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Home > Author Archives: Jeremy Golden

Author Archives: Jeremy Golden

Jeremy Golden

Capital One Sued Me and Won. Now I Want to Setup Payments But They Want Me to Pay More Than I Can Afford. – Bill

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“Dear Jeremy, I received a Money Judgement from the district Justice Court to the Common Pleas Court for 7,071.00. from being sued by Capital One. I tried to set up payments that I could afford, however they said it was not enough. I am recently unemployed and want to know how best to handle this situation Bill” Dear Bill, I ... Read More »

Wells Fargo Sold My Credit Card Debt, I’ve Been Sued and Now I Want a Payment Arrangement. – Elly

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“Dear Jeremy, I HAVE A $5,000.00 CREDIT CARD DEBT WITH WELLS FARGO THEY SOLD MY DEBT TO A COLLECTORE. I BEEN SUE AND KNOW THEY WANT TO PUT A DEFAULT, I CONTACT THE LAW FIRM TO SEE IF I COULD GET A PAYMENT ARRAGMENT THEY SAY YES. IM NOT WORKING IM RECEIVING UNEMPLOYMENT BENEFITS, THERE WILL TO ACCEPT $100.00 DOLLARS ... Read More »

I’ve Been Paying NCO for an Old Amex Debt. Now United Recovery Systems Wants to Collect On the Same Debt. – Charon

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“Dear Jeremy, Paying NCO for two years now on time and consistent for AmEx debt. Suddenly, in the last two weeks, my father who has Alzheimers was contacted by United Recovery Services regarding a debt with AmEx and was asked where I was, what my information was, etc., to try and collect? I contacted United Recovery Services and they say ... Read More »

Can Credit Card Companies Garnish Your Social Security Check? – Bonnie

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“Dear Jeremy, credit card debt, I am making minimum payments on several credit cards and have a high mortgage for my income. I will retire in 3 yrs. and would like to know if I can’t afford to pay my credit cards on ss can they go after my ss check. I know I can’t afford to pay once I ... Read More »

My Husband Recently Passed Away And I’m Trying to Do Better But a Co-Signed Repossession is Holding Me Back. – Becky

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“Dear Jeremy, I am a single mom and had an ex husband that I share three girls with, he recently passed away and my girls were left his money, life insurance, ATV’s, his vehicle, and all of this had to be put in my name because they are underage. During the time that he was sick, he was unable to ... Read More »

Discover Card Won’t Negotiate With Me. Should I Wait Out the Statue of Limitations? – Tony

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“Dear Jeremy, Over the past 24 months I have managed to settle 3 second mortgages and one credit card for a grand total of 310,000 for 32000.. I have only two remaining debts and am struggling with them. They are two remaining credit cards..One through a credit union for 22k and a Discover card for 9500..Both lenders have sent my ... Read More »

I Have a Student Loan Debt From My Time in the U.S. That I Need to Resolve. – Sharon

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“Dear Jeremy, I was a student doing a Masters program in the US for 2 years. On completion of which, I came back to my home country to work before pursuing further studies. During my time there, I had a $5000 credit card, that was used for tuition and sundry expenses. I did make preliminary payments, but still have around ... Read More »

Can Chase Bank Legally Garnish My Wages Even Though I Live on SSDI? – Bill

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“Dear Jeremy, Can Chase Bank legally put garnishment on my bank accounts even after telling their lawyer twice once in civil and once in general sessions that my only income is from ssdi?I told him was unable to pay at that time. I had joined a debt settlement club prior to court visits In civil court the judge told us ... Read More »

I’m in a Debt Settlement Program But Just Received a Civil Summons. – Isadore

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“Dear Jeremy, I am in a debt settlement program. With my budget i am only able to afford $500.00 a month. Over 35,000.00 in debt.They have spoken to all my creditors and have settled with some of them. The rest of them turned me into collection agency’s. I just received a civil summons from 1 of my creditors. What do ... Read More »

I Have Bad Credit And Now I’m Trying to Buy a Home. My Bad Credit is Haunting Me. – Brian

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“Dear Jeremy, OUT OF HIGH SCHOOL IVE HAD BAD CHOICES IN BUILDING MY CREDIT NOW THAT IM LOOKING TO PURCHASE A HOME IT IS HAUNTING ME….. I HAVE DEBT THAT IS PREVENTING ME FROM LENDERS EVEN WANTING TO HELP ME. I HAVE A CREDIT REPORT AND HAVE BEEN PAYING OFF DEBT NOW I ONLY HAVE ONE OR TWO BAD DEBTS ... Read More »

My Identity Was Stolen and Collection is Trying to Get Money From Me That I Never Owed. – Barbara

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“Dear Jeremy, Indenity theft 10 years ago 3 cards. (I had a house for sale in a another city. They got my mail. They changed my address back to that house) One I paid off. Someone used my card I already taken out. and I could prove that I did not use it. I was teaching in a classroom in ... Read More »

Nationwide Credit Keeps Trying to Collect on an Old Credit One Car Loan I Fully Paid Off. – Selena

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“Dear Jeremy, I completed paying off my car loan as of 12/2010. I own some late fee’s and the collection company has been giving me a hard time verifying who they are and has threaten to repo my car, given me a actual date in when they were coming pick it up. Which that date has come and gone. Now ... Read More »

My Student Loan Story From Hell. – Jody

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“Dear Jeremy, My student loan story of hell. Between 1985 and 1989, I took out student loans to the total of approximately $14,000. Being a single mother, thought education would get me a better job than a factory job. So I got my education and could not find a job that would pay me enough to pay rent, electricity, gas, ... Read More »

I Am Living on Social Security Benefits, Filed Bankruptcy and American Express is Coming After Me. – Buddy

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“Dear Jeremy, I am disabled with no job for 5 years now, and living on limited S.S. Disability benefits which is not even enough to pay my monthly mortgage. I (only me, my wife is out of the country) filed Ch.7 bankcruptcy almost 4 months ago and still awaiting for the discharge which is hopefully happening very soon. One of ... Read More »

Does the FDCPA Protect Me Even if I Don’t Owe a Debt?

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The following guest post was contributed by Jeremy Golden. Jeremy Golden, Esq. is one of the resident debt experts here at GetOutOfDebt.org that helps people for free. Jeremy is a consumer rights attorney licensed to practice in California. He represents individuals in cases against debt collectors for violations of the FDCPA. He also focuses on defending people in collection cases ... Read More »

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