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Consumer Issues / Bankruptcy

QUESTIONS

  • 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?
  • 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
  • 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?
  • 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?
  • I was officially divorced 01/18/2019. I have been currently been reciting summons from debit collectors on credit cards and HOA for properties and credit card that were listed as my X-husbands responsibility on the divorce decree. My X-owes me back child support and I had a order of protection at time this debt was accrued.
  • I recently went to a lab to have my annual labs drawn. I have been to this lab multiple times in the past few years. This last time, I was taken aside and presented with a bill for $ 980. dollars. from 2011 like 7 years ago. I have lived in my home for 24 years and I was never sent a bill for any labs costs. I did have health insurance at the time which should have covered it. What is the statute of limitations on medical bills?
  • 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?
  • 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?
  • 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?
  • 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

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FIND LEGAL HELP

  • Please select your county of residence below.

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OTHER LEGAL RESOURCES

  • State Bar of Arizona
    www.azbar.org
  • Maricopa County Bar
    www.maricopabar.org
    Referral number 602-257-4434
  • Pima County Bar
    www.pimacountybar.org
    Referral number 520-623-4625
  • National Domestic Violence Hotline
    800-799-7233
  • Bankruptcy Court Self Help Center
    866-553-0893
  • Certified Legal Document Preparer Program
    Link

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