Archived
I owe money to a credit card that was court ordered for me to pay. If I file bankruptcy will this amount due be covered?
Miguel's answer
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Answered on June 05, 2014
You should contact a debt settlement attorney in your area and schedule a consultation. They will be able to tell you how to proceed or if...
Archived
Im supposedly being jailed and taken to court because I supposedly did an online pay day loan and did not pay it back
Miguel's answer
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Answered on June 03, 2014
You cannot be arrested for failure to pay a debt. This is a common threat from pay day loan companies. If you were a victim of identity theft, file...
Archived
Can a credit card company attempt to collect a debt by wage garnishment on a debt (7+ yrs old) for 1000's of $ more than balance
Miguel's answer
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Answered on June 03, 2014
Unless they had a judgment, they would not have been able to collect. The statute of limitations is four years from the last payment...
Can I stop the original creditor from harassing my client by sending out a Letter of Representation?
Miguel's answer
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Answered on June 03, 2014
If the original creditor is a debt collector, the purpose of their contact is to collect on the debt and you have informed them that you now...
Archived
Do I have any basis to counter sue a debt collector?
Miguel's answer
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Answered on June 03, 2014
Unless you have access to that recording which may or may not exist, there is likely no avenue to pursue. In the future, all communications with...
Archived
I getting threats from a Attorney claiming to filing charges with the State Attorneys General office regarding a debt.
Miguel's answer
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Answered on June 03, 2014
Using false claims of criminal charges and threatening jail time for failure to pay on a debt is a violation of the Debt Collection Practices Act. ...
Archived
I need to pay a lump sum for divorce. I borrowed the money & need to know if there's a certain way I should hand it over?
Miguel's answer
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Answered on May 30, 2014
I've changed the category as payment pursuant to a divorce decree is generally not a debt settlement issue and payment instruction should be in the...
Archived
I'm being sued by Midlands for the credit card debt of $5578 from HSBC bank.How can I resolve this best way? Can I still settle?
Miguel's answer
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Answered on May 22, 2014
Midlands, much like most debt collectors, will put you through the ringer as far as information is concerned in order to get you to your account. ...
Archived
My bank account got garnish/hold, can I file a due hardship to release the garnish or hold?
Miguel's answer
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Answered on May 22, 2014
You can file a claim of exemption, generally form EJ 160. You should consult with an attorney regarding the proper exemption for your situation.
Archived
Does the SOL restart if I agree to make a payment over the phone then cancel?
Miguel's answer
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Answered on May 13, 2014
The statute runs from the date that the last payment was received. Unless there is some sort of other written agreement you entered that may...
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