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I live in Tn and a debt collector called me and has been trying to collect on an acct that is 5 yrs old. I told the guy that I
Joshua's answer
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Answered on February 21, 2011
Debt collectors can only file suit on debts until the statute of limitations expires. This time period varies from state to state - in California,...
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Do I need legal assistance?
Joshua's answer
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Answered on February 21, 2011
There are lots of exemptions and items that cannot be seized. It varies from state to state. For example, SSI direct deposit accounts are exempt in...
Archived
Can I still collect money from this person (old tenant)?
Joshua's answer
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Answered on February 21, 2011
The debtor's financial situation has not impact on your legal ability to attempt to collect a legally binding debt. However, it does make...
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Got summons on pay day loan.Could not make payment lost job.now working for temp. was given court date don't know if i should ca
Joshua's answer
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Answered on February 21, 2011
If the lawsuit has been filed, and you do not either settle or fight in court, you will lose and the creditor will probably take enforcement...
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If I turn an uncollected debt over to a lawyer, as the contractor can I still legally contact the debtor?
Joshua's answer
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Answered on February 21, 2011
Yes. When a party is represented by an attorney, the other side's attorney must only contact that attorney and not the other party personally. But...
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Can a debt collector mark me for refusal to pay, even though I offered to pay the amount I was able to pay?
Joshua's answer
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Answered on February 20, 2011
A creditor does not have to accept payments less than those required in the original contract. But if they accept the payments you send in, they...
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Judgement, Execution of Judgement
Joshua's answer
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Answered on February 20, 2011
NY statute of limitations apply. But statute of limitations are not based on the code you cited, because that is how long the creditor has to file...
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A debt collector keeps calling my house and asking for my mother. She doesn't live with me. Do I have to give them her phone #
Joshua's answer
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Answered on February 20, 2011
You do not need to give them any information if you do not want to.
In addition, according to the Fair Debt Collections Practices Act limits the...
Archived
Can a finance company garnish wages? This is an unsecured loan, sent through the mail.
Joshua's answer
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Answered on February 18, 2011
I agree entirely.
The finance company cannot immediately garnish your wages, but if they go to court and win a judgment, generally they have the...
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Can i be sued, taken to court, and wages garnished over a credit card debt from four years ago?
Joshua's answer
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Answered on February 18, 2011
The statute of limitations (time a credit card company can sue you) varies from state to state. In California, it is 4 years from the date of...