collection agency harrassment

I have not been taken to court so there is no judgement against me. Is it legal to get my bank account number over the phone by this collector? He told me I had to give it to him and I did. The hospital bill was about $3,000 and I now owe $1,777.He took money out of my bank account.Is he allowed to do this without a written statement or signature? I don't know what to do. I have been trying to the pay the bill but am still getting threating phone calls. This hospital visit took place in another state which I do not live in. He is calling me at work and leaves messages on my cell phone. What can I do about the phone calls. This is very upsetting and disturbing. I can't afford the amount of money he took from me. Can I pay what I can afford to pay? I have no money in the bank at the moment. Thank You.

Debt Collections

Can a collection agency garnish wages or freeze you bank account for a debt that is 9 years old and no longer on any of the 3 credit repoters. I have also not received any written communcation from them. They said the do not mail notices but the credit card company has been trying to get in contact with me since 2000.

Business Debt

I have a 1 person tiny business. I have been contacted by a collection agency about a $1,100 debt they claim I owe. I have responded to them that i am not responcible for the debt. They are now threatening me with legal action. I told them i would like to take my chance in small claims court and let a small claims judge hear my side, and make a decision. they asked me for my attorney's phone number. i told them that i don't have one and that it is my understanding they can only take this case to small claims court, where attorneys are not allowed. Am I right in thinking that this can only be heard in small claims court? or can they sue me in civil court? Again the collection is for only $1,100. Thank you

garnish wages

My husbands house and vehicle from a previous marriage have been repossessed. Can these companies touch his wages as a result of this?

Threatened by lawsuit for gifted car

An ex boyfriend of many years purchased a car for me while we were dating. About a year after we broke up he contacted me asking me to pay him back for the car. As we had never discussed this was a loan or had any agreement, contract or security interest in the car I refused.

Recently a lawyer sent me a letter stating that he planned to collect this as a debt. I replied that it was a gift and asked for proof of debt as the letter stated I should.

I just got a letter today with a photocopy of the check for the car (from him to the dealership) and a statement from the lawyer saying that If I don't respond in ten days that they will advise their client to take appropriate legal action.

Is this sufficient proof of a debt? How should I respond?

Thanks!

property protection questions

I've been served a summons to appear in court to deal with a past credit card debt. My questions are: Me AND my wife have aquired all of our personal property together, using monies made by the both of us as a married couple. Our 3 vehicles, 1 boat, 1 motorcycle, 1 enclosed trailer are titled as ''or'' instead of ''and''. Even though it is listed as ''or'', it has always been presumed that we have held the property as TBE - It is as much hers as it is mine. If we were to change the titles from ''or'' to ''and'', would that be considered a fraudulent conveyance to shield assets from creditor? Also, the Florida Supreme Court makes the presumption that jointly owned property purchased and owned by the married couple is considered to be owned as TBE. Is that also true?

car action off by impounder .

I later found this out. should I have to pay the outstanding car loan or should the impounder who recieved the money from the auction.

cosigning on a car loan

What happens to the cosigner on a car loan when the other person defaults on that car loan? Does it make a difference if there is a restraining order on the person that is defaulting on the loan, to stay away from the cosigner?

medical bill

I received hospital bills for 3 seperate services. Another one I didn't find out about till 2 years latter from a collection agency. I think it is irresponsible not to send a invoice and then sell it to a collection agency who then charges interest. I feel it is a deceptive practice that bypasses patient rights. Do I have a case here? If this is a common practice is it worth class action

Can my wages be garnished?

I have a 2001 Ford focus that i purchased in 2002. I have been paying on it since then. My interest rate is crazy high @ 29.9% so I have paid them almost 20grand on it and still owe 6,000.

My engine just broke on it and I have taken it to 3 dif. mechanics. All said this engine was only made for one year and Ford stopped making it and is hard to find.,also that the same thing has been breaking in all 2001 focus SE model. If they cant find the part for less than 1,000 I cant afford to fix it and keep paying for it just to break again. If i tell them to pick it up can they garnish my wages for what i still owe or hold my income tax check from me? I really need to have a car I can drive. It has been 2 months and my mechanic said he still can not find the engine. He found only one this whole time and it cost 2200 and i so could not afford that. He also said that id i look up this car I will see how dangerous this engine is and that it is not worth fixing due to the hazards.

credit fraud?

if an employer says they are going to open up a corporate account for an employee, and gets a ss# and checking account # for verification purposes for the new account, and then there is a charge for $149 on the employee's checking account because the employer used one of those bad credit - credit card services to try and open an account (even though the employee has good credit) - is this considered financial or cc fraud by the employer? the cc company name that the employer tried to open an account was USA Credit.

Car

i co-sign on a car,in d beginning payment n insurance were made on time, fews months ago payment were made late n no insurance on d car. as a co-signer to this car,i can't afford to make payment on d car or even put insurance on it, i need to know what i have to do to some how protect my credit, if it ruin already what can i do to at least protect it.

qick claim deed

Can you do a qick claim deed on your home to stop fourcloser

Affirmative Defenses

I was served with a Civil Action Summons and a Civil Action Complaint from a credit card company for $17,500.

I am in the process of filing an answer to a complaint to the superior court of NJ

I owe half the money with the balance being lawyer fees.

Do I have any Affirmative Defenses in this case? Should I leave that section balnk?

My preference would be to settle and go on a payment plan

Debt Collection

While I am currently working with a Debt Resolution firm, because of a time constraint, I am required in the mean time, to answer a summons. Can you give me a sample, or suggested response? Our intent is to buy time for the Debt Resolution firm to continue negotiations with the plaintiff's attorneys.

accounting of assets

My wife and I have a joint bank account and she is a primary holder with her SSN on it, appears on her tax return only. If the debtor is going against my assets in the lawsuit against me, would this be possible for the debtor to find and put a lien on this account? Thanks!

ownership of debt c/o virtual

what is best defense against debt ''assignment?'' CA claims to be owner of debt by ''virtual assignment.'' Is ''assignment'' a purchase agreement, contractual purchase, represent creditor directly? Does a NJ ''hearsay'' rule of evidence apply to direct ownership of debt?Does ''assignment'' indicate first hand knowledge of a debt? Is assignment of debt legal grounds to sue for collection? Does the assignee have to provide original creditor contract to validate debt during discovery?

statutes of limitations

I have a judgement against me in 4-02. I owe money in this judgement, is there a statute that will relevee me of this? They have taken no action to retreave this money. Is there a statue of limitations

Debt Collection

A creditor has hired an attorney to collect a debt I owe of $17,000. I have not made a payment in a few years. I am willing to make monthly payments if the interst is removed so the amount will be less amd my payments will reflect an actual reduction on my debt. I have been told that unless I respond, action will be taken locally where I live.What does this mean and what are my options?

Garnishment

In nov. I had a judgement to garnish my bank acct. I have since paid a settlement though a re-fi. How can i be sure any futre deposits can't be touched?