Archived
My husband is being sued in small claims for a medical bill we cannot pay. they have included me (his wife)
Richard's answer
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Answered on April 05, 2013
First, send a letter, certified mail, to the debt collector disputing the debt, stating that you were not married at the time, and asking them to...
Archived
Old Credit Card: What do I need to do? Write a debt validation letter?
Richard's answer
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Answered on April 05, 2013
You have a good defense if they want to sue you. You also have a possible lawsuit against them if they try to affect your credit.
Write to...
Archived
Ex stopped paying for motorcycle, now it's affecting my credit. Bank hasn't repo'd and it's been defaulting since October 2012!
Richard's answer
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Answered on April 05, 2013
The repo will not wipe out you obligation to pay the balance owing. It will only reduce the amount if the bike is sold at a repo auction for more...
Archived
I got a summons and made arrangement with collector for payments. Do I still need to respond to the 30 day window?
Richard's answer
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Answered on April 05, 2013
No. First, the agreement must be in writing, signed by an authorized representative of the creditor. The written agreement should provide that...
Archived
Can a collection agency report a debt as a new debt with a new open date?
Richard's answer
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Answered on April 05, 2013
It appears that the debt collector may be acting in violation of the Fair Debt Collection Practices Act and of the Fair Credit Reporting Act, but...
Archived
RE Agent is asking us to release a lien on previously owned property (was deeded to ex-husband). The lien is for $80,000
Richard's answer
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Answered on April 04, 2013
You might ask that someone, such as the agent, post a bond for the amount. Or the agent can give you a lien on some other property. Or, you can...
I have a chase credit card in collections ($4,500) and I currently bank with chase, can they levy my account without a judgment?
Richard's answer
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Answered on April 04, 2013
I would need more information in order to properly advise you. You should read the account agreement and the credit card agreement, for starters. ...
Archived
Hi, I got a summons for a default cc and car loan. I arranged monthly payments with creditor. Do I still show up to court?
Richard's answer
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Answered on April 04, 2013
Yes, you do need to file an Answer. One of your defenses to the lawsuit is that you entered into a settlement agreement. Was that settlement...
Archived
Should I take my name off a joint car title? I have a default judgment from 2007.
Richard's answer
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Answered on March 29, 2013
If you are asking for assistance in effecting a fraudulent conveyance, you posted in the wrong place. Instead of getting into more trouble by...
Archived
In Sacramento, CA and getting sued by a debt collector, but papers not served...
Richard's answer
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Answered on March 29, 2013
You should definitely consult an attorney right away. The papers filed with the court may show an address where the plaintiff believes that you...
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