Questions answered by James Liu

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When bad credit judgment has been entered how much interest can be charged until the amount is paid in full?

James's answer | Answered on April 07, 2014

Interest on civil judgments in CA is generally 10%, so its very reasonable for it to jump from 8k to 11k in about two years time.

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I am being sued for a vehicle I let go back two years ago because I couldn't afford the payment what can I do.

James's answer | Answered on April 02, 2014

You will want to consult with a debt settlement / bankruptcy attorney to explore your options. They are suing you for the deficiency balance on...

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What statutes are applicable to a hotel holding my credit and debit cards' balances hostage 11 days after checking out?

James's answer | Answered on March 26, 2014

I think most attorneys on here will agree -- stop worrying about what damages, if any, you can get from the hotel until later. Focus on your board...

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Are credit counseling dmp legit or should I just try bankruptcy

James's answer | Answered on March 26, 2014

Take up a debt settlement and bankruptcy attorney on their free consults. Yes, credit counseling is on option, but when dealing with insolvency...

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Should I just file bankruptcy??

James's answer | Answered on March 24, 2014

Do not file Bankruptcy for $5k in debt. Use that money and settle out with your two creditors. The discrepancy between the cost of filing bk and...

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Collecting on debts after a BK has been completed.

James's answer | Answered on March 24, 2014

Taxes are dischargeable under certain criteria - however, its not an automatic discharge. You should contact your bankruptcy attorney to see what...

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If a debt collector admits in writing that he could not get verification from alleged creditor does it toll SOL of FDCPA?

James's answer | Answered on March 24, 2014

If you are asking if it is too late to pursue an FDCPA violation, then go see an attorney now. Stop wasting time posting on the forums. Attorneys...

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I have a collection company calling me about setting up payments & they say the are serving me with papers but when I call them

James's answer | Answered on March 24, 2014

You should consult with an attorney its free. If this is in fact a pay day loan, they always threaten to serve people with papers. There are too...

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What is the worse debt collectors can do to my future?

James's answer | Answered on March 20, 2014

Assuming the Statute of Limitations has not run, a debt collector can sue you for the $8k, if they win, they can garnish your wages, take money...

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I got served a earnings withholding order at work and I never was served any documentation prior to this. Can I fight this?

James's answer | Answered on March 19, 2014

You can set aside the judgment from improper service, but that doesn't mean the matter is tossed. You will have to go in and defend the action if...

James Liu's Answers (359)

When bad credit judgment has been entered how much interest can be charged until the amount is paid in full?

I am being sued for a vehicle I let go back two years ago because I couldn't afford the payment what can I do.

What statutes are applicable to a hotel holding my credit and debit cards' balances hostage 11 days after checking out?

Are credit counseling dmp legit or should I just try bankruptcy

Should I just file bankruptcy??

Collecting on debts after a BK has been completed.

If a debt collector admits in writing that he could not get verification from alleged creditor does it toll SOL of FDCPA?

I have a collection company calling me about setting up payments & they say the are serving me with papers but when I call them

What is the worse debt collectors can do to my future?

I got served a earnings withholding order at work and I never was served any documentation prior to this. Can I fight this?