Archived
I returned my modem through UPS and I just got a bill from a collection agency claiming I owe 106 dollars for said modem
Edgar's answer
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Answered on September 17, 2016
In addition, there is a state law RCW 19.16 that is concurrent with FDCPA liability. Try the easy route of offering proof of mailing. If they...
Archived
Can the bank buy a home it holds the mortgage on at auction?
Edgar's answer
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Answered on September 17, 2016
A bank can buy back a house at a foreclosure sale. Often, this is required by the pooling and servicing agreement. With that said, they are...
Archived
Do I have to pay more money to the furniture store?
Edgar's answer
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Answered on September 16, 2016
This sounds a little scammy. Look at the furniture prices for the make/model/manufacturer at other stores and see if there is a statistically...
Archived
Can I do a quit title action or fight to release the lis pendens?
Edgar's answer
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Answered on September 14, 2016
Your case is a little complicated, however, let me try to unpack the issues.
It sounds like, based on the demand date of the acceleration, May...
Archived
CAN I BE TAKEN TO COURT FOR A MEDICAL DEBT FROM 2007?
Edgar's answer
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Answered on September 07, 2016
Likely a scam and if not, you likely have a great suit for FDCPA/RCW 19.16 violations for trying to collect on a time barred debt. I would check...
Archived
Will I have to leave out of my girlfriends home that I am not on the mortgage.
I pay the mortgage and all house bills.
Edgar's answer
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Answered on August 27, 2016
There is a difference between what she can do legally and what might be a safer outcome.
If you are deemed a tenant at will (google the term),...
Archived
Divorce decree awards me 2/3 of home, mortgage in his name only, both on title, he files bankruptcy, how does that effect me?
Edgar's answer
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Answered on August 25, 2016
Your question is complex enough that it cannot be answered in a paragraph or two. However, I will do my best to give a short answer. 1) Anything...
Archived
Is there a statute of limitations for medical bills and what can we do to stop getting really old bills from lawyers/collections
Edgar's answer
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Answered on August 24, 2016
Written contract is 6 years in WA. It is also a FDCPA and RCW 19.16 violation to go after time bared debt. You should speak to a collection...
Archived
If you move out of your home, without selling it, do you owe the mortgage company anything
Edgar's answer
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Answered on August 18, 2016
So leave the house with all the utilities on? Sounds like a potential scam. She should have an attorney review prior to abandoning. Not sure it...
Archived
Can a debt collecting company send you a summons for an account that was charged off in 2009 without trying to contact you first
Edgar's answer
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Answered on August 04, 2016
If it is a 2005 debt (assuming your default was in 2005) then your statute of limitations likely passed in 2011. Going after a time barred debt...