Archived
There is a judgement against me for 9000 $. They refuse to work with me on this. Do I have to pay it in full or can I pay half.
Miguel's answer
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Answered on June 03, 2013
To answer your question, no, if you paid half of the amount of the judgment and they accepted your $4,500 payment, you would still be responsible...
Archived
Hello, my sister put me down as a reference for check she wrote and I didn't know. The check went bad. What rights do I have?
Miguel's answer
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Answered on May 30, 2013
Generally, a reference is used by a debt collector to find out information about the debtor when they are unable to contact that person directly. ...
Archived
I got a notice of execution (money),what forms do I need to stop the levy?They took 1200.00 from bank acct already.
Miguel's answer
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Answered on May 30, 2013
In California, if you have valid exemptions against the Notice of Levy, you can file the claim of exemption form EJ-160. A WG-006 is used for...
Archived
I need to lower my monthly payments with a collection agency but we have an oral agreement is it still possible to change this
Miguel's answer
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Answered on May 29, 2013
Any agreement, whether oral or in writing, can be amended by mutual agreement between the parties. In the case of a payment arrangement, if you...
Archived
How does going through debt management to pay off credit cards affects credit?
Miguel's answer
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Answered on May 07, 2013
It depends on what type of service you are using, but generally your credit will be negatively impacted if you fail to make payments to your...
Archived
Collection after a Satisfaction of Judgement?
Miguel's answer
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Answered on May 07, 2013
In addition to making sure you have a filed Satisfaction of Judgment which is marked as "in full", if you entered into a settlement agreement with...
Archived
Is it legal for a bill collector to come to my work?
Miguel's answer
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Answered on May 07, 2013
The Federal Debt Collection Practices Act, specifically §805(a)(3) speaks to this specifically, "a debt collector may not communicate with a...
Archived
When can a collections account be removed from a credit report in California?
Miguel's answer
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Answered on May 01, 2013
There is a general 7-year rule for reporting for delinquent accounts.
Archived
Credit report has two collection accounts that became delinquent and the last payments were made more than four years ago.
Miguel's answer
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Answered on April 29, 2013
The statute of limitations on most credit card collection matters is four years in California, if there is a contract in writing. However, because...
Archived
Can I get my case re-assigned to a CLOSER courthouse?
Miguel's answer
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Answered on April 29, 2013
As a result of the many thousands of debt collection lawsuits and Los Angeles County budget cuts, all limited jurisdiction civil collection...
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