Debt Collection

In Texas, a joint property can still be seized for a judgment against one spouse, even if the other spouse signed a quit claim deed before the judgment. This is because Texas is a community property state, and joint assets are generally considered to be owned equally by both spouses regardless of individual financial obligations or actions such as signing a quit claim deed.

A cease and desist letter typically does not have a set expiration date. It remains in effect until the recipient complies with the demands outlined in the letter. If the recipient continues the behavior after receiving the letter, legal action may be pursued.

Yes, a creditor can sue against an inheritance to recover debts owed by the deceased person. In some cases, the creditor may be able to access funds or assets received through inheritance to settle outstanding debts. However, the specific laws and procedures regarding creditors' rights in regards to inheritance can vary by jurisdiction.

yes. they must first file suit and serve you a summons giving you 21 days to respond. After that, if you do not respond they will serve a summons with a court date. If you do not show up, a bench warrant will be issued.

Not before 8:00 a.m. and not after 9:00 p.m. as regulated by the time zone in which the debtor resides.

A debt collector may attempt to contact the debtor 7 days a week between the aforementioned times, including official holidays.

To obtain proof that a judgment has been satisfied, you can request a satisfaction of judgment document from the court that issued the judgment. This document will show that the judgment has been paid in full or otherwise satisfied. You may need to provide this document to credit reporting agencies or other entities to update your records.

A loan is considered a written contract. In GA, the SOL is 6 yrs from when the loan became due and payable. If you got a loan from an individual, it would just be breach of contract, which has a SOL of 4 yrs.

Yes, you cannot ignore it. However, your lawyer must respond for you. Give your lawyer the information so that a speedy response can be made on your behalf. Learn your rights against collection agencies by reading up on the FDCPA.

A restraining notice to a judgment debtor is a legal document typically issued by a court that prohibits the debtor from transferring or disposing of certain assets, pending resolution of the debt owed to the creditor. It essentially freezes the debtor's assets to prevent them from being moved or hidden to avoid payment of the judgment.

Yes, 6 years is the SOL on credit card debt in Michigan. It is not only the last payment made on the card. If you made a charge on the card after the payment then it would be after that. Basically the SOL clock starts ticking when the last activity was made on the card by YOU - not the credit card company. Once that period is up, you can no longer legally be sued for the debt. Although some collection agencies will try it. Learn your debt collection rights by reading up on the FDCPA.

Third parties are often referred to as minor parties because they have less influence, resources, and representation compared to the two major political parties in a given country. These parties typically struggle to gain significant electoral support and face obstacles in achieving political power.

Under South Carolina law, debt that is incurred during a marriage is presumed to be marital debt. This would mean that both spouses are legally obligated for their share of the debt, regardless of the listed individual to the debt.

No, a debt collector cannot contact you at unreasonable times. They are generally restricted to contacting you between 8 am and 9 pm, local time. If they contact you outside of these hours, they may be violating the Fair Debt Collection Practices Act.

In Illinois, creditors are generally allowed to contact you at work unless you have asked them not to or if your employer does not allow such calls. You can request the creditor to stop calling you at work if it is causing you problems.

A debt collection attorney specializes in legal actions taken to collect debts owed by individuals or businesses. They may send demand letters, file lawsuits, or negotiate settlements on behalf of their clients to recover unpaid debts. Their role is to use legal processes to help their clients recover money owed to them.

A Deed in Lieu Foreclosure can impact Social Security benefits if the forgiven debt is reported as income, potentially increasing the recipient's income and affecting benefit eligibility. It is important to consult with a tax professional to understand the implications on Social Security benefits.

No, you cannot be arrested in Canadian customs for not paying credit card debts. Debt is a civil matter, not a criminal one. However, customs officials may request payment or additional information if they have concerns about your financial situation.

Jurisdiction in a credit card lawsuit typically depends on where the contract was formed (Florida in this case) and where the debtor (you) resides (South Carolina). However, laws can vary, so it's best to consult with a legal professional.

Removing appliances from a foreclosure without permission can be considered theft, which is a criminal offense. Depending on the value of the items removed, the individual may face criminal charges and potentially go to jail. It is important to verify ownership rights and seek permission before removing any items from a foreclosure property.

Several states have statutory rights of redemption after foreclosure, including Alabama, Connecticut, Delaware, Iowa, Minnesota, Mississippi, Missouri, Tennessee, and Wisconsin. These states allow homeowners a period of time after foreclosure to buy back their property by paying the outstanding mortgage debt.

In Ohio, a surviving spouse may have rights to a family allowance, exempt property, and a share of the deceased spouse's estate if there were children from a previous relationship. Depending on the circumstances, the surviving spouse may also have rights to social security benefits or life insurance proceeds.

A lawyer acting as a debt collector can usually file for a judgment in court even during the 30-day validation period. However, if the defendant has requested validation of the debt within the allotted time frame, the debt collector usually cannot seek a judgment until the validation process is complete and the debt has been verified.

If you have received a summons from debt collectors, it means they are taking legal action against you to collect the debt. It is important to respond promptly by seeking legal advice or negotiating a repayment plan to avoid further legal consequences. Ignoring a summons can result in a default judgment being entered against you.

Yes, a lawyer may choose to turn over an unpaid bill to a collection agency as a means to recover the debt. However, they must comply with applicable laws and regulations governing debt collection practices.