Archived
I have a credit card with 20% interest rate. It got a judgment against me. What interest rate will I be paying?
Richard's answer
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Answered on May 25, 2014
10% simple interest. The interest runs on the judgment, not on the underlying debt.
Archived
Our HOA sent us a late fee notice on a payment, made in June of 2012. Can the HOA wait 2 years before charging a late fee
Richard's answer
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Answered on May 24, 2014
Pay it, and then sue for a refund in Small Claims Court.
Is it OK to deliver demand letter for money owed at work place? Is it OK to serve papers at work place?
Richard's answer
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Answered on May 23, 2014
Skip the demand letter. Just file and serve the Small Claims.
Your emails are your demand. If you write him a letter telling him exactly what...
Archived
Is there a time limit for a creditor to collect on a default judgement against me?
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Answered on May 22, 2014
The Statute of Limitations affects the date when a lawsuit must be filed. If the lawsuit is filed within the SOL (or later if you do not raise the...
Archived
Can I rescind a stipulation on a questionable contract- JDB's alleged account is diff fm what is shown on their Bill of Assignmt
Richard's answer
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Answered on May 21, 2014
This forum is a good sources for answer to general legal questions but it is not a substitute for an attorney reviewing the documents and the...
Selected as the best answer
Archived
Is our chances slim to none if a debt collector used tactics like jail and body attachment to receive funds for a payday loan?
Richard's answer
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Answered on May 20, 2014
Do you know the real name, not an alias, of the person with whom you spoke? His/her real address, not just a PO Box? I doubt that you can find...
Does the statute of limitations on a Heloc loan in California start from last payment or date of maturity?
Richard's answer
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Answered on May 20, 2014
Do not believe anything that a debt collector tells you, especially if it is legal advise. The SOL starts at the date of default or breach. It...
Archived
How to respond to a "Clark's Notice of Entry of Judgment and Notice Re Exhibits/ Deposition
Its a credit card debit
Richard's answer
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Answered on May 17, 2014
Time to get a lawyer involved. A good lawyer, experienced in representing consumers in debt collection cases, may be able to resolve this now, and...
Archived
Do I need an attorney to fight a collection agency who is trying to collect money for an impounded car I sold 8 months prior?
Richard's answer
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Answered on May 17, 2014
You should probably consult a lawyer now. The lawyer can evaluate the specifics of your case and respond to communications from the collection...
Archived
Can I lien a persons catastrophic adjusters license in order to get my judgement paid by them?
Richard's answer
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Answered on May 16, 2014
No. It is not an asset that can be sold at an auction.
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