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yes because they saw your face
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∙ 13y ago
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Is Ohio a non-recourse state for mortgage debt?
no....... the lender can go after you for up till 2 yrs after they sell the property.
In Ohio can a credit card company place a levy on the debtors checking account for unsecured debt?
No, not wthout the court's approval. They can take away your home, auto and asests with their approval though. I know of a person in Clevland that had a $300.00 debt with Capital One that ended up paying $900.00 for refusing to pay a debt. They took that from his payroll check.
If you marry someone in the state of Ohio with previous debt does the debt become your debt?
The short answer is NO. The fairness to women laws that came about in Ohio insured that debts coming into a marriage could not be laid on the feet of the person if they leave the marriage. Now, that said, the marriage agreement basically means that the debt collector may still come after BOTH until paid but the primary person who owned the debt keeps the debt. It will affect that person's credit score. It may damage you though if you BOTH attempt to buy a vehicle or acquire new debt together. They will merge your score and the other person's score and then come back with an average. If the best score ONLY goes to buy the car and secure the loan, the interest may be lower. BOTH can be on the title of the car if you get a loan with a BANK and not the CAR COMPANY. Same with a house to a point. The drawback is, if they use just the ONE best score and acquire the loan on that person, then the income of that one person is all that is considered when they try to determine how much debt that person can take-on to buy the car or house.
What is the fine line difference between commercial debt and consumer debt?
Consumer debt is governed by the FDCPA....commercial debt is not.
What services do Debt Relief of America provide?
They offer debit consolidation loans, debt settlement, debt management, and debt negotiation services to help people manage their debt payments so they can one day get out of debt.
Where can one find counselors for debt relief in Ohio?
The best place to start when looking for debt relief counselors in Ohio is to look in the local telephone book. This will give a person a better idea as to what debt counselors will be withing their desired travel distance.
Limit to how long collectors can legally collect your debt in Ohio?
In Ohio, the statute of limitations for collecting a debt is typically 6 years for written contracts and 4 years for oral contracts. After this time period has passed, creditors cannot sue you to collect the debt, although they can still attempt to collect it. It's important to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA) to ensure collectors are following legal guidelines.
In Ohio can your wages be garnished for not paying your credit card debt?
Yes, Ohio allows wage garnishment by a judgment creditor.
Are you responsible for a debt incurred by your ex-husband on a credit card in your name in Ohio?
The person who is the account holder is responsible for the debt unless it can be proven the debt was fraudulently incurred.
Can an Ohio debt collector garnish your spouses income in Michigan if the debt was originated in Michigan-Are they bound to Ohio law or Michigan law?
In this situation, the Ohio debt collector would need to follow Michigan law regarding garnishment of a spouse's income, as Michigan law would apply to the state where the income is earned. The debt collector would not be bound to Ohio law in this case. It is important to consult with a legal professional familiar with both Ohio and Michigan laws to understand the specific implications and requirements.
What is the statute of limitiation for debt in Ohio?
In Ohio it depends on the debt is documented. Oral debts are usually the shortest. Written and Promissory Notes are the longest. Open Accounts such as credit cards vary. In Ohio oral debts and open accounts are 6 years and the rest are 15 years the longest anywhere.
Is there a statute of limitations on small claims in Ohio?
One cannot bring suit after 2 years in Ohio. If it is for a debt, it could be as much as 15 years.
Can keep your rental property if file chapter 7 in Ohio?
If it has value above its debt, probably not.
What is the SOL on medical debt in Ohio?
In Ohio they have set it at 15 years! That is the longest in the US. Medical debts are normally documented in writing. That gives them a fairly long period of time in which to collect. And it will be measured from the last acknowledgment of the debt, payment or letter from the person who owes.
In NH if a married spouse expires is the surviving spouse responsible for a credit card debt of the deceased spouse if the living spouse never signed any document.?
In Ohio, if the debt was owned jointly, then yes, you are responsible. If if wasn't, they cannot make you liable for another's debt. This is in Ohio. Credit reports are held in both owners name, if they are co-owners or own the debt jointly, such as a home mortgage. If the credit card is owned by spouse1 and spouse2 does not have permission to use it, then spouse1 is the only responsible person for that debt. Spouse2 cannot be held responsible - in all financial transactions in the state of Ohio, even if the debt has incurred from some other country or state. Wherever you reside determines the law for the consumer. Check your state for that.
Is there a time limit for creditors to collect a debt from a deceased in Ohio?
Yes, after the estate has been probated, the time has expired.
In Ohio does a spouse assume partners debt that was incurred before the marriage?
No. Although the spouse can be affected by the outstanding debt when applying for joint credit or if a joint bank account is levied by a judgment creditor.
