I have actually sued a collection agency for harassment so he is my advice to you.. Anytime this company calls get the name, time, date and write down what the conversation was about, almost exact words of what they said. If you can get a tape recorder (this is illegal in some states, so be carefull) and record the conversation. If you really think they are harassing you to the point that you feel that your privacy has been violated or embarrissed, then you need to contact a lawyer and see if you have a case. Most times they will not charge to give legal advise, and if they think you do have a case they will just put their fees into the settlement fund. I actually got 20,000 from a collection agency. It doesn't hurt to try...
Can a collection agency place a lien on a home belonging to a spouse not on title?
Unless the collection agency is an assignee for a firm who provided labor or materials for your real property, they cannot place a lien against your home. They can, however, obtain a judgment, which will act as a lien against your home. They cannot foreclose on your home unless the debt is secured to a mortgage or deed of trust.
It is possible for the collection agency to put a lien on your bank account. Before they can do this, they must go through the proper procedures first.
How much can a credit card collector do with a lien on your property in Fl
If they obtain a judgment against you, some state's houses are protected
Yes - they can, or they can put a lien on the vehicle.
No. Court is a must
wage garnishment, file a lien against you, etc.
No; however, the agency can file a lien on your home for past-due support. That lien will have to be satisfied before the home can be sold.
No, almost definitely not. What they can do is take you to court and win a judgment against you. If that judgment isn't satisfied, they can obtain a court order to garnish your wages. What they can't do is threaten you with jail or putting a lien on your home. Know your rights. Check out the Fair Debt Collection Practices Act online.
A collection agency doesn't have the power to do anything other that aggravate you. They can with the agreement of the original creditor turn your account over to a collection attorney. The answer to your question is NO! For the amount in question it would be a small claims court judgment (if they got one). I assume there was an outstanding balance on the rental They might be able to get a wage or bank account garnishment. But that too is questionable. If anyone from a collection agency has told you they can place a lien against your property. They are in violation of the FDCL and could be fined or sued for their actions.
yes , sorry
Yes, its a risk of doing business with family.
the collection agency doesn't do that. the federal quarantor and/or the department of education have the only power to place liens or offsets
Can Florida homeowners lose their homes if they owe a hospital money? Can hospitals in Florida take your home if they have a lien against it?
Most definitely for almost any loan. If it is a student loan, you can count on it.
It is assumed the creditor won a lawsuit against you and the court issued a judgment lien. You should have had notice of the hearing and received a letter of judgment against you from the court. You must pay off the lien in exchange for a release of the lien. You may also go to court to challenge the validity of the lien, the lien amount or raise any other matter that might affect the legality of the lien. When a collection agency first puts a lien on a bank account. The bank usually may not give those funds to the collection agency immediately. Notice of the lien is given to the debtor, who then has a short time period to apply to the court to object to the turn over of the bank account to the agency. If an objection is made, the bank will not give over the money until the court rules on the objections and issues an order directing the bank to pay all, some or none of the bank funds to the agency. If no action is taken by the debtor within that time period, the bank may turn the money over to the agency without a court order. See related link.
NO, THEY CAN PUT A LIEN ON YOUR HOME OR GARNISH WAGES IF YOU DO NOT PAY THE BALANCE OWED.
Yes, collection agencies can do this. However, first they need to sue the borrowers and obtain a judgment from the court against the general assets of the defendants. Usually, a judgment will become a lien on any real estate property the borrowers own. If the collection agency does not go to court to sue for a judgment, however, it can not place a lien on a home. And not all states or counties may allow judgments to be attached as liens, although many do allow this process.
Yes, in theory. A lien is recorded assertion of an unpaid debt, so a town could sell its lien to a collection agency (if laws permit) and that agency could then foreclose on the lien by obtaining a court judgment on the debt. However, many states frown on this and make it much easier for the town to simply auction the property itself to the public, take the proceeds in satisfaction of the debt, remove the lien, and let the new owner evict the taxpayer (or rent to the taxpayer, if preferred). A third party might have a harder time of getting the lien foreclosed.
The collection agent would have to file a lien against your assets, AND prove their case, but, yes, if you have verifiable unpaid medical bills a lien CAN be placed against your assets by the court.
Contact a lien search agency.
A creditor can seek payment from the estate after the death of an individual. That may include a lien on property to which the lending institution has interest.
Only if the 'co-signer' also has an ownership interest in the car.
The collection agency cannot reposses the vehicle unless they are the lien holder. If they are, they do not need an order of replevin to seize the vehicle unless they live in one of the few states that require such. If the collector does not hold the lien on the vehicle they will be required to file suit against the debtor, receive a judgment and execute said judgment as a forced sale or a lien of/on the judgment debtor's vehicle.