Archived
Can a debt collector sue me from any place (city, state, jurisdiction), they want? Can I be sued from NY when I live in CA?
Nicholas's answer
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Answered on May 10, 2013
If the company is a "debt collector" as defined by the FDCPA, they can only sue you: 1) where you currently reside; or 2) where you signed the...
Archived
Threatening garnishment
Nicholas's answer
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Answered on April 19, 2013
I believe your are the victim of a scam. Here's a link to an FBI consumer alert that was posted a few years back; this should help you:...
Archived
I am receiving calls from an "agency/law firm" saying they are going to have me arrested for unpayment of a payday loan.
Nicholas's answer
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Answered on April 19, 2013
Unfortunately, many consumers are being contacted by scam outfits posing as collection agencies. The BBB issued a consumer alert last month on...
Archived
FDCPA laws pertaining to call screening third parties.
Nicholas's answer
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Answered on April 18, 2013
Generally speaking, the FDCPA strictly prohibits collection agencies speaking with third parties without written permission of the consumer/debtor....
Archived
I have a private student loan from sallie mae that has been charged off, i have been speaking with a company named allied inters
Nicholas's answer
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Answered on April 18, 2013
If the account truly has been charged-off and sold to a debt buyer, that would explain why Sallie Mae is not providing you information. Even if...
Archived
Credit
Validation
Nicholas's answer
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Answered on April 18, 2013
The Ninth Circuit Court of Appeals has determined "validation" is nothing more than a statement as to: 1) the identity of the original creditor; 2)...
What is a debt validation in California? what consist a debt validation/
Nicholas's answer
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Answered on April 18, 2013
The Ninth Circuit Court of Appeals has determined "validation" is nothing more than a statement as to: 1) the identity of the original creditor; 2)...
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