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Consumer protection

Debt collector suing me but didn't include a signed contract for proof. Can this be thrown out because of that?
Asked in Atlanta,  GA Jun. 26, 2018 ,  1 Answers

Being sued by Portfolio Recovery Associates for $2849 for credit card debt. Amount seems wrong. Exhibits they included were just two old statements, generic terms and conditions and generic bill of sale that doesn't specify my account as being included in the sale. No signed contract included. I'm t...

# 161
Can I still be sued for debt with no signed contract or specific BOS included in complaint?
Asked in Atlanta,  GA Jun. 26, 2018 ,  1 Answers

Being sued by Portfolio Recovery Associates for $2849 for credit card debt. I don't think the amount is correct. Exhibits they included were just two old statements, generic terms and conditions and generic bill of sale that doesn't specify my account as being included in the sale. No signed contrac...

# 162
Can someone who has no assets and only SS Retirement be garnished for credit card and car lease debts?
Asked in Mobile,  AL Jun. 26, 2018 ,  1 Answers

My 65 yo Father in Law has recently moved here with us from out of state. He was less than honest about his financial and income situation. His only income is his SS check which is around 1500.00/mo and he drew SS disability prior to turning 65. He accrued a large credit card debt and leased a vehic...

# 163
I currently own a home by Tenancy by the Entirety with my wife. Can a judgment lien be placed and foreclosed
Asked in Seattle,  WA Jun. 21, 2018 ,  1 Answers

The creditor appeared out of no where after 8 years with out any collection effort. Added in compounded interest and is in the process of trying to foreclose on my property. He received a decision that said he could sale my portion.

# 164
I was served notice from a debt collector who bought the unpaid credit card debt, seeking a civil judgment.
Asked in Mooresville,  NC Jun. 21, 2018 ,  1 Answers

In SC, what happens if I don't respond to this? Or, I cannot reach a payment agreement with the debt collector? I have military retirement, military disability and my normal pay from my job. I own no property in the county in which I was served. Thank you.

# 165
Can Military retirement levied from a bank account after a judgement in SC. It's consumer debt only. (Not VA disability)
Asked in Anderson,  SC Jun. 14, 2018 ,  2 Answers

If I retired from the Military and get a judgement against me for an unpaid credit card, can the money be taken from my bank account? This is not VA disability it's a military retirement pension paid monthly. I have consulted many lawyers and received conflicting opinions.

# 166
Can I force Sony to delete my personal data in messages on their system?
Asked in Napa,  CA Jun. 12, 2018 ,  1 Answers

The PlayStation messenger system does not have a means to delete already sent messages. PlayStation support refused to delete my messages containing personal data during a chat request. Their EULA/privacy documentation seems vague and doesn't quite explain this as far as I could understand it, and r...

# 167
Can a company garnish your wages if you've had a bankruptcy before and without a court hearing?
Asked in San Francisco,  CA May 16, 2018 ,  4 Answers

My mom had her wages garnished by some company and she got the case in the mail but doesn't remember what it is even for but believes it was for something that happened a very long time ago. My dad has filed for bankruptcy a few times and at least one of those times, it included my mother. I have th...

# 169
Hypothetical situation - bankruptcy
Asked on May 12, 2018 ,  1 Answers

Hypothetical situation for NY state, US. A woman founds a company selling TVs and seeks investment promising great returns. A colleague invests in her. The woman pockets the money and declares bankruptcy. In which case it will be a civil case, and in which a criminal?

# 170
In 2012, I purchased a voucher, on sale, for a digital photo-to-canvas transfer. The voucher says that the promotional
Asked in Ellettsville,  IN May 10, 2018 ,  1 Answers

promotional value of the voucher is good for three years (ending June 21, 2015) but that the paid value of the voucher never expires. I found my credit card statement with the purchase showing on June 28, 2012, and the company name is exactly the same as it appears for the current company, but I've ...

# 171
A lawyer called me about a credit card debt from 2008 said they were going to sue me I live in Monterey California.
Asked in Hayward,  CA Apr. 25, 2018 ,  3 Answers

Can they legally make me pay. He also said they are gonna serve me papers at the place of employment friday and I could possibly get fired

# 172
filed ch.13 now having hard time paying. if I had filed just regular bank. could a lien be put on life use of home
Asked in Candor,  NY Apr. 16, 2018 ,  1 Answers

Live in Croghan ny in live in life estate home my dad held deed he has since passed, do I own home now and court woud put lien on it I'm disabled and live on 750.0 and with me paying taxes that, 150;00 the court agreed on is getting hard and for that I wonder why my lawery did not file complete bank...

# 176
Can I find my car without reporting it stolen?
Asked in Sacramento,  CA Mar. 30, 2018 ,  1 Answers

I lent my car to my friend about 5 hours ago. He never returned and hasn't answered his phone. I am worried something might have happened to him or that he was possibly arrested. I don't want to report my car stolen though since I'm not sure that's what he case is yet. Can I call and inquire about i...

# 177
Predatory lending?
Asked in Missouri City,  TX Mar. 26, 2018 ,  1 Answers

I was seeking a personal loan to consolidate debt. I contacted personal lending group and a few hours later a group called MJM Lending (located in Florida) called and stated they were a partner of Personal Lending Group. They told me to call Compass Bank and apply for a loan because they did not wor...

# 178
Can a company avoid fraud charges and avoid paying back victims by filing for Chapter 7 Bankruptcy?
Asked in San Francisco,  CA Mar. 20, 2018 ,  1 Answers

A company named ASAP (American Standard Auto Protection) Auto Warranty was created as a fake company that advertised aftermarket auto warranties. They are filing for Chapter 7 Bankruptcy on April 6, 2018 in Brooklyn NY (not sure if this is the bankruptcy court date). Will the bankruptcy allow them t...

# 179
I'm in LA, CA. Received copy of "Request For Entry Of Default" form for Clerk's Judgment on a debt suit not served. Why?
Asked in Carson,  CA Mar. 10, 2018 ,  2 Answers

The debt agency filed suit but I've had NO summons / served papers delivered to me. I just received a copy of the form they filled out seeking entry of default / Clerk's judgment. Are they not following correct procedure?

# 180

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