify me of when they were going to sell my vehicle after repossession in Texas

Daniel's answer | Answered on October 01, 2009

Under Texas law they creditor is required to give you notice of their intent to sell the vehicle. If they do not then you are not liable for the...

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If i have a pay day loan and the funds were not available in my bank account when they ran it thru can they garnish my wages

Daniel's answer | Answered on October 01, 2009

No, they can't garnish your wages. But they can continue to try to take the money from your bank account. Additionally, they can file a lawsuit...

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My bank accounts were garnished to 0. balance from creditor listed in decree for ex? they took all my $ - single mom

Daniel's answer | Answered on October 01, 2009

I am sorry to hear about your situation. Unfortunately, the divorce decree does not mean anything to your creditors so what they did was perfectly...

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A creditor got a judgment against me. Can they freeze or in any way touch my bank account?

Daniel's answer | Answered on October 01, 2009

The judgment creditor can garnish your bank account. In order to do this they have to file a lawsuit against your bank. Once the bank has been...

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What happens after you have been sued and a judgment has been taken? Can a creditor garnish wages?

Daniel's answer | Answered on October 01, 2009

If you have been sued you really should seek legal advice from an attorney that handles these types of lawsuits. Our firm has handled almost 1000...