The Stat of Limitations is 4 years, starting on the date when the last payment was made. Since the holder of the second mortgage sold the property...

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Calls from Collectors.

If they will not spend 44 cents to mail a form letter, I doubt that they will pay $395 to file a lawsuit. If you do talk with them, get all of...

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Do I need a lawyer if I'm been sued for a bad debit

Have you actually been served with a Summons and Complaint, bearing a court-issued case number, or is the debt collector just telling you that you...

Was the call from a debt collector? You cannot be arrested for not paying a debt. It is very illegal for a debt collector to imply that he/she is...

What are my rights if a florida court ordered a continuing writ of garnishment and i am a california resident

If you live and work in California, the creditor must go to court in California to "domesticate" the out-of-state judgment before it can garnish...

Can I be sued by a Cash Advance co. for not paying for a check from 05' in California?

You were being called by a debt collector, trying to get you to pay money. The debt collector is probably a debt buyer who paid about 2 cents on...

Does the credit card company's attorney of record need to be available to negotiate a settlement at a MSC?

An attorney can have another attorney appear for him/her at any proceeding. If it is a one-time appearance, i.e., a "special appearance", a formal...

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I have a civil judgment agains my ex business partners. I got the judgement in March of 2011. They just filed for bankrubtcy.

Debts for fraud and embezzlement are not dischargeable in BK. However, you need to file a motion in the bankruptcy court. What the bankruptcy...

I HAVE A JUDGMENT AGAINST A CONTRACTOR. HIS LICENSE HAS BEEN REVOKED. HIS WIFE IS WORKING. WILL I BE ABLE TO GARNISH HER WAGES?

The sale of the cars may be a "fraudulent conveyance", especially if he is still using them. If you can prove a fraudulent conveyance, the damages...

Is there any way to prove a debt collector is violating FDCPA and state laws if you cannot record the calls?

Besides taking notes, after the call you can fax them a letter confirming what was said and inviting them to respond if they do not believe that...