Question: Dear Steve, I had a credit card debt that was charged off in 2005 for 3k. A judgment was filled and never collected. Eventually, the judgment disappeared from my credit. I received a letter stating I owe 12k and that garnishment will be done. Please advise Can I defend myself on this debt? Edwin …
Question: Dear Steve, I had a Teri loan when I was in school 16 years ago I became disabled, and I was not able to pay it off the original loan was only for $8,500 well, I made the mistake of listening to a bad credit counselor who told me just to ignore it until …
Question: Dear Steve, I have a third party collector who filed with the court and the judgment was against me. What does dissolution of debt mean? The court just sent me this notice. Carolyn Answer: Dear Carolyn, Did you ever go to court to defend yourself in this matter? Since you did not send me …
Question: Dear Steve, I filed for Bankruptcy then after a month I decided to cancel it. I received a judgment from a law office from one of the creditors. I called this lawyer and came to an agreement on a payment plan. I have been asking for documents stating what we agreed on, but still, …
Question: Dear Steve, I am being sued over a $2600 debt with CC company. I am fully disabled. My income comes from two sources, SSDI and private disability insurance. I know that SSDI is not garnishable, however, it’s unclear whether my private disability insurance is garnishable. Wisconsin statues regarding this matter at best are extremely …
Question: Dear Steve, The Legal Dept of GCFS Inc has sent me a Notice of Levy for execution (money judgment) Filed in court Feb 2018. States I have 15 days (since court docs were mailed) to respond. The total of $8139.35. They are threatening to garnish my bank. Can they do this? This letter was …
Question: Dear Steve, I have a garnishment from a law firm debt collecting place who summonsed me to court and I failed to show up so they rendered judgement against me. I had no summons served to me. I had no clue about any of this at all until I received a letter in my …
Question: Dear Steve, My 90 year old deceased father, who had co-signed on a student loan from the Texas Higher Education Coordinating Board, had a judgement placed on his home in 2008 for the defaulted student loan, which my sister and I only recently found out after our father passed away in April of 2016 …
Question: Dear Steve, Have two old balances from 2005 with Capital one. Had no job and couldn’t pay them. Capital One put a judgement on me through lawyers and now the lawyers say that my accounts have been closed. Do I still owe them the balances if I sell my house? Reyne Answer: Dear Reyne, …
Question: Dear Steve, Followed up for the first time in 6 years on my credit after losing my house to foreclosure in 2012. It’s not as bad as I thought thanks to you. The only think I have found a judgement of $13,600 against me by CACH LLC. I really don’t know what this is. …