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  1. M

    Collection Agency Being Unlawful?

    First of all, was a judgment obtained against you? If so, then it is possible to garnish wages and in most jurisdictions that I am aware a write of execution needs to be filed and a copy is sent to your employer who is supposed to answer within a short period of time that is prescribed on the...
  2. M

    can't stop collections

    You should immediately document everything and send a letter, certified return receipt, to the club and to the collections that disputes the debt. Do you want to still be a member at this club? You are also probably best to explain what happened and that if they do not correct the mistake...
  3. M

    repossesion of auto

    I'm confused. You need to give us all the facts. You bought a jeep on 12/14. You were told that you were to make a deferred payment on 1/3. When did you lose your job? Was it in the 2 weeks in between? If so, that still doesn't explain why you didn't make the payment or call the company to work...
  4. M

    Divorse and car loan

    There is a problem. The statute of limitations may not apply here and I'm wondering whether there is a judgment. You have cosigned on a loan and therefore are liable the same way that he is. You need to know when the ex defaulted on the loan to begin to calculate the statute of limitaitons.
  5. M

    Collection put on report after 5 years

    I'm wondering if the statute of limitations has expired on the collection. When was the debt due? If it's not within the statute of limitaitons, my advice would be to settle as the collections agency will likely take less and the whole problem can go away on a debt that you know you owe -- plus...
  6. M

    Never received prior notice for collection

    The credit report states the facts regarding your history. Unless there is a mistake, technically the reports are true and you should take this up with your neice. What I'm wondering is how and why such a late payment would show up on your credit reports. That would be unusual.
  7. M

    Slavery or real debt?

    I'm confused and unsure what white collar slavery means and how it relates to your case but I certainly sympathize with your pain regarding the sale of a service that may be a sham. I'm not quite sure I understand completely what the company does except somehow generate "exclusive leads"...
  8. M

    Auto Loans Several months behind on Auto Loan in Texas

    You may want to contact the company to see what you can work out. If you can work something out, make sure that when you mail in payments that it includes a letter that documents the agreement made. Don't have a postmark in the place that you are staying! Good luck!
  9. M

    CALIF law re: non paid personal loan

    It sounds to me that this will likely fall under the statute of limitations. You may want to request more information. You will also likely want to file a "motion to dismiss" based upon the fact that there is insufficient evidence prsented that, on its face, the obligation is even yours. What...
  10. M

    9 year old parking ticket

    As far as I know there is no statute of limitations on parking tickets in most states. If they sent the ticket to the wrong address you may be able to fight it at the Department of Motor Vehicles and have them reduce the fines for you. However, be prepared that you are supposed to keep your...
  11. M

    8 year old parking tickets. Is there a Statue of limitation

    In many states there is no statute of limitations for parking tickets. If you have a PA state license you may have a lien placed on your registration. This is something you may want to clear up as soon as possible.
  12. M

    1/4 million in bad checks

    That is incredible. Do you have more information about this case. Really does want to make you take the law into your own hands.
  13. M

    Back against the wall

    You have a real problem here but it all depends upon whether you are on the title. If you are a co-owner of the truck, then you have the right to take the truck yourself. If you are not a co-owner of the truck per your title, then you have a problem because you have just become a guarantor on...
  14. M

    Personal Bankruptcy PERSONAL BANKRUPTCY & LLC

    Why not avoid the whole problem and just create your own LLC. There is no question that I would think it worth the money and also not having a connection with a partner who filed for bankruptcy.
  15. M

    Personal Bankruptcy Student Loans and BR

    Because the law says they cannot be discharged. The law states that certain debts (it's easy to see why child support obligations are not dischargeable) are not affected by a Bankruptcy proceeding. I'm not sure as to the rationale but if you could I'd guess there would be a LOT more bankruptcy...
  16. M

    Personal Bankruptcy Chapter 7 after a divorce

    With regard to bankruptcy and with just about anything, you don't need a lawyer although they can be helpul in many circumstances. The cost to file is $200 (which is waiveable for people who receive public assistance or are below the poverty level) but you should probably look at the differences...
  17. M

    E-Discovery and Computer Forensics

    You raise many good points. What do you mean software development that makes shredding redundant? Regarding hard drives, I don't believe that you can recover data from most low level formats if the drive was completely formatted (every bit formatted and thus all the files are actually...
  18. M

    In the middle of a suit, need some assistance.

    You should continue the suit if you don't hear from her. If she says she'll send it then you have to take her at her word. When is the court date? I wouldn't delay the court date. There is no reason she can't come over and pay you or send it in the mail tomorrow to arrive well in advance of court.
  19. M

    In the middle of a suit, need some assistance.

    I'm sorry to hear about your problems. My observations are: (1) Once someone says "I'd do this but my credit isn't good enough" it should make you think before you give them money because someone else says they aren't reliable! (2) I highly doubt the friend will be able to establish that...
  20. M

    Discovery

    I think he is asking for information about making a motion for discovery. I think TheLawProfessor's advice is right and requesting an adjournment is a good way to go. If you don't feel you have enough information, then delay it. You may need to send notices to the defendant and file with the...
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