questions & answers
Question: I am being sued for a past credit card debt from 2002. What is the statute of limitations for collection and can the new creditor garnish my wages?
Question: I owe a debt to a creditor for medical expenses. The creditor has increased the debt by charging me a penalty for not paying on time. Is this legal? Are all late fees penalties?
Question: I have a credit card with the same bank where I have a Certificate of Deposit. My credit card payments are in default. I was using a credit counseling company to help me get out of debt and help me arrange a payment plan on the overdue credit card debt. The bank used my Certificate of Deposit to pay off the credit card debt without my permission. Is this legal?
Question: I'm a mobile tool vendor and has sold a tool to a individual who refuses to pay and will not return it, how can I collect from this person?
Question: what are the limitaions on credit card collections
Question: Is it against the law for my creditor (car dealership)to contstanly contact me at work even after I have verbally requested them not to? What can I do to protect my employment as them constanly calling may jeopordize my employment?
Question: We had a vehicle repossessed recently and there is an outstanding balance. What are the laws on garnishment? If we try to work with them and they won't accept what we can afford; do they have to accept any payment that we can afford to send them or do they have the right to garnish our paychecks? Thank you!
Question: How do I answer a summons for a debt from a vehicle repossession?
Question: I voluntarily turned in a car that i could not longer afford back to the finance company,now 4 years later, I found out that they sold the car at auction for only $50.00, far below the value and said hey are goind to sue me for the unpaid balance plus intrest, can they do that?
Question: My car was repossessed back in 98. I have recently recieved court papers stating there is a judgemnt against me. How long do creditors have to try to collect a debt? Does it depend on if they keep selling the debt to different creditors?
Question: I foreclosed on a property in ohio, can the creditor garnish my wages if i now reside in arizona?
Question: I recieved a Civil Summons at my home. I want to payoff my debt, can I just contact the plaintiff or do I need to go thru the court? Is there any other alternet course of action for me?
Question: Can they take my federal income tax money to satisfy the debt?
Question: I have been served by a firm that is suing me for a "charged off" debt from my credit card company. I want to settle, but I don't know how to proceed. I'm very hesitant to talk to them directly as there was a lot of "bullying" and "pushing" before, but I just want to settle.
Question: I have had credit card debt for years that I have not paid on how long can they harassess me by state lasw
Question: Is a debt consider legally binding if it is more than 7 years old?
Question: I had a tax # when I lived in IN.I never used this number but the state placed a lien on my credit.I finally had this released but just last week I was called by a credit collections agency, saying I owed this still. they have called me 5 times in 5 days and lied on the messages left, says that my number was listed as a reference for a family member or friend? asked me to call them.I think this is harrasment and fraud for the lies left on vm?
Question: Do I have to pay the credit collection agency or can I choose to pay the original debtor? After all I have no contract with the collection agency.
Question: I am about to be sued for an old credit card debt. I am permanently disabled and on social security only. Can my social security be garnished?
Question: I am the president of my condominium complex and would like to collect unpaid home owner's association dues (upwards of $2,000) on a home which has been foreclosed upon. Who is responsible for payment and what is the recommended course of action to collect?
Question: I have a credit card debt from 2004 that has been sold to a collector. Can there be garnishment to wages or just go after assets. Was served papers today. There was already a judgement about a year ago. Now I go another one.
Question: My daughter, received garnishment papers from her employer from an apartment she defaulted on. She was never notified of any garnishment by the collection agency; she was never served or summoned to court regarding the debt. Do they have to notify her before obtaining a garnishment?
Question: Can your wages been garnished without you being informed by the party that is garnishing your wages.
Question: can your wages be garnished by an employer without a judgment
Question: If I'am a co signer on an auto loan, can they garnish my wages?
Question: Can a credit card company sell thier old receivables/ debt for a lessor amount and the new so collection company collect at the old debt rate?
Question: In my daughter's divorce decree it states that her ex-husband pay me $3,900.00 at $50.00 per month, they were divorced May of 07. I haven't received a dime, is there a statue of limitations on this?
Question: We were sent to court for monies owed to an apartment compex. The judgement was against us. They were awarded the full amount, prejudgement interest, courtcosts, and attourney's fees. We made payment arrangements to prevent garnishment. now they are charging us interest on our payments but they were not awarded postjudgement interest. Are they allowed to do this? Is there anything that we can do if they shouldnt be charging us this extra money??
Question: What hours can a collections call you. I have a Rent to own company banging on my at 9:05 pm and waking my up on a week night. Isn't there certain hours that they cannot contact you?
Question: Does AZ law require the debt of a deceased relative to be paid. I am listed as a trustee on my Mothers revocable trust. Am I required to pay on any of Her debt?
Question: I have been contacted by a collection agency for a debt owed. The amount owed is $226, they say they will only accept payment in full, or 2 payments of $114.33. My question is this, if I am willing to pay this, but can only make small weekly payments, are they required to accept them? What do I do if they refuse my payments that I am able to make.
Question: I just recently had my car repossed and would like to know if the creditor can garnish my wages for the balance of the loan?
Question: I received a summons for an old old credit card debt. If I answer it in justice court (small claims) I guess there are no appeals. How do I request Superior Court?
Question: CAN MY WAGES BE GARNISHED DUE TO PAST MEDICAL BILLS?
Question: In Arizona, can a creditor get a prejudgment garnishment against my funds in my bank checking account?
Question: I received a loan check from a company I previously had a loan with at one time. The check had only my name and I was the only one to sign it. Now, due to being laid off, a judgement has been entered and they will begin garnishing my wages. However, they also included my now ex-husband in the judgement and are going to garnish his wages. How can they do this if the loan was in my name only?
Question: When a spouse passes away and has debt in his/her name only, like credit cards, and or contractual obligations for satellite services or cell phone service that charge fee for early termination, etc.- is the remaining spouse responsble for that debt and fulfilling contractual obligation?
Question: What is the statute of limitations in AZ for credit card debt? What date does the statute of limitations start? Is it date of first delinquency or date of last action? I have old credit card debt I show last payment I made to original creditor in Oct. 2002, a debt collector is now saying the debt is from July 2003. They are also threatening legal action and wage garnishment. Can they take me to court?
Question: After a Judgement has been paid in full through a writ of garnishment can a creditor claim that there is still money owed to his client? In this case the amount in the judgement is less than what the client turned into the creditor plus a 40% collection fee. And after the judgement was paid in 2005 no further notification was received as to any extra amounts being due. I have just now received notice that I owe this outstanding blance plus 4 years of interest. This is still the original creditor from 2005.
Question: I am separated but still married. My husband is not paying his credit card debt and an atty has threatened to garnish MY wages and forced me to pay on his debt. He sent a notice to my employer seeking verification info which totally embarassed me and jeopardized my integrity. I have been paying him because I am intimidated. Is this legal?
Question: Hello! Back in 2000 my vehicle was repossed, this loan showed up on my credit report until 2006.I have checked my credit report every year after that and this account is no longer showing up. Just recently I recieved a phone call from a collection agency regarding this account. Are they allowed to do this? Do they have the right to after 3 years of this account falling off my credit report to start reporting it again? Thank You
Question: Can a Creditor come to your place of business.
Question: WE have paid a photographer $600 for items he has never provided and he now refuses to speak to us. We are based in the UK but I have family in Arizona who will attend on my behalf and we feel that a simple claim might just be ignored. Question is : How can we best ensure that we will have maximum clout when approaching the reclaimation of our monies? If your answer is to employ a lawyer, may we have a list local to Tucson, thank you
Question: I purchased a farm using two different private loans(no banks). One loan was on a promissory note. Animals were used as the collateral on the note. Having defaulted on the note, I have turned over all the animals to the party owed. Is there an Arizona law or case that establishes the turnover of collateral as discharge of the note? Can you recommend a method for me to find this specific information. Thanks
Question: My husband and I are being sued by a creditor for a disputed unpaid debt of $10,000 on his credit card. We have a prenuptial agreement and have kept our assets (house, bank accounts etc.) separate throughout our marriage of ten years. He is unemployed and has few assets, I have some savings. Will I be forced to repay his debt?
Question: I had my bank account garnished.I went to court and the garnishment was released. I'm self employed but I do get paid by a goverment agency. Can my wages be garnished? Does the collector have to go back to court to get another order?
Question: Can a debt collector have you served at your place of employment? I have not had any contact with the creditor, collection agency, or debt collecting attorney.
Question: My father was in a group home in Casa Grande and then died. It's been over 60 days and they have yet to refund his $500 security deposit. We live in Michigan and wonder if we can file a small claim but not have to be present.
Question: Isn't it illegal for a bank to charge a recurring fee for an overdraft? I am now facing court and legal fees if I am not able to pay the collection agency a lump sum of money or $100 payments toward the full debt with interest accumulating at 18% every day. Is this legal?
Question: A neighbor verbally agreed to pay half of the cost to replace a shared section of backyard fence after it blew down from a storm. She said she couldn't pay at the time but would pay later, and never has. She will not answer her door or phone, so I sent a certified letter but no response. Other neighbors paid when job was complete. She owes me $378. I want to avoid small-claims court but can't find information about mediation. What are my options?
Question: We received a judgement in out favor in Small Claims and then had a debtors examination that was a no show. How do we collect this debt?
Question: i owe a company for buying some musical equipment, i became ill and had to quit work. I tried to return the stuff, but the company just wants money...they say i will be going to jail? is this true? do i have any options
Question: my wife had a car repossessed three plus years ago. can the collection agency come after me as a spouse and possibly garnish wages if i have no involvement
Question: I have been paying $20 a month since May 2006 on a credit card debt. I was taken to court and agrred to pay this much until my debt was paid. I believe I had around $1665 to pay. I have made every payment but in Dec of 2010 the collection agency stopped cashing my checks. I have called several times and was told my account is closed. They will not tell me how much I owe or where I should send a payment to. After calling several times they hang up on me or put me on hold forever. What should I do? I've been paying for 5 years.
Question: I am trying to deliver a notification that I intend to garnish my evicted tenant's wages or bank account. He would not tell me his address, closed his bank account, does not have a car, and lost his job. How do I deliver the notification?
Question: Garnishment, What amount is allowed to be taken out by law, if there is 2 garnishments, can they take more than 25%, I currently have 1 garnishment, now another CC company wants to garnish also. What is the max they can take ..thanks
Question: MI nombre es eleuterio paredes y mi pregunta es en el año 05 arizona federal me presto $9000 para comprar un auto pero no lo pude pagar y despues el abogado que los representa me cobrava la deuda y durante un año le estuve pagando pero perdí el trabajo y ahora de nuevo me están cobrando pero me están asiendo un garnishment de mi cheque estoy considerando la bancarrota pero no se si es una buena idea pues esa es a única cuenta que tengo y no se que tanto me afectaría una bancarrota
Question: My old Apartments received a judgement for 2400 and now the collection agency is trying to get 3000. I asked for all proof of debit and judgment and all they sent was a copy of lease and the ledger from apartments adding the extra 600. Can they collect more then the judgment?
Question: We owe a nursing care facility 10,000 dollars. I have been sending them 20.00a month. I received a letter from them with a check for the payments I made. They are refusing my payments because they are saying the payments are too low. This is all I can afford to send. Are they legally allowed to refuse these payments? Thank You
Question: I have customers at work that have past due invoices that I try to collect on. Usually a certified letter works because they sign that they received the letter. But now I have someone that did not get the demand letter, so what is the next step that I attempt to collect with out hiring an agency? Not sure of the laws and I have tried to look them up but they are very confusing. Is there a giude that can give me the proceedures and laws on how to collect?
Question: I currently have a wage garnishment in place (am going to file bankruptcy but havent finished paying all amts yet) after 1st garnishment i fell at home breaking ankle dr. put me on short term disability, I pay into this thru work and have received disability insurance payments, my question is can my disablity payments be garnished (my wk's corp ofc is in Ohio, payroll dept there not entirely sure)or is it considered exempt
Question: my mother is being sued but when they serve her papers shes at work what should i do legaly ? can i refuse the papers ? or do i have to take them?
Question: What are the collection rules for credit card debt? I have a visa with a significant balance (^8K)and have just been contacted by a collection agency. I don't have the money to pay it. Can they sue me, garnish me, etc?
Question: I have just found out that a judgement was found against me back in 2008. It is from a credit collection company. I never recieved a notice of this Judgement and I would not have know about this jugement as it has never appeared on my credit reports. This judgement lists both myslef and my husband. I never had a credit card with my husband in this state. I would have never knoiwn about this if I was not selling my poperty. He is not listed on the deed,so can the proceeds pay for the judgement. We where never notified of the judgement under the Rules of Civil procedure # 55.
Question: I am owed back child support and I am being told I have to pay an overpayment of food stamps back. Can they take it from child support?
Question: My wages have been garnished without proper notice to me from the court system. I also have not been given any receipts as to amounts taken or balance. Was also not given notice of summery judgement. What are my rights
Question: My husband passed away with no life insurance, leaving a few thousand in credit card debt. I am only an authorized user on some of these accounts and my only income is disability. Am I responsible for paying these debts?
Question: My spouse signed a personal guarantee for his business (an AZ LLC). If his debtor tries to collect, what is at risk? If we have been married for more than 15 Years, is our property or just his at risk?
Question: What is the Arizona statute of limitations for a car loan on a repossessed car? 4 years or 6 years? When does it start running? After the first missed payment, or after the car gets auctioned off? Some people say the S.O.L. is 4 years because it is a car loan, and falls under this law: "47-2725. Statute of limitations in contracts for sale A. An action for breach of any contract for sale must be commenced within four years after the cause of action has accrued." Others say it is a written contract and therefore is subject to the standard 6 year S.O.L. Which one is correct?
My home went into foreclosure on 09. Tried short sales and bank never agreed on any of the contracts. So they took the house back 8/27/09 and they sold it 10/27/09. I was told by my realtor and the short sale expert the HOA dues owed to stop payment while in short sale. And after the house foreclosed that the HOA's would be absorbed in the sale of the propety. Now a collections agency has attempted to collect again in 13'. What does the law say about this.
Question: WHEN THE COURT HAS RULED ON A CHANGE IN A GARNISHMENT HEARING IS THE COURT COMPELLED TO NOTIFY ALL PARIES CONCERNED IN WRITING?
Question: I have just started to get my wages garnished agian from a car loan I had with a bank five years ago. I started a new job and was getting garnished from my last employment I had gotten my total down more then half and now that they have started garnishing at my new employment the total I owe has more then doubled off my original balance in which they sued me for in the beginging, my question is just how much intrest can a bank (not a collection agency) charge on a defaulted loan that is in the process of being garnished legally? I will end up being garnished for the next 6 years at this rate.
Question: My wife and I were sued for unsecured debt. We have two minor children that both have a bank account with my wife on each. The creditor seized thier accounts. My daughter has a babysitting job she does, and my son's account was set up to recieve his student financial aid. Luckily, he had already purchased books and payed for his summer classes. I have heard that Federal student aid was exempt from this. What can we do to stop this and can we get our sons school money back?
Question: Say a debt collector calls you, and you offer a monthly payment because thats is all you can afford. They say no thats not enough, you have to pay more.Then when you tell them you cannot afford anything more. they threaten to garnish your wages. It has been quite sometime since they have sent me any corospondance in regard to this debt, and so I thought it had been written off due to the facit it is on my credit as a bad debt. What should I do in this matter?
Question: I got a equity loan for 30,000 on may 2007. On march 2009 got laid off my home was in foreclosure status. I became disabaled and filed in 2010. During which time my account was given to a lawfirm for collection. Well in 2011 I received my disability and soon after received a new agreement on my home from chase bank to refinance which we did. After this the lawfirm kept at me about owing on this account and they garnished my wifes checks and now shes not able to work their taking us to court come to find out this is my mortgage acct. and me and chase agreed on a new contract back in 2011.
Question: My trial was scheduled more than 10 months after the Plaintiff filed a lawsut. It has been over 2 months since my trial and there has been no ruling. Can I file a post trial motion to dismiss based on the 10 month rule in Az? This is a civil debt matter and I filed everything in a timely fashion. At trial the judge halted the trial half way thru as he said he was unfamiliar with the new amended AZ laws. It has been over 365 days since they file a complaint and over 2 months since we both gave him our memorandum of case law after trial. Question is should I wait for a decision or file a motion?
Question: My husband recently passed away and I found out he took out a signature loan from a credit union. I'm not on the account, I had nothing to do with the loan, and my income was not part of the application process. Am I required to repay this loan?
Question: My mother is 89 & recieved notice of a civil suit being filed against her for a debt. She has dimensia and severe memory loss. The court & rules state she must file an answer, or an att., which she cannot afford. I have durable power of att., but court said i can't file for her. She is incompetent to deal with most anything these days. Help please?
Question: My vehicle was recently repossessed. The towing company won't allow me obtain my personal property left in the vehicle until I pay the accrued "storage fee" that increases $20 daily. Is this legal? Can I charge them for the car keys that they want me to turn over?
Question: I'm being sued by Chase bank, for a credit card I had years ago, I received a summon's and was asked to prepare a answer.My question is, I'm classified as SMI (serious mentally Ill)I'm Bi polar, have extreme anxiety issues and depression. I can't a ford a lawyer and there is no way I can repersent my self, what are my options here?
Question: Does a California judgment creditor HAVE to file the judgment in Arizona to garnish my wages here in AZ? The law I found ARS 12-1702 uses the phrase “may be filed in the office of the clerk of any superior court”. It doesn’t say where it says they must. If they must and have not what would be my next step in stopping the garnishment? Thank you
Question: My wife passed away in October and a little while after I received a letter from a collection agency called GC Services saying she owed over 49K to them with the original account being from Educational Credit Mgmt Corp. (student loan)I know Arizona is a community property state but am unsure if I am responsible for her debt. I never signed on any loans and she has no estate to distribute to creditors. Her name was not on the house, cars, or anything. I don't feel like I am responsible for the debt but thought the law might see it differently. I have not contacted the collection agency.
Question: I owe a credit union in Michigan $25,000 for Visa and $175,000 for second mortgage. They wrote the balances off 12/30/2010. I continued to make payments on the mortgage thru May-2012. I have not received any communications from the credit union since then. In June 2013 I received a letter from a collection agency that states that I owe $200,000 on the 2nd mortgage and $32,000 on the visa. What are my rights? What am I obligated to pay? Does Arizona have a law that creditors are not allowed to solicit more than what they paid for a debt? Your help would be greatly appreciated. SB
Question: My husbands ex wife took out a loan on him without his permission and him being there. Is there any criminal or legal options to pursue her or is this something we have to civilly approach?
Question: I am being sued/summoned from Chase through a debt collector to appear in court, they came to my home and made my 16 year old daughter sign the document, This is a 6 year old debt (they sent this account in January 1st 2008 to collection) and after this date I didn't receive any collection letters. I am afraid to face charges or fees other than owed. I need legal advice please!
Question: I was served with a civil court summons for an unpaid credit card debt.I was told before I stopped paying them,that it is an unsecured debt and I could not be force to pay it.two other banks that i couldn't pay any more have all ready written off debt as a bad debt.I have 20 days to respond in writing to the complaint. Can i be force to pay this by the court on this unsecured loan
Question: Can they call you 3 times with 1 minute?
Question: I have an employee that has co-signed for a loan with her son, the son has defaulted and is filing bankruptcy, the lender has not yet contacted her for repayment of the loan. She would like to be ready to do whatever she has to do to make this go away. She doesn't want to file for bankruptcy, but may have to. She is looking for a low cost/free help. Any help would be greatly appreciated.
Question: How do you find a statutory agent that takes the papers in a company where a person works
Question: I helped my fiancé purchase a new car. I have good credit and got a great rate. She's making the payments but moved out and I don't know where she is. As long as she's making the payments I'm OK, right? If she stops payments that would not be good. What is the worse that can happen? If I have the spare key and were to get the car back is it considered stealing since the car is in my name?
Question: i lived in home and left due to domestic violence. the property manger recieved my order of protection and allowed me to vacate. 6 years later my check is being garnished for unpaid rent and attorney fees. they got a judgement from the court and a collection agency is who garnished my check. i have to pay over 4000 dollars. I thought since domestic vioelnece i was able to leave according to 33-318.
Question: How can I negotiate a reduction in the amount garnished by the U.S. Department of Education.
Question: Can a reposser take of a vehicle from a locked garage without permission from the owner?
Question: can the bank attach your account from a different bank
Question: my husband passed away on aug.22,14,he left a hospital bill unpaid,am i liable for this bill? could a collection agency bill me? i live in az thank you
Question: Collection agency sent a letter instead of summons, is this the proper procedure?
Question: Being sued by debt buyer for bank if America cc debt, served in April 2014. Did not admit to debt in my filed answer. Set for arbitration next month, does delaware sol apply? Last pmt 7/2011.
Question: Is a.r.s 33-814(g) valid on 40' motor home. Listed as second home on taxes. Tried to short sell (10/11) bank refused offers sold for less than our offers now collection company pursuing deficiency. What are my rights?
Question: Can my Social Security be Garnished?
Question: I had my wages garnished last year. Judgment creditor filed a motion to show cause against the garnishee. Garnishee was ordered to pay the outstanding balance now the same creditor is garnishing my checks again. What about the judgment against the garnishee is this legal?
Question: I am a lien holder on a note for a auto. The note is in the wifes's name and the auto is in the husbands name, they quit paying and I want to repossess the auto. Do I have legal right to since the auto is not in her name?
Question: My car was recently repossessed. I spoke w/ the fa dept wanting to pay everything I need to pay to get it out and set my pymts up for weekly. The dept is telling me I have to wait 7-8 days for a letter to be generated and recd before I can make my pymt. Meanwhile, im getting charged storage fees everyday when I could just pay for it. Do I have to wait to receive a letter telling me I already know what happened and what I need to do? I want to pay today to get my car out.
Question: If your car is repoed how long do u have to get it back
Question: I lost my job and now only get social security. Can credit cards garanshee my social security? Can These credit card companies take my cars, I have two old ones. Thank you
Question: I have a law suit filed against me from a debt collection agency for $700 the original debt on this was $300 they have added $400 in late fees now i have to file an anwser to the complaint to the court, and help with a few affirmative defenses?? i can use for this this is a compant that has bought the debt not orginal credit card co
Question: Hi, I was married for a year which ended in a annulment, but in the mean time my husband borrowed money from me, I need to know how can get it back, what kind of lawyer I look for, please help.
Question: A 2009 case satisfaction of judgement has not been filed,payments made,plaintiff can't be found,what is the time limit to re-file if plaintiff so desires,what is my recourse
Question: What is the statute of limitation on Credit Card debt?
Question: I have a collection on my credit report which belongs to my husband. When contacting the collection agency, they told me that this collection will stay on my report because I am married to the person which ows them money. The account was included in our bankruptcy in 2013 as an individual debt and not a joint debt. Am I responsible for my husbands debt? It was for electrical service my husband applied for himself. Thank you
Question: I'm now in a nursing home and getting AHCCCS. I know my land has a lien because of this. I can't afford to pay for my property taxes. I also have some unpaid medical bills. My daughter only has power of attorney for legal matters. Can she file for bankruptcy for me? What are my options when I can't pay?
Question: I was late on payments on my car so the tow company came and took my car. Now there are telling me that I have to pay for my personal belongings in the car can they do that.
Question: I acquired a credit card in 2001 and never made a payment on the debt. A judgment was filed in Ohio. I moved to AZ and the collector filed a foreign judgment Jan 31, 2008 and filed an Affidavit for Renewal February 26, 2013. from what I have read, the statute of limitations is 5 years, since they recorded the renewal 1 month after the expiration, is this debt enforceable?
Question: If I have received a release of garnishment can they re file an application for garnishment?
Question: Is there an interest percentage cap on the collectible debt? Is the debt collector allowed to negotiate the interest portion of the debt if client is able to pay? Is the debt held by a debt collection agency good forever?
Question: I had to evict my tenant and filed a Summons,served her and she finally moved after 7 days. She has refused to pay me what is owed. How do I collect the money owed?
Question: I was in the hospital and didn't have my insurance information. I called the number given to me by the hospital when I was discharged. The hospital billed my insurance but didn't pass on my insurance to their physicians that saw me or x ray dept. I didn't know this until I was sent to collections over a year later. The insurance denied it due to timely filing laws. Can someone help me to settle/negotiate this debt? The collection agency is not working with me.
Question: My husband has a child support collection that was filed against him prior to our marriage, the child support collection is with his exwife and children that are not mine. I am obligated to pay the collection since the collection was prior to our marriage and it is for child support to his exwife and his children ?
In my daughter's divorce decree it states that her ex-husband pay me $3,900.00 at $50.00 per month, they were divorced May of 07. I haven't received a dime, is there a statue of limitations on this?
I have an employee that has co-signed for a loan with her son, the son has defaulted and is filing bankruptcy, the lender has not yet contacted her for repayment of the loan. She would like to be ready to do whatever she has to do to make this go away. She doesn't want to file for bankruptcy, but may have to. She is looking for a low cost/free help. Any help would be greatly appreciated.
I owe a credit union in Michigan $25,000 for Visa and $175,000 for second mortgage. They wrote the balances off 12/30/2010. I continued to make payments on the mortgage thru May-2012. I have not received any communications from the credit union since then. In June 2013 I received a letter from a collection agency that states that I owe $200,000 on the 2nd mortgage and $32,000 on the visa. What are my rights? What am I obligated to pay? Does Arizona have a law that creditors are not allowed to solicit more than what they paid for a debt? Your help would be greatly appreciated. SB
A neighbor verbally agreed to pay half of the cost to replace a shared section of backyard fence after it blew down from a storm. She said she couldn't pay at the time but would pay later, and never has. She will not answer her door or phone, so I sent a certified letter but no response. Other neighbors paid when job was complete. She owes me $378. I want to avoid small-claims court but can't find information about mediation. What are my options?
what are the limitaions on credit card collections
I have had credit card debt for years that I have not paid on how long can they harassess me by state lasw
We had a vehicle repossessed recently and there is an outstanding balance. What are the laws on garnishment? If we try to work with them and they won't accept what we can afford; do they have to accept any payment that we can afford to send them or do they have the right to garnish our paychecks? Thank you!
My daughter, received garnishment papers from her employer from an apartment she defaulted on. She was never notified of any garnishment by the collection agency; she was never served or summoned to court regarding the debt. Do they have to notify her before obtaining a garnishment?
Hello! Back in 2000 my vehicle was repossed, this loan showed up on my credit report until 2006.I have checked my credit report every year after that and this account is no longer showing up. Just recently I recieved a phone call from a collection agency regarding this account. Are they allowed to do this? Do they have the right to after 3 years of this account falling off my credit report to start reporting it again? Thank You
How do I answer a summons for a debt from a vehicle repossession?
- Please select your county of residence below.
State Bar of Arizona
Maricopa County Bar
Referral number 602-257-4434
Pima County Bar
Referral number 520-623-4625
National Domestic Violence Hotline
Bankruptcy Court Self Help Center
Certified Legal Document Preparer Program
- City of Mesa Housing Services Division
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- Southern Arizona Legal Aid, Inc. - Nogales - Santa Cruz County
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- DES Aging and Adult Program
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- Volunteer Lawyers Program - Maricopa County
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- Maricopa County Bar Lawyer Referral Service
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