Archived
If I foreclose on a investment property in CA can the lender go after my Primary home in NV especially if has equity.
Timothy's answer
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Answered on January 24, 2010
In California, lenders get to take only "one action" to collect on the debt, they can either foreclosure on a non-judicial foreclosure sale, or sue...
Archived
I have not been able to make payments (for a very long time) on my credit cards and loans.. Help!!
Timothy's answer
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Answered on January 24, 2010
I'm not sue exactly how the debt collection process works in NY, but it sounds like you very much need to speak to a bankruptcy attorney in your...
Archived
What to do with credit cards opened by spouse without my knowledge
Timothy's answer
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Answered on January 24, 2010
Unless your wife forged your signature and fraudulently applied for credit in your name, you are not the account holder, but merely an "authorized...
Archived
Unbilled Credits Made to a Credit Card
Timothy's answer
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Answered on January 24, 2010
It comes down to what's in the credit card agreement. My guess is they probably do not allow a 3rd party (the doctor) to credit the account...
Archived
Problem with a Credit Card Co. & problem with unautherized charge
Timothy's answer
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Answered on January 24, 2010
If the credit card company won't do anything for you to reverse the charges, you can probably sue the vendor (whoever charged the card) in small...
Archived
Can a payday loan company make you start settlement over again if the very last payment is returned from the bank nsf?
Timothy's answer
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Answered on January 24, 2010
Probably, yes. The nsf check can most likely be considered a "breach" of the repayment agreement you had with the payday loan company. Of course...
Archived
Debt collectors still coming after me...
Timothy's answer
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Answered on January 24, 2010
The statute of limitations for breach of written contract is 4 years in California. Since the default took place more than 4 years ago, there is...
Archived
Credit card debt
Timothy's answer
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Answered on January 24, 2010
I think you're probably making a big deal over nothing. It is nearly impossible for a debt collector to cross over jurisdictional lines into...
Archived
Can a private student loan company take my tax return without me knowing it if my loans are in default?
Timothy's answer
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Answered on January 23, 2010
I am not aware of a way for a private entity to levy on a government tax refund. The creditor typically would also need to have a judgment against...
Archived
I assume that many debts/write offs are sold multiple times to keep it alive.
Timothy's answer
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Answered on January 23, 2010
Yes, it is unlawful for a collection agency to collect on a debt they are not lawfully entitled to collect on. Obviously, you should only owe the...
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