Questions answered by Richard Scott Lysle

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Disputing an item on credit report, filed through equifax, because I never received a bill

Richard's answer | Answered on October 16, 2012

Their claim is past the 4 year Statute of Limitations. If they sue, you can defend on the grounds that the Statute of Limitations has run out. ...

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If I make a payment to a collection agency, they cash the check, can they keep the money and not apply it to loan?

Richard's answer | Answered on October 16, 2012

Have they actually filed and served a lawsuit, or are they just threatening. If they sue you, the worst thing that could happen is that they will...

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In California is it legal for an organization to assess late fees of 25% only 10 days after mailing their current bill?

Richard's answer | Answered on October 15, 2012

Pay the fee, document your situation in a letter, inviting them to respond, in writing, if they disagree. Then sue them in Small Claims Court.

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SPECIFIC docs a JDB have/obtains/uses in order to buy a JD & what docs PROVE proper chain of assignment from OC to JDB to JDB?

Richard's answer | Answered on October 15, 2012

This forum is not a good place to get help drafting legal pleadings and motions. You can get general advise here, but please do not ask someone to...

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I filed a motion to avoid judgment lien and put the current amount they say I owe which is 3k more than the actual amount

Richard's answer | Answered on October 15, 2012

If you are in bankruptcy, you should have a lawyer assist you. The way that you schedule your debts depends upon information that is not provided...

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Debt collection agency levied and obtained an order to garnish an account that is closed.

Richard's answer | Answered on October 14, 2012

Before you pay any money, you must have a signed, written agreement with the creditor and the collection agency. The agreement must include a...

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Can a Collection Agency have my license re-suspended due to a bounced check?

Richard's answer | Answered on October 14, 2012

What kind of debt? Was it child support? Was it a court fine? Why was your license suspended previously? Is there a probation condition...

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Can i sue for harassment, threatening to put e in jail and unauthorized charges?

Richard's answer | Answered on October 14, 2012

Is the creditor threatening to turn the file over to the District Attorney? Or has law enforcement contacted you? Is it a collection agency using...

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We received a notice that a laywer named [Name Removed by Avvo filed an attempt to collect order against my husband.

Richard's answer | Answered on October 14, 2012

You may have defenses to the underlying lawsuit. You may have a basis for suing the creditor for violation of either or both the California or...

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Can you explain? 2/26/13 - OSC - 3.740 COLLECTIONS PROOF OF SERVICE

Richard's answer | Answered on October 11, 2012

The class action suit will not affect the lawsuit filed against you as an individual. You have the case number. Were you served with Summons and...

Richard Scott Lysle's Answers (4385)

Disputing an item on credit report, filed through equifax, because I never received a bill

If I make a payment to a collection agency, they cash the check, can they keep the money and not apply it to loan?

In California is it legal for an organization to assess late fees of 25% only 10 days after mailing their current bill?

SPECIFIC docs a JDB have/obtains/uses in order to buy a JD & what docs PROVE proper chain of assignment from OC to JDB to JDB?

I filed a motion to avoid judgment lien and put the current amount they say I owe which is 3k more than the actual amount

Debt collection agency levied and obtained an order to garnish an account that is closed.

Can a Collection Agency have my license re-suspended due to a bounced check?

Can i sue for harassment, threatening to put e in jail and unauthorized charges?

We received a notice that a laywer named [Name Removed by Avvo filed an attempt to collect order against my husband.

Can you explain? 2/26/13 - OSC - 3.740 COLLECTIONS PROOF OF SERVICE