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Debt Collection

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.

5,393 Questions

How can you sue a primary account holder if you are the co-signer and the primary account holder has moved out of state Colorado vs Arkansas California and North Carolina?

Sorry to say, but there would not be any point to file such a lawsuit, since it would not be enforceable, however your not the first to want to file one.

It is one of the most common fights in a divorce situation, ex runs up all the cards and the co-signing spouse does not feel its fair to pay the bill. Sadly and while it is not fair that is the purpose of a co-signer, and the credit agreement you signed clearly indicated that both account members would be equally responsible for the repayment and regardless of the usage or benefit.

Are deficiency judgments allowed in Minnesota after foreclosure?

In certain cases, deficiency judgments are allowed in Minnesota after a foreclosure.

While they may be allowed in a judicial foreclosure proceeding, the amount of the judgment may be limited by the fair market value of the property that was foreclosed on. Homeowners have the right to a jury trial to determine the fair market value of the property.

If nonjudicial foreclosure is used with a power of sale clause in a deed of trust, and the six month redemption period is available to the homeowners after foreclosure, a deficiency judgment is not allowed.

Minnesota statutes relating to foreclosure of real estate are located at the following place in the state laws:

Minn. Stat. sections 580.01 to 580.30

Can a family court judge view your bank account information?

Yes, and No, if a motion is made by a party to a lawsuit before a family court judge to have a party produce their banking information the courts can order the other party to provide such documents. However, the courts do not have the access to just type in your name and pull up you banking information. In most family court cases both parties would have completed a financial affidavit detailing all their financial information, and they are very hard if anyone is found to be hiding or misleading the courts on their assets and/or income.

How long does a judgment stay against someone?

The length of time a judgment stays against someone varies by jurisdiction and type of judgment. In general, a judgment can remain on a person's credit report for 7 years or longer until it is satisfied or discharged. It may also be renewable or extendable based on the laws of the specific jurisdiction.

How you find out if you have a default judgment?

You can find out if a default judgment has been entered against you by checking court records, contacting the court where the case was filed, or receiving notification from the court or the other party involved in the case. It is important to address any default judgments promptly to understand the consequences and explore your options for challenging or resolving the judgment.

Is Florida a judicial or non judicial state for foreclosures?

Florida is a judicial state for foreclosures. This means that lenders must go through the court system to foreclose on a property in Florida. This process typically involves filing a lawsuit against the borrower.

How many times can a debt collector call?

A dept collector can call as many times as he wants.

First off it is deBt not dePt,and secondly it could be he/she...Most importantly get name and address of collection agency,and send them a,return receipt requested letter,stating you want them to stop.

Can a debt collector threaten with felony charges?

No, debt collectors cannot threaten you with felony charges. It is illegal for debt collectors to falsely represent the consequences of not paying a debt, including threats of criminal charges. If a debt collector engages in this behavior, you can report them to the Consumer Financial Protection Bureau.

Is a judgment against the person or property?

The judgment is against the person, not the property.

What time of day can you make collection calls?

Collection calls should generally be made between 8:00 a.m. and 9:00 p.m. local time, according to the Fair Debt Collection Practices Act. It's important to be mindful of the recipient's time zone when making collection calls.

Regarding squatter's rights who has the right to property that has been maintained for years in a foreclosure sale?

"Squatters" are a misunderstood group. Generally, in the United States they have no rights. They are trespassers during their period of trespass. They are people who use and improve another person's land openly and without permission. If the owner allows the situation to extend for a period of years (that period varies from state to state) they can file an action for "adverse possession" and obtain title to the premises. Until they do that and succeed they have no rights. The procedure varies in different states.

It sounds as though the party who maintained the property for years had someone's permission to do so. In that case they would not be considered "squatters". If they had an agreement to maintain the property while living there then they could sue the other party if they breached the agreement. However, they are using the property subject to the mortgage that the owner granted to a bank. The bank has the right to take possession of the property by a foreclosure. It can sell the property and apply the proceeds toward the unpaid balance on the mortgage.

Can a NY state process server serve a summons to a home before 7am?

No, process servers are generally prohibited from serving legal documents before 8 am and after 9 pm according to New York state laws. However, there are certain exceptions that may allow for earlier service with court approval or if the recipient agrees to accept service outside of these hours.

Can you refuse to accept a summons for someone else?

Yes and no.

If the summons is not addressed to you, you are not legally required to accept it, however, if the person is living with you, then the officer is allowed to leave the summons with you.

If you refuse to accept the summons, and the person lives there, the officer may tack and mail a copy to your residence for that person, which will complete service.

How long can a debt collector collect a debt from a judgment if you have moved to South Carolina?

Moving has no affect on a debt. The creditor or his agent the collector may collect against a judgment for ten years from the date of judgment or the date of last payment, which ever is later.

What word means legally collectible?

The word that means legally collectible is 'enforceable.'

What collective rights do anglophones have?

Anglophones in Canada have many collective rights. One of which is the right to a feasible education in a non-anglophone majority, example: Jim is an Anglophone living in Quebec, he has 2 sons. He has the right for his children to have an education in English. Anglophones also have the right to speak English in a Francophone majority as well as to have signs printed in English in a Francophone majority. This is the same as French being written on cereal boxes including English.....

I hope this answers your question............

How can you find out where someone works so you can use your superior court order and garnish their wages?

To find out where someone works, you can try contacting their previous employers, checking public records such as property deeds or vehicle registrations, or hiring a private investigator to gather the information. Once you have confirmed their place of employment, you can proceed with serving the court order for wage garnishment.

Can you be forced to sell your primary residence to satisfy a judgment in sc?

In South Carolina, there are certain protections in place to prevent creditors from forcing the sale of your primary residence to satisfy a judgment. These protections include homestead exemptions that shield a certain amount of the equity in your home from creditors. However, there are exceptions to this protection, such as debts related to the mortgage or liens against the property. It is recommended to consult with a legal professional for advice specific to your situation.

Can you be arrested fo not paying bills?

Directly, no. Indirectly, yes. Debt itself is a civil matter, but court orders are not.

If you did not pay your debt, the creditor may take you to court. The court may issue an order for you to pay a certain amount per month, etc. Disobeying this is a criminal offence. So in that case you may be arrested.

Who said Law is the correct judgment of the state?

Plato, a classical Greek philosopher, is often attributed with the quote "Law is the correct judgment of the state." This concept reflects his belief in the importance of laws in maintaining a just and orderly society.

How long before a collection agency can file a judgment in Washington state?

In Washington state, a collection agency can potentially file for a judgment as soon as they have exhausted other debt collection methods and the applicable statute of limitations has not expired, which is generally six years for most debts. However, the timeline may vary depending on the specific circumstances of the case. It is advisable to seek legal advice if you are facing a potential judgment from a collection agency.

What happens if you are summoned to court for a collection debt and you are on disability if you don't show up?

If you don't show up to court for a collection debt case, the court could issue a default judgment against you, meaning the creditor automatically wins the case. This could lead to wage garnishment or bank account seizure to satisfy the debt. It is important to attend court or seek legal advice to understand your options.