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Debt Collection

Parent Category: Debt and Bankruptcy
Debt collection is a legal and necessary practice when products or services have already been provided but the consumer has not paid for them. Some companies use collection agencies to pursue payments on debts owed by persons or businesses.
Answer   They can contact your place of employment if they have not been informed that they should not do so, but a creditor/collector cannot use threats or intimidating tactics regardless of their method of contact.A debtor has the legal right to send a creditor or collector a "cease and desist"...
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  That is the most common scenario in any repossession. Because it is normally a standard part of the contract, no court order is needed.
Non compos mentis means someone does not have mastery of their own mind; not of sound mind.
There is no such thing as a "Voluntary Repo". You borrow money to buy something , you owe the money period. If you turn the item over to the bank or finance company it doesn't take you of the hook. The bank or finance company will auction the car and you will still be responsible for the difference...
  == Answer ==   The car will be sold to satisfy part of the loan. Any money left over after paying for the repo man, and any admin costs will go toward the loan. After that, whatever is left on the note is your responsibility. You STILL have to pay off the loan unless you file bankrupcy.
  You start getting letters from a collection agency then guys like me buy out your contract & repossess you if and when seen.
  == Answer ==   only a diag.fee
If the property was in trust when it was granted, then the deed would override the trust because the trustee no longer controls it. Similarly, if your will says your children get your house, but you sell it before you die, then the deed overrides the will. but if the trust was not dissolved and a...
  == Answer ==   If the realtor sues for the amount owed and wins a judgment then the judgment can be used as a lien against the home even if it is titled in both names. Whether or not the judgment holder could request a forced sale of the property would be determined by the laws of the...
  == Answer ==   No, the compensation (market or repair value) for the vehicle as determined by the policy guidelines remains the same.
Answer . Nothing essentially happens to the 2nd deed of trust unless the property actually goes to sale and the foreclosure does not get cured by either the Trustor or the beneficiary of the 2nd deed of trust. In that case the 2nd deed of trust would cease to exist and drop off title at time of...
In the state of California, a Living Trust will override a grant  deed. You should speak to a lawyer to draw one up.
  == Answer ==     Here my Suggest. Go to Lawyer and they can help you. make sure you do it soon as possible before the Repo company come to your house. But go to Lawyer and find out more Detail soon possbile.
    What race, how old, and what city did you meet "this person" in?
It depends on why you aren't together. If you got along well once before and there is just a misunderstanding or one or both of you have made a mistake due to your youth, then it's never too late. Just be sure they don't have another mate.Good luckMarcy    AnswerNo its never to late no...
The penalty for stealing fixtures out of a home that is being foreclosed on varies by state. It can be prosecuted as theft or hindering a secured creditor among other things depending on the state, the circumstances, and possibly the local community within a state, so there is not one answer to this...
  == Answer 1 ==   Unless the dealer provided a warranty, I don't think the dealer would be responsible. Not always, but usually, a buyer is responsible for determining the acceptable condition of an item which he or she is buying.
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    == Answer ==       Firstly does it only have problems starting on a hill? if so it could be the fuel. if its regularly not starting then its either the battery,the wiribg or the alternator         http://www.autozone.com/servlet/UiBroker?UseCase=S001&UserAction...
  Try and get a bus pass. Find a bike. You are likely never seeing the car again.
  == Answer ==     The opinion or wishes of a friend are irrelevant when the issue is a mandated order from the court. If the person does not voluntarily leave the property as indicated by the eviction order, the authorities that hold jurisdiction will remove said person and his or her...
Filing a lien on an owner's title is a specialized action that is  best performed by an attorney schooled in common interest  communities. Filing the wrong lien, improperly, will jeopardize the  association's standing in the matter.
Go to the individual banks, and credit unions, and talk to them.
There are so many theories. You have to specify the theory that you  would wish to be stated.
A charge is the fee you pay for a service or item. A lien is a  court order against future earnings or property.
Yes a repo man can call your job.
    == Answer ==     The command module Odyssey is at the Kansas Cosmosphere and Space Center in Hutchinson, Kansas. The lunar module Aquarius, and the service module both burned up in the earth's atmosphere after being jettisoned.
  AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC); Board of Governors of the Federal Reserve System (Board); Federal Deposit Insurance Corporation (FDIC); Office of Thrift Supervision, Treasury (OTS); and National Credit Union Administration (NCUA) (collectively, the Agencies...
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An electrical engineer will make an average of 70,000 dollars ayear. How much an electrical engineer makes depends largely onexperience, education and the industry in which the person choosesto work.
  == Answer ==   Yes, a voluntary repossession does not mean the buyer is not responsible for any of the remaining loan debt according to the original contract terms or for any additional fees.
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  == Answer ==   If they think you did something and you just left before they could even get anything out of you, they could probably do that.     There is nothing in the action that would violate the civil rights of the employee, nor constitute legal grounds for litigation.
  == Answer ==     No, pensions and SS benefits are exempt from creditor garnishment. It is important that benefits are not commingled with any other funds. This needs to be done to prevent the possibility of the account being frozen until the court rules on what portion of the funds is...
  == Answer ==   This is a good source: http://www.myboot.com/articles/p0-2446-inside-the-mind-of-an-abuser-what-you-need-to-know.html     Avoid it by avoiding the person completely, if possible. Realize what is happening when the person uses those tactics, the first step to stopping...
  == Answer ==     Check your credit report at www.annualcreditreport.com to see what accounts have your name attached. If it isn't listed, your name isn't on the account.
  Yes, the banks hire contractors that secure, empty, and winterize foreclosed properties.
Yes . Otherwise that state will issue a warrant for your arrest for failure to appear or pay the fine. . Yes . Otherwise that state will issue a warrant for your arrest for failure to appear or pay the fine.
  == Answer ==     If the vehicle was not included as non-exempt property in the BK petition it is considered exempt from sale and seizure.
Absolutely. Here's the thing of it - as long as they hold a lien onit, it is not YOUR vehicle - the finance company is the solelegitimate owner of it until you pay off that lien. When a vehicle gets impounded, there's a limited window in which itcan be reclaimed before they auction it off - the...
The answer to your question depends on the terms of your loan and  the state that you live in.    Your loan contract will (or should) specify under what  circumstances the vehicle can be repossessed. For example, even  though your loan is current, the contract could say something like,  "If...
It lasted almost 6 years and was over 70 years ago
  == Answer ==     Individuals cannot report to credit bureaus concerning debts that they are owed.     Individuals should file a lawsuit in the appropriate state court and when (if) they are awarded a judgment the judgment will appear on the debtor's credit report.    ...
  == Answer ==   A LOT, but how much your score dives also depends on how high or low your scores were before you filed. Because the FICO scoring model is top-secret, there is no way to know EXACTLY how many points you will lose and because there are so many factors that determine your score...
  == Answer ==     The majority of states allow for a repossession as long as there is no "breach of the peace." There are a few states that require a Right to Cure letter being sent out roughly 20 days prior to a repossession. You need to check your state law.
  == Answer ==     Yes, vehicles are considered secured debt. If the BK was filed under the new reform laws which took affect in Oct. 2005, the borrower is obligated to repay the entire amount of the loan and not just the vehicle sale deficiency.
Answer . I'd think that if you wrote and signed the resignation paperwork there might be a legal problem for them, like forgery. Not sure about the annual leave thing but, whether it was their error or not, you will probably have to repay them the overpayment legally.
Yes, if you did not pay back the loan. That is what "signing over" the car is all about.
  == Answer ==   Your local auto parts store has aftermarket service manuals (Haynes is one publisher) for your specific make, model, and year of vehicle. Buy one. It costs less than half an hour of a mechanic's time, and is invaluable for finding, testing, adjusting, and repairing things on...
Initially, note that a judgment is not "filed" against you. It is the result of a legal process in which you are found liable for money damages, or in some cases, a civil penalty of some sort. In the case of a civil matter, you are first served with process (a summons and complaint). You are given...
  == Answer ==   If you are listed as a creditor, you will get paid according to what the bankruptcy process determinesd and your type of position and credit extended. Generally, very high priortity items like payroll, get paid 100%. Secured creditors have the security of the item they have...
yes if someone is smart enough they will find a way to do it
  == Answer ==   Checking accounts are levied by means of a court ordered judgment.   Most bank account levies are good for a period of thirty days and then must be renewed through the court.   In some states the levy depending upon what it is for can remain on the account until the...
  == Answer ==   There isn't much you CAN do to force the issue if the lender doesn't want the vehicle. You can try: dropping the car off at the lender's place of business with a note and mail them the keys; you can write a letter stating that if they do not pick up their property you will...
I hope you get this message in time.Dealerships thrive on gap insurance.If you are late on 1 payment your gap insurance will be cancelled and you will not be notified. Gap insurance is mainly used if the vehicle is a total loss in a wreck and your insurance will only cover the blue book value of the...
Each lender has their own way of disposing of a repo. Most will  sale them at dealer only auctions. You can purse getting a used car  dealer licenses from the state you reside and attending these  auctions.
well i think it's the fridrich metthod don't mind my language
Garnishment is a possibility, and disability checks are most likely not excluded. To avoid a situation like that, you have some options, which are explained on the Sallie Mae website. One option for those with outstanding student loans who are totally and permanently disabled is cancellation....
It should not be a problem to buy a car in Canada and drive it inWashington State If you want to later register it in the U.S. Youwill have to do a lot of paperwork though.
Answer . A 'Cease & Desist Order' means:. 'Cease' means to stop and 'Desist' means not to do it again. This comes into effect when there is a dispute about something. A person sending the Cease & Desist Order is telling the person bothering them to stop! . You can place this legal paper for:...
  == Lawsuits Answer ==     Only those couples residing in community property states are responsible for a spousal debts that are solely incurred. In CP states a non-debtor spouse has the option of using an "innocent spouse" defense when faced with a creditor lawsuit. This defensive...
Not the debts, because they died with her father if the estate can  not meet them (unless the debts were in joint names).   But, unless she decides not to arrange any sort of funeral and not  to get involved at all, she may have to pay to have her dad buried.
The vehical must be leagally licenced.   The owner must have signed the repair order that wiill, in the fine  print, give permission to test drive.   The tech must have a valid licence
  == Debt Collectors Answer ==     Yes. If the creditor wins a lawsuit against the debtor a judgment is entered in favor of the creditor. A judgment can be executed against any non-exempt property belonging to the debtor including but not limited to the placing of a lien against real...
I don't believe that they can; it depends on who is collecting for a debt, and/or the laws in the state in which you live. I would consult a local attorney who practices this type of law in your area. You can more than likely find out in a free consultation whether or not you have any ground to...
      == Meaning of 'Dismissed' ==     Generally speaking, "dismissed" means the case was thrown out for some reason, and the debts were never wiped out (so the creditors can still pursue the debtor for payment).     This should not be confused with "discharged," which...
According to a website I was looking at :For a 1992 Mercury Grand Marquis , 4.6 liter V8 engine :( 16 / 17 in the city and 23 / 24 on the highway , miles per U.S. gallon )
An automotive loan usually contains a clause that says the loan recipient must maintain insurance on the car for the life of the loan. Usually, this includes not only the legal minimal liability insurance, but also theft, collision and fire insurance. If you are in breach of the loan agreement, your...
Lien Gisolf died in 1993.
Sell the car to someone who is willing to take over the payments. The lender must agree to the sale. Miss your payments and they will repossess the vehicle and your credit will be ruined for 7 years.. When you finance or lease a vehicle, your creditor holds important rights on the vehicle until...
  == Answer ==     Do you mean salvaged title? http://www.state.nj.us/mvc/cit_title/v_title_special.html     Also from the state of New Jersey website regarding junk vs. salvage titles:   Q. What is the difference between a junk title and a salvage title?     A. A junk...
  == Answer ==     The only time wages can be have garnishments running concurrently is if one of the garnishments is for court ordered child support or spousal maintenance. Although in certain situations judges can allow separate creditors to garnish dual incomes, but not a dual...
in Texas the answer is YES ... The utility would file the appropriate form with the county clerk. The lien does not require renewal and remains in effect until cancelled.
  == Answer ==     If an attorney cannot represent the best interests of their client for whatever reasons they should refer said client to another qualified counsel. If the client prefers they can contact the state bar association's referral service for assistance in finding an attorney...
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If you really love her and always will then you should make your feelings known to her. Don't assume she knows. At least then you will have made a shot at it. If she isn't ready or doesn't want to get back together then that's how it is and you move on. But if she feels the same way, it can be a...
  ==Answer==   when you get consolodation loan the lender pays off all of the loans you want taken care of. for example you have 5 different loans that amount to a total of 25000.00. the lender that you are getting the consolodation loan from will pay each account in full in your name and you...
Answer . Pestilence is a disease that kills multiple persons at close to the same period of time. It is not a new disease but one that has multiple opportunities to spread.. When man lived alone or in small groups they would get the disease and die thus ending the spread. Enter civilization. We...
  == Answer ==   $780 million
  == Answer ==     They will auction the car and you will have to pay the difference of what you owe and what the car sold for.
  == Answer ==   First, talk to the bank where your loan is and find out why a repossession was made. If they did not repossess your car, then you have a case of auto theft. If they took your car, you deserve to know where you messed up and can dispute it from there. You may have to get a...
It depends on what you want to use it for,,,, But for reliability, It depends on how well maintained it is. ,,,, You get the idea that there is not one.
  When you finance or lease a vehicle, your creditor holds important rights on the vehicle until you've made the last loan payment or fully paid off your lease obligation. These rights are established by the signed contract and by state law. If your payments are late or you default on your...
  Nope, it is not.... In fact no one else than your creditors get to know about it. The Debt Settlement companies send a letter to your creditors, that is how they get to know. Even in the Credit Report, there is no mention of hiring any debt settlement company. All it says is "settled for less...
The Debt Collection was created in 2005.