Archived
I recieved a letter from a creditor yesterday collecting from 7 years ago. Can they still come after me for this?
Tim's answer
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Answered on September 20, 2012
Making a voluntary payment does renew the applicable statute of limitations for debt in Washington.
We would need to know the nature of this...
Archived
When checking the SOL for debt collection, does the start date begin when the account went past due or when summons was filed
Tim's answer
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Answered on September 18, 2012
Given the facts you set forth, yes, that action appears to be time barred under Washington's six year statute of limitations.
It is worth your...
Archived
Can I appeal a hearing judgement to a dentist debt collector due to my dentist providing not enough information to my insurance.
Tim's answer
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Answered on September 17, 2012
From the facts you set forth, it appear that your time to dispute the validity of this debt is long passed.
Did you know about the collection...
Archived
Short sale during foreclosure
Tim's answer
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Answered on September 16, 2012
You will need to talk with the lender's attorney who is handling the foreclosure suit about postponing the foreclosure to give you time for a short...
Archived
A collection agency has contacted me on a phone bill debt from 1998. What are my options? I'm in Washington State.
Tim's answer
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Answered on September 11, 2012
I agree that this is likely too old for them to ever sue you and obtain a judgment against you for this debt. However, they can still call you and...
Archived
I'm being sued for a very old debt totaling $1200 which includes the creditor's attorney fee.
Tim's answer
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Answered on September 11, 2012
Your post leaves open many questions about your potential rights and responsibilities here. If you want legal counsel about your current financial...
Archived
Can my second mortgage go to collection in a non-recourse state?
Tim's answer
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Answered on September 10, 2012
If your second mortgage was borrowed at the time you purchased the home in 2006 as part of an 80/20, and both loans were from the same lender, then...
Archived
I need to find out if i can make a deal, a monthly payment instead of garnsihing my check?
Tim's answer
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Answered on September 10, 2012
It is difficult to get an idea of your situation as a whole, but from your post I suggest one of the following:
1. invest the time to seek out a...
Archived
If I can't get approve for short sale. Should i just let the house foreclose and wait?
Tim's answer
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Answered on September 08, 2012
If the home is your residence, and is located in Oregon, then you are not at risk for any deficiency from your first mortgage. If they foreclose on...
Archived
Have a medical garnishment on my pay due to the clinic not billing my insurance from over a year ago, what can i do?
Tim's answer
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Answered on September 05, 2012
If you are being garnished, then you have already been sued and the creditor obtained a judgment against you. This means that your time to dispute...
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