Archived
Can an original credit still report a debt to the credit bureaus even though it was purchased by a collection agency?
Scot's answer
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Answered on February 03, 2012
No, negative information can only be reported for seven (7) years from the date of default. You should file disputes with the credit bureaus and...
Archived
Kaiser shared private medical information with a family member, do I have a case?
Scot's answer
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Answered on February 03, 2012
There is no private right of action for HIPAA violations. You may have a claim for invasion of privacy but the biggest hurdle would likely be...
Archived
My wifes ex husband says he cant get a refinance on their mortgage to remove her name from the loan. She signed quit claim deed.
Scot's answer
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Answered on February 03, 2012
Many people are in this situation and many lenders will be willing to finance a home even though the debtor is still on a loan with an ex-spouse....
Archived
Which party do I owe rent to?
Scot's answer
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Answered on February 03, 2012
I'm less sure of what you should do than my colleagues. If the mother is the owner and the son was her agent then her letter may have effectively...
Archived
What other ways can you settle a debt execution?
Scot's answer
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Answered on February 03, 2012
The biggest concerns are likely garnishment of your wages, bank accounts, and the potential for a lien against your house. I would recommend...
Archived
Can a domestic support obligation and child support arrearage be dischargeable in bankruptcy (Chapter 13) in the State of NV?
Scot's answer
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Answered on February 02, 2012
Child support including back support is not dischargeable. A chapter 13 can potentially discharge a divorce-related debt that is determined to be a...
How can i find out if im being sued
Scot's answer
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Answered on February 02, 2012
Generally your best bet to determine if you are being sued is to call your local county courthouse. If your small claims court is separate you...
Archived
I applied for credit at a bank, i have a job, very good credit, however the bank reported im disabled under "Employment".
Scot's answer
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Answered on February 02, 2012
First, this will not be a violation of HIPAA. You may have a claim for violation of the FCRA. First, you will want to dispute the information with...
Archived
Charge-Off Information
Scot's answer
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Answered on February 02, 2012
Generally the creditor will charge off the account when it delinquent by a certain number of days. After charge-off debts are typically sold or...
Archived
Can loans you receive from on-line cash advances be discharged in a bankruptcy?
Scot's answer
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Answered on February 02, 2012
Yes, these debts are generally going to be dischargeable if the amount of cash advances within 70 days of filing is less than $750. If the amounts...
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