Questions answered by Daniel Ray Gamez

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Harassment Calls from Original Creditors.

Daniel's answer | Answered on June 27, 2014

You can send them a cease and desist letter requesting that they stop calling you at home, work, or any relatives. You should request that any...

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How to get rid of a judgement from 2005, that I can't afford to pay.

Daniel's answer | Answered on June 25, 2014

Attorney Larkin continues to provide good information on this site. Her assessment of your situation is spot on. You should consider consulting...

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How to tell if a so called Law firm is legit when they have no website for me to look up???

Daniel's answer | Answered on June 25, 2014

I wouldn't pay these people a dime unless they can provide you written proof that you owe the debt and that they are permitted to collect on your...

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NCO Financial Systems, Inc wage garnishment.

Daniel's answer | Answered on June 23, 2014

NCO is a debt buyer/collection agency. It sounds like you need to speak with someone in your area that handles credit issues, debt settlement or...

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"Debt collectors" are refusing to give me the address for verification of the debt... They said the calls won't stop. Help.

Daniel's answer | Answered on June 23, 2014

I would recommend that you contact an attorney for assistance. Used the Find a Lawyer search function here on AVVO to find an attorney near you...

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What happens if I don't show up to court after the creditor denied my claim of exemption from their wage garnishment attempt?

Daniel's answer | Answered on June 19, 2014

Please don't be afraid of appearing in Court. I have witnessed a number of individuals at this type of hearing and the judge is usually quite...

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What is the statute of limitations on a internet payday loan in California?

Daniel's answer | Answered on June 19, 2014

If their legal theory is breach of contract for non-payment of the debt, the statute of limitations is 4 years from the date of default. Also, you...

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IF DEBT COLLECTORS CANNOT SUE IF YOU ARE RETIRED, HOW DO YOU SETTLE WITH THEM? CAN THE DEBTS BE DISCHARGED FROM YOUR RECORD?

Daniel's answer | Answered on June 16, 2014

Your age doesn't protect you from a lawsuit. More facts are needed, but it sounds like you may have been told that it would be difficult for a...

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I am a co signer unable to pay my grandson private student loan and am 75 with fixed income and I talked to them but no help

Daniel's answer | Answered on June 14, 2014

FIrst, I am sorry to hear that you are having to deal with your grandson's debt. Unfortunately, if you are a co-signor, the creditor is able to...

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Does statute of limitations freeze when debt collection attorney files a lawsuite?

Daniel's answer | Answered on June 09, 2014

The suit must be FILED prior to the statute of limitations running. I always recommend consulting with an attorney if you are invoiced in a...

Daniel Ray Gamez's Answers (347)

Harassment Calls from Original Creditors.

How to get rid of a judgement from 2005, that I can't afford to pay.

How to tell if a so called Law firm is legit when they have no website for me to look up???

NCO Financial Systems, Inc wage garnishment.

"Debt collectors" are refusing to give me the address for verification of the debt... They said the calls won't stop. Help.

What happens if I don't show up to court after the creditor denied my claim of exemption from their wage garnishment attempt?

What is the statute of limitations on a internet payday loan in California?

IF DEBT COLLECTORS CANNOT SUE IF YOU ARE RETIRED, HOW DO YOU SETTLE WITH THEM? CAN THE DEBTS BE DISCHARGED FROM YOUR RECORD?

I am a co signer unable to pay my grandson private student loan and am 75 with fixed income and I talked to them but no help

Does statute of limitations freeze when debt collection attorney files a lawsuite?