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Debt Collection
Securing payment from consumers for purchases made on credit
Total questions 8700
Can a bank seize funds from a checking or savings account for money owed on the bank's credit card without a court order in Texas?
Yes, it is referred to as a "set off" action.
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If you are sued by your creditors in Canada and you have a civil law suit will it affect your immigrant application in the US?
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Can a debt be erased if a phone company cannot find your information in their system and says the debt is in collections but collections say they sent it back to the original company?
That would be a decison that would need to be made by the court.
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How do you avoid paying the interest charges on a judgment for 5000 that has been in affect for 5 years?
The only thing you can do is to make an offer to the person or agency that hold the judgement against you. But you should know...
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If you are authorized user on your husband's account and he is going to file bankruptcy will the collection still hold you responsible?
Yes, if you reside in a community property state. No, if you reside in a state that is not CP. This does not mean a...
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Will you be responsible for your dead husband's credit card debts that he had before you married?
No.
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Can a credit card company intercept your income tax refund?
No.
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What recourse does a collection agency have on a debt that is twelve years old?
This is the SOL, ( statute of limitations for State Oral Agreements, Written Contracts, Promissory Notes, and Open...
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What is a Restraining Notice with Information Subpoena on a bank account?
It is used by a judgment creditor to freeze the assets of the debtor and to find out what assets the debtor has.
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Can a collection agency go after a student when the original 1998 unsecured non-governmental student loan was discharged through a parent's Chapter 7 bankruptcy?
Yes, if the student signed the loan papers too. Just because the parents took the loan down thru the Bankruptcy doesn't mean the...
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Can collection agencies add fees and interest to accounts in Wisconsin?
Yes.
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What information do you need to be able to send someone to collections?
All the information pertaining to the debtor such as, full name, home address, place of employment, SSN if possible, and any...
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How long does a judgment last?
Until it's paid. More Opinions Judgments are valid from 5-20 years depending upon the type of judgment rendered. Most...
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Can the amount of a past due credit card balance be reduced?
Original creditors will not accept a settlement for less than the amount owed. Collectors who purchase an account will usually...
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In Florida can creditors collect from the deceased's estate when the house is held as a trust?
No.
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When men entered the military during World War 2 were their debts suspended until they returned?
Most people during WW2 didn't have much debt. If someone had a home loan, the bank would usually work with the soldier while he...
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What is the law that states a collection agency cannot call your place of employment?
There is no law that states that a collection agency can not call your place of employment. BUT, once you have informed the...
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How do you consolidate credit cards after a prison sentence with no idea how many different cards you had or the balances?
Contact one of the 3 credit reporting agencies, such as Equifax, and all of the outstanding credit accounts you have will be...
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Can a creditor continue to pursue a debt after a court has dismissed with prejudice the suit to collect the debt brought by company who sold them the debt?
what's the use of the court dismissing the debt, if it doesn't change anything or it doesn't stop the creditors ,from continuing...
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Once in a 3rd party collection agency for a hospital bill is there any way to go back to deal with the hospital directly to make payment arragements?
No. Collection agencies are vicious. Once they get their hooks into you nothing is going to stop them from belittling you,...
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How do you contact Whitetail Finance Co?
Whitetail Finance Co. Here goes some contact info on them: Whitetail Finance Co.516 West Main StreetSterling, CO -...
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What happens if you dismiss a summons?
It depends on what the summons is for. You may have a warrant issued for your arrest or judgement may be entered in your absence...
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How do you find out where Social Security checks are being mailed?
That information is available to the person who is receiving the benefits or his or her appointed payee, or a government agency...
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How long can someone pursue a debt?
Under the statuate of limitations, if there is NO contact between a debtor and a lender for 6 years, then the debt becomes...
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Can the IRS garnish a Veterans pension?
no a veterans pension is not garnishable
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Statute of limitations to sue for a debt in pennsylvania?
I have done a ton of looking around and it turns out, its 4 years from the date of last payment. I myself am being sued right now...
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If you have a lien on one house and it is going into foreclosure will and we have a second house will anything happen to the second house and can they garnish your wages?
Did you record a Homestead on either house?
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Can a bill that was never received be collectible after 21 months?
Absolutely. Your not really suggesting you think by claiming (or even actually) not receiving mail (for some period) means...
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Can a collection agency check your available funds in your checking account and be able to draw out money without you signing a form at the bank allowing them to do this?
No, and please NEVER EVER! give a collection agency ANY personal financial information. Not your place of employment, other...
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What can you do when a credit card account has been turned over to a lawyer for collection and the lawyer gives out your personal info to a family member who is not on the account?
this infraction is a major no-no! the infraction by the law office is what is called "3rd party disclosure" and is a punishable...
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How does one go about trying to convince a collection agency and creditor that a charge is not owed when the charge really is not owed?
If you can prove it with receipts, cancelled checks or other documentation go to a lawyer and sue for harassment. Make it a...
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What happens if a bank sues you but your income does not even cover your basic needs?
Filing for bankruptcy, sadly, may be the only reasonable way, depending on your credit score. depending on the size of the...
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Can you pay a debt to the original company once it has gone to collection?
The only person that can accept payment once an account has been charged off is the purchasing agent. When a collection agency...
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Can you be held liable for a deceased credit card debt if you made the minimum monthly payment for them and were not a joint holder?
No, making a payment(s) on someone else's debt does not legally obligate the payer to continue to pay or to assume the debt as...
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Can a lawyer garnish your wages after the creditor has written it off as a charge off?
Absolutely, but he must obtain a judgment first.
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Would creditors bother you for unpaid credit card bills a car loan 1 month of electricity and phone bills after 5 years if you could not pay off the bills due to a bounced paycheck?
Sorry to be the bearer of bad news, but "bother" would be an understatement. Creditors really don't care what the debtor's...
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Can a creditor place a lien against your home in the state of Ohio?
Liens against a persons home in Ohio. Of course a creditor can place a lien on your home if he or she has a court ordered...
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Is there anything a credit company can do to a person for non-payment if that person has absolutely no assets and no money?
Well, they could sue you and win a judgment that entitles them to future earnings. They could garnish your wages if you're...
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Can collection fees be added to the original debt amount?
Yes
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Can a credit card company take all of your money out of your account in Minnesota without notifying you?
No, creditors must follow the proper legal procedures according to the laws of the state where the debtor resides. There are...
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Is a cosigner responsible to pay a credit card debt if the credit card limits are increased from what was originally cosigned?
The creditor would likely claim the cosigner is still responsible, but unless it is in the original agreement that such increases...
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Will creditors or collection agencies in Canada still be able to take your assets even when you are already residing in the US?
Generally speaking, creditors and collection agencies in the US cannot take property or assets that you have unless there is a...
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Can creditors take your home?
States establish laws that determine what real and personal property can be attached or seized and sold by a judgment...
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Should members within a family lend each other money?
Loaning Money to Family Members Only if you're prepared to forgive the debt with no ill will to maintain the relationship if...
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Alabama - If spouse is being sued for his own credit card debt and you own a house together would it be a good idea to do a quitclaim deed for you?
yesget the quick claim deed
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How can a bank freeze your account that is in another bank?
By a court order requesting the account be "frozen" until the judge rules on what if any of the funds are subject to levy by a...
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Can a collection agency refuse payment?
They can, if the payment offered is different than their demand, but only a poor;y run collection agency would refuse payment. ...
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What do you do if you have made payments to a CA who closed the account and the new CA says it will not accept partial payments or a payment plan?
They're playing hardball with you. A collection agency buys a debt for pennies on the dollar and earns money by trying to...
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Can a 3rd party collection agent come to your home in Virginia?
Yes. There are no laws which prevent a collector from making a personal visit to the debtor's residence. As with all...
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Can a collection agency charge interest of 1030 to a charge off account that has been paid down to 700 from 4514 but you missed two months?
The collection company has probably charged interest sincethe day they received the account. The interest rate can differ from...
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Can you make payment arrangements to pay a pay day loan and then stop payment on the check so you are not charged bank fees?
You will be charged bank fees for stopping payment on a check, but you might be able to talk to the bank to avoid fees for...
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In Arkansas can a collection agency sue you if the original creditor accepts payment on the debt?
If the debt was sold to a collection agency and the original creditor accepted payment AFTER the debt was sold, the money does...
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Does a collection attorney by law have to provide an account statement with a break down of charges or only a total to the debtor?
you need to do a google search for fair debt collection act that will tell you all you need to know
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What happens when you have a judgment entered against you?
The judgment creditor dockets the judgment with the clerk of the court and then proceeds to enforce it in whatever manner is...
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Is there a maxiumum amount per month allowed by state law that a hospital can collect on a medical bill in Washington State?
No, there are no laws that regulate monthly payments on such a debt. Hospitals are usually agreeable in working with the...
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What can you do if your bank account has already been frozen and you need the money in the account to pay back some of your debt?
Pay at the flight counter during checking time
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If you are paying 100.00 monthly on a 1500.00 hospital bill is it legal for them to send you to collections?
I dont know what state you are from, but in Indiana as long as you are paying something then they aren't going to do anything....
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If you are willing to make payments on a debt can a collection agency refuse the payments and continue to harrass you?
A collection agency is not hired to get the amount paid in payments they are paid to get the amount in full. At this point the...
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What to do if a creditor still says that you owe them after a cancellation of debt?
creditor contact after debt cancelled Ask the creditor to send you written verification of the debt including all of their...
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If you didnt get the bill and you came to know that you have to pay the bill when your credit was checked what to do?
Duh, does the term "pay the bill" come to mind?
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What is the statute of limitations on credit card debt in Kentucky?
5 years, open end ! Says what Case Law? Collection Agencies and Attys for them go for the "written contract" SOL which is 15...
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Is New Hampshire a community property state?
No. In the United States there are ten community property states: Alaska, Arizona, California, Idaho, Louisiana, Nevada, New...
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Florida Statute of limitations on debt judgement in a divorce?
Is there a Statute of Limitations in the State of Florida on collecting of a judgement that was awarded in a divorce case? If so,...
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Can a collection agency contact parents about adult childs debt?
YES!! They will also contact anyone else you have used as a source of contact(s).
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How do you resolve a bounced check?
You contact the person or business you wrote the bad check to and you take the money to them and pick up your bad check.
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What can and cannot be garnished from your retirement?
Monthly child support payments can be garnished from retirement.
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What is the statute of limitations for old bills in california?
Go to they have more than adequate information regarding this. MM
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Can a debt collector try to collect a debt from me just because i have the same first name as the person who owes the debt?
nope. I would think a debt collector would base his actions on more than a first name. ie. lastname, middlename, social security...
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What is the difference between an expenditure and an expense?
Both are nouns. However, expenditureis commonly used in reference to time--an expenditure of time. Expense is commonly used in...
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If an item line of a contract is changed and not initialed by both party's is it still a valid contract?
No. It is no longer valid.
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Can a credit card company collect on a charged off account after 7 years?
Your state's Statute of Limitations law will provide you with the answer to that question. Charging off a debt is essentially...
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If a lien was put on your property and your wages were garnished and then after 6 months the garnishment stopped and nothing else was taken out is the debt considered paid?
Perhaps, or the ganishee may reside in a state where the garnisher is required to refile for a writ of garnishment after the...
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If a credit card company won a judgment against you what can they do if you can't pay them?
A judgment can be executed against non-exempt property belonging to the debtor. Most creditors prefer wage garnishment or bank...
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How soon after losing a case in small claims court can a creditor freeze your bank account?
A definite answer is not possible as there are many variables. The judgment creditor must locate the bank account, file the...
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How can you stop a judgment against you?
The only way to avoid having a judgment entered against you is to show up on the hearing date of the lawsuit with a valid...
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Can they find you if you were going to be made bankrupt but moved to another country?
A person can be tracked nearly anywhere on the globe these days, even those who try to conceal their identity. You're best bet...
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How does one find out if she owes money to collectors?
Check her credit report, she can provide one free at annualcreditreport.com
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Can a creditor force you to sell your car?
If the creditor wins a lawsuit judgment against the debtor he may be able to execute it against a vehicle belonging to the debtor...
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Can a credit card company go after you for money forever?
As long as you have the debt, there is no expiration date.
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If you have about 50000 of credit card debt that is 10 years old and you have not filed for bankruptcy does the debt still have to be repaid?
It depends on if the debt has been charged-off. Typicall after a debt is charged-off the original creditor has a specific time...
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If you received a summons in the mail for a credit card debt that's over 6 years old but it does not give you the address of the court to answer is this a valid summons from a debt collector?
A lawsuit summons be an official document that has the name of the court, the docket or case number, the name of the plaintiff...
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Can collection agencies double your interest rate?
Read the contract. If the contract says they can...
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When you go to pretrial for a credit card debt can the courts take your car or bank accounts or force garnishment of your wages and should you get a lawyer?
The "pretrial" designation is a bit confusing as that is not a part of the civil lawsuit procedure. Nevertheless, the court...
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Can a collection agency obtain a judgment for a charged off credit card once the 7 years have passed?
The 7 year designation relates to the time a negative entry can remain on a credit report not to collection procedures. A...
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Once a debt is given to a collection agency can you get the creditor to take it out of the creditor's hands?
Once a debt has been sold to a collection agency, that agency owns the debt. Now it would be between you and the collection...
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Can one go to jail for unpaid medical bills?
No. There are many adverse consequences of unpaid medical bills, including lawsuits and wage garnishment, but you cannot be...
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How do you pay a collection account?
Have the collection agency send a written agreement accepting the settlement or payment amount agreed upon BEFORE rendering any...
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What do you do if creditors are hounding you but you don't have the money and you have already had a chapter seven?
Send a registered letter to the creditors stating name of Attorney and firm, Mailing address, phone number, case #. Without this...
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What do you need to become a Repoman in the state of Arizona?
no self esteem
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Where can you find a sample of a hardship letter to a creditor?
I don't believe there is any sample letter. I tell my customers to write a simple letter stating the facts. If it is simpler for...
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In the State of Arizona is it legal for creditors to contact a debtor on Sunday?
Yes, there are not laws which prevent a creditor or debt collector from contacting a consumer/debtor on Sundays or holidays....
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Can a company that provided services that were paid by your home insurance company try to collect funds for a miscalculated estimate on their part after 7 years within the State of California?
No.
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Does the statute of limitations on unsecured debt still apply if a creditor filed a summons for a lawsuit but never pursued it?
There is not such an action as "filing a summons", perhaps what is meant is filed a judgment. Creditors have for the most part...
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Can a debtor who is unable to repay a loan have their Social Security or pension benefits garnished by a creditor who wins a lawsuit judgment?
All Social Security benefits and most private pension benefits are exempt from creditor attachment. States establish laws which...
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Is it legal for a creditor to call your parents' residence to get information and send a message to you when the number was not given to them?
It's legal for them to contact the debtor's parents on a one time basis to obtain contact information for the debtor. The parents...
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Can a safe deposit box rented by two people be frozen by debt collectors?
In most circumstances yes; it would require a court order and the non debtor box holder would have the opportunity to offer proof...
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Would a creditor come to your home country of Indonesia and sue you if you have 30k in debt from the US?
He doesn't need to come to your home country. The creditor only has to petition the US court, get a judgment against you and...
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Can a creditor report an account current for years and then change the records to show a delinquency?
Yes, if the delinquecy did happen and they were correcting their error.
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Who is responsible for the deceased's credit card debt when probate procedure is not required?
If the estate is not subject to probate procedure the personal representative should inform creditors of the death of the person...
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How long does a negative account stay on your credit report after you have paid a debt to a collection agency?
bad credit length usually 7 years, the trick is to get your credit report every year and dispute each item on it. When they...
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