Questions answered by Richard Scott Lysle

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Can a debt collector garnish your wages, even though you did not receive any documents. Served papers to a stranger not me.

Richard's answer | Answered on October 23, 2015

Because their process server filed a Declaration stating that you were served, they can garnish. What you can do is to file a motion to set aside...

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I have a question regarding an item on my credit score and how to go about fixing it.

Richard's answer | Answered on October 23, 2015

"Legal item" may mean that you were sued and that a default judgment was entered against you. Get the court case number of this item and then...

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Proof of creditor's receipt of check issued directly by bank

Richard's answer | Answered on October 22, 2015

Send them a demand letter, fully explaining that you paid. Include copies of your supporting documents. Ask them to respond if they disagree with...

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Someone that my 42 year old son owed money to, put a mechanic's lien on my property. This debt is not mine, my son not on deed.

Richard's answer | Answered on October 22, 2015

Was any work done on your property? Did a licensed contractor provide labor or materials to do a work of improvement on your property? Did your...

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I wrote a $1000 check to a contractor that bounced (NSF). Now a collection service is trying to collect the amount.

Richard's answer | Answered on October 20, 2015

It is a two party check. You wrote Check #2 to replace Check #1. You never told the market that #1 was a good check. You are in a much better...

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I had a credit card company get a default against me at an address I did not live at, can I sanction the company?

Richard's answer | Answered on October 20, 2015

Probably not. The plaintiff will claim that it made a mistake and that you failed to inform them of your new address. However, if you have a...

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Can I file a Mechanics lien?

Richard's answer | Answered on October 19, 2015

After you record a Mechanic's Lien, you will have to file a civil lawsuit to foreclose on the lien, using an attorney, within 90 days, or your lien...

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What is a CLASS ACTION SETTLEMENT CLAIM FORM?

Richard's answer | Answered on October 17, 2015

It will not cost you any money. What the notice means is that, unless you opt out or fail to submit the claim form, you will receive something. ...

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I settle a debt with a collection agency. They have not changed the status on my credit report and it's been a year. Can I sue?

Richard's answer | Answered on October 14, 2015

Do you have a written settlement agreement with Unifund? Does that agreement cover credit reporting? Does it cover your tax liability if they...

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We had all of our money taken from bank accounts for a judgment I didn't know about can they keep taking it?

Richard's answer | Answered on October 14, 2015

You should go to the courthouse (or access images of the filings online, if that is possible in your county), and get a copy of the Proof of...

Richard Scott Lysle's Answers (4384)

Can a debt collector garnish your wages, even though you did not receive any documents. Served papers to a stranger not me.

I have a question regarding an item on my credit score and how to go about fixing it.

Proof of creditor's receipt of check issued directly by bank

Someone that my 42 year old son owed money to, put a mechanic's lien on my property. This debt is not mine, my son not on deed.

I wrote a $1000 check to a contractor that bounced (NSF). Now a collection service is trying to collect the amount.

I had a credit card company get a default against me at an address I did not live at, can I sanction the company?

Can I file a Mechanics lien?

What is a CLASS ACTION SETTLEMENT CLAIM FORM?

I settle a debt with a collection agency. They have not changed the status on my credit report and it's been a year. Can I sue?

We had all of our money taken from bank accounts for a judgment I didn't know about can they keep taking it?