• Industry, Charitable, Educational, Transformational  and Legal  Links We Support This area provides you with a list of industry resources you may find helpful as you buy, sell, invest in or collect on debt portfolios. For more information on a particular industry resource, simply click on it. If your company is interested in being listed as an industry resource, send us an email at marketing@westerncapitalcredit.com or call 1-877-517-9555 , If you are a non profit organization that assists disadvantaged minorities, including past criminal offenders, addiction treatment centres and counselling agencies (non-profit) who are on the road to recovery, we do not charge! For our Advertising Rate Sheet Please Click Here Did you know that most, if not all of the companies that are listed on the www.MyCollector.com  web site, are monitored by attorneys throughout the nation.  These are a few of the sites that we use on a regular basis to assist the consumer victims that we serve: State Trial Lawyers West Virginia Association for Justice Georgia Trial Lawyers Consumer Attorneys of California New York State Trial Lawyers North Carolina Academy of Trial Lawyers Oklahoma Trial Lawyers Massachusetts Academy of Trial Lawyers Oregon Trial Lawyers Tennessee Trial Lawyers Mississippi Association for Justice Colorado Trial Lawyers Kansas Association for Justice Washington State Trial Lawyers South Carolina Trial Lawyers Association Kentucky Justice Association Regional Bar Associations   Camden County Bar Suffolk County Bar Kane County Bar Association Northwest Suburban Bar City Bar Associations   Cincinnati Bar New York City Bar    Detroit Metro Bar   For more information on Affinity Partnerships, please contact Lisa Hall  at 1.877.517.9555 For more information on Seminars, please contact Elizabeth Strong at  at 1.877.517.9555 Did you know that we support the personal development of our readers around the world. These are some of the companies that we recommend The Impact Trainings Program, Utah The Impact Trainings are unique in this world. Each training is targeted at a different aspect of life and is designed to empower the human spirit toward living a free, unconditional loving and joyful life. We provide professional facilitators and a safe environment for each student to discover and be their true selves. Since Impact Training conducted their first training in 1985, they have had over one hundred thousand students from all over the world come through the training program. It is difficult to travel without having someone come up to us and thank us for their training experience, said Hans and Sally Berger, the founders, Even when completing their training years before, they are still living their dreams and experiencing the peace and joy that Impact Training teaches. Our CEO, Robert Paisola , who is an international motivational trainer, author and speaker himself, has personally attended every single program that this company offers and will guarantee YOU a life changing experience. All Western Capital employees, no matter what position that they fulfil, choose into the Impact Trainings Program in Utah The Robert Paisola Foundation If you want to see a dramatic shift in the life of one individual, you deserve to look at www.PrisonPartners.com , This foundation is in alignment with the November Coalition, the FAMM Organization , Criminon International , www.Reformation.org  and many other Offender Reform Program. Learn one ideal... Offenders CAN BE REFORMED Have Robert Paisola Train your Groups! Just Click the link above for all of the details, and be prepared to be blown away! THE SECRET Wow! Words can not explain what the movie, book and audio series, "The Secret" has done to change not only Western Capital , but humanity in General. If you have not heard or read about this go to www.TheSecretDirect.com  Now! The James Smith Real Estate Program , REIS If you are searching for your life's passion, and can not seem to find the road that leads to your goals, one of our great friends, Mr. James Smith, will show you the way to Real Estate Wealth via secure and strong investments. The Learning Annex www.learningannex.com  Bill Zanker Presents  3 days of pure learning, fun and excitement featuring Donald Trump, Anthony Robbins, James Smith, RG Williams, Jack Canfield, and many more. You Must Attend this event! The Conference Works The ConferenceWorks! is a company dedicated to the evolution of personal consciousness. Showcasing today’s most relevant presenters, they seek to bring wisdom, learning and new perspectives to their attendees. If you’re going to invest your time and money in a weekend of learning and relaxation, they make sure you get the best of both. Every The ConferenceWorks! workshop brings you deeper learning & new ideas. Real tools you can use to support conscious evolution in your life, your profession and your relationship with the world in which you live. Join them for workshops or seminars by talented presenters such as Joan Borysenko, Gregg Braden, Donna Eden, David Feinstein, Jonathan Goldman, Bruce Lipton, Caroline Myss, Belleruth Naparstek, Robert Ohotto, and Geneen Roth. http://www.conferenceworks.com Bob Proctor Life Success Now, you can become a one-on-one consultant from the comfort of your kitchen table! Join the LifeSuccess Consultants program, where they first train you in Bob Proctor’s best-selling programs, then provide the coaching curriculum, personable support, business building advice and technology you need to help people around the world achieve the lives of their dreams. For nearly 40 years, Bob Proctor has guided thousands upon thousands of individuals through incredible and enormous shifts in their lives. Today, just about anywhere in the world, you’ll find people living richer, more abundant lives because of the concepts and actions steps they’ve learned directly from Bob Proctor. http://www.bobproctor.com Deepak Chopra Center Are you ready to turn your hopes, dreams, and desires into your new reality? Deepak Chopra is known as the teacher and author of the spontaneous fulfillment of desire. This is a rare opportunity to spend time with Deepak in an intimate setting as he teaches you how to bring ever-growing fulfillment into your life using the powers of attention and intention. Are you looking to make a shift or to take your life to the next level? For years, many have come to SynchroDestiny to gather tools and inspiration to become the author of the story of their life. In this hands-on training, Deepak will coach you on how to harness the power of coincidence to turn the unknown into the known. Join Deepak and the Chopra Center family for four days in an intimate setting as we manifest our intentions and desires into success. http://www.chopra.com Art of Allowing - Esther and Jerry Hicks The Abraham teachings affirm our well-being and help us to recognize the power of joy in achieving all that is desired in life. We invite you to attend an Abraham-Hicks “Art of Allowing” workshop and participate in dialog with Esther and Jerry Hicks and the teachers called Abraham. “Art of Allowing” workshops, offered in over forty U.S. cities a year, plus scenic adventure cruises, are the ideal way to learn from Abraham, and are the basis of all the recordings offered by Abraham-Hicks Publications. http://www.abraham-seminars.com The Demartine Method Change your life. Empower yourself to design and live your dreams. If what you desire is greater clarity of purpose, self worth, appreciation, love, certainty and masterful presence then The Breakthrough Experience ® is for you. It is a new way of living and an investment that pays dividends for the rest of your life. The Demartini Method ® is one of the most powerful, effective and efficient methodology in personal transformation available today. It will assist you in making quantum leaps in consciousness in quantum time. What once took weeks, months or even years can now be accomplished in a matter of hours. It is a foolproof and effective means of transforming any form of stress or conflict into grateful states of love and vitality. http://www.drdemartini.com James Ray International Change your life. Empower yourself to design and live your dreams. If what you desire is greater clarity of purpose, self worth, appreciation, love, certainty and masterful presence then The Breakthrough Experience ® is for you. It is a new way of living and an investment that pays dividends for the rest of your life. Regardless of your current understanding, education, or skill, if you’re willing to roll up your sleeves and put this curriculum into action, it will put you into high gear like nothing you have ever experienced. Simply put…it will change your life. http://www.jamesray.com University of Transformational Studies and Leadership The essence of Agape is best described by its founder, Dr. Michael Bernard Beckwith: “When I founded the Agape International Spiritual Center and community in 1986, I “visioned” it as a movement that would take a stand for love, for peace, for being a beneficial presence on the planet. That’s why it was named “Agape,” which in Greek means unconditional love. Agape’s vision is fueled by the love of God, the One, indefinable yet unmistakable Presence whose vehicle on earth is the human heart and soul. His aspiration is that every individual who is touched by the vibration of Agape is inspired to cultivate a heart of love as wide as the world.”Through Dr. Beckwith’s weekly services, Agape’s University of Transformational Studies and Leadership classes, ministries and other outreach programs, the heart of Agape reaches deep into local and global communities teaching individuals about the transforming, healing power of prayer, meditation, and selfless service. http://www.utsla.com Jack Canfield - America’s Success Coach Jack Canfield has dedicated 30 years of his life to mentor, teach and coach success principles and happiness to millions worldwide. He has formulated tools for individuals to identify goals and strategically plan producing positive results with certainty. His audiences include corporations, trade associations, healthcare, sales rallies, university lecture series, non-profit organizations and education. Jack Canfield continually reaches millions through his book series “Chicken Soup for the Soul” which currently has over 80 million books published and is listed in 39 different languages. Jack Canfield is highly regarded as America’s leading “success coach” teaching the principles he established and uses daily in his professional and personal life. http://www.jackcanfield.com Spirit Rock Meditation Center Spirit Rock Meditation Center is dedicated to the teachings of the Buddha as presented in the vipassana tradition. The practice of mindful awareness, called Insight or Vipassana Meditation, is at the heart of all the activities at Spirit Rock. The Center hosts a full program of ongoing classes, daylong programs, and residential retreats.In its 15-year history, several historic events have taken place at Spirit Rock: The Dalai Lama attended a conference of international Buddhist teachers in 2000, Alice Walker spoke at the African American retreat in 2002, which brought together for the first time teachers, community leaders, and practitioners from around the nation. Vietnamese leader, Thich Nhat Hahn has taught at Spirit Rock, as well as Ram Das, Huston Smith, and many other well known Buddhist teachers. http://www.spiritrock.org Natalie Goldberrg - The Practice of Writing, Sitting and Walking Natalie has been teaching seminars in writing as a practice for the last thirty years. People from around the world attend her life-changing workshops and she has a reputation as a great teacher. The Oprah Winfrey Show sent a film crew to spend the day with Natalie for a segment on Spirituality that covered her writing, teaching, painting, and walking meditation. She is a thoughtful woman who inspires you to develope your imagination. Natalie attracts people from all walks of life to attend her week-long writing workshops at the Mabel Dodge House, historic site on the edge of Pueblo land in the shadow of Taos Mountain, where Georgia O’Keefe, D.H. Lawrence, Willa Cather, and Ansel Adams broke open to the magic of the landscape. http://www.nataliegoldberg.com Voice Dialogue International - Hal and Sidra Stone, Ph.D. Drs. Hal and Sidra Stone’s work, Voice Dialogue, Relationship, and the Psychology of Selves can be used by individuals for their own personal growth or by professionals in the fields of psychotherapy, counseling, personal coaching, and business and organizational consulting. Their psychospiritual approach to consciousness and transformation includes an in-depth study of the many selves or subpersonalities that make up the psyche, as well as work with dreams, archetypal bonding patterns, and body energy fields. http://www.delos-inc.com Avatar - Harry Palmer Avatar is a powerful and speedily effective course based on the simple truth that your beliefs will cause you to create or attract situations and events that you experience as your life. The goal of the three-section course is to guide you in an exploration of your own belief system and to equip you with the tools to modify those things that you wish to change. THE AVATAR course opens a window to the inner workings of your own consciousness. The course teaches world lessons (experiential) rather than word lessons (intellectual). For this reason it requires a trained AVATAR MASTER to guide you into the actual lessons already contained in your own consciousness. http://www.avatarepc.com Marianne Williamson Marianne Williamson is an internationally acclaimed author and lecturer. Her newest book, ‘The Gift of Change: Spiritual Guidance for A Radically New Life,’ joins the ranks of her other eight books including her mega bestsellers, ‘A Return to Love’ and ‘Everyday Grace,’ both which have been #1 on the New York Times Bestsellers List.” Love is always an available option. But we are always free to say yes to it or no, according to our own free will. It is your destiny to become completely and totally radiant and blissful; how long you take to get there, and how rocky a road you choose, is entirely up to you.” http://marianne.com Caroline Myss - Educational Institute Caroline is dedicated to creating educational programs in the field of human consciousness, spirituality and mysticism, health, energy medicine, and advancing the science of medical intuition. She established CMED, her own educational institute, in 2003, which offers two programs running three courses per year, on Sacred Contracts and Mysticism. Additionally, Caroline maintains a rigorous workshop and lecture schedule internationally and continues a consultation practice with physicians, psychiatrists, psychologists, and other health practitioners, as a medical intuitive.Our vision is to develop Myss.com as a primary Internet gateway for people seeking holistic methods for achieving good health. The mission, as they’ve currently articulated it, is to facilitate a lively interactive Internet community through which people can: learn about holistic, energy and intuitive medicine, spiritual direction, including my philosophy and those of other professionals; buy education resources and health aids that help people heal themselves; and contribute to the development of the field. http://www.myss.com Institute of Noetic Science A nonprofit membership organization located in Northern California that conducts and sponsors leading-edge research into the potentials and powers of consciousness—including perceptions, beliefs, attention, intention, and intuition. The institute explores phenomena that do not necessarily fit conventional scientific models, while maintaining a commitment to scientific rigor.Their 200-acre Retreat Center hosts workshops, retreats, and educational activities. They support community-building through local community groups, online discussions, and other networking opportunities. http://www.noetic.org Centerpointe Research Institute - Bill Harris Bill Harris has been involved in personal development for over thirty-five years as a seeker, teacher, public speaker, author, musician, composer, therapist, workshop leader, and business owner. A student of ancient and modern research into the nature of the mind, he has studied and practiced a variety of traditional and modern transformational techniques and approaches with a variety of teachers. Centerpointe has grown to be one of the largest personal growth companies in the world, with program participants in 172 countries. Become a participant and find out for yourself just how incredible Holosync technology, and the program they have created around it, can be in changing your life. Centerpointe has grown to be one of the largest personal growth companies in the world, with program participants in 172 countries. http://www.centerpointe.com   Acordia Mountain West Insurance www.acordia.com   America First Credit Union www.americafirst.com   American Family Insurance www.amfam.com   Association Health Plans www.assnhealthplans.org   Bank of Utah www.bankofutah.com   Bank One www.bankone.com   Brinks www.brinksinc.com   Cache Valley Electric www.cvelectric.com   Cameron Construction www.cameronconst.com   Crawford Door Sales www.cdc-slc.com   Cummins Intermountain www.intermountain.cummins.com   Davis Applied Technology College www.datc.net   Dunn Associates (Structural Engineers) www.dunn-se.com   Final Offers (Taxpayer Advocates) finaloffers@gmail.com 801-566-5535   Highland Cove www.highlandcove.com   IBEW Local 354 www.electricutah.org   Key Bank www.keybank.com   The Layton Companies www.layton-const.com   The Leavitt Group www.leavitt.com   SL Marriott City Center www.marriott.com\slccc   Metro National Title www.metrotitle.com   Mountain West Telecom www.mtnwesttelecom.com   Muir Copper Canyon Farms www.coppercanyonfarms.com   New Life Office Systems www.newlifeoffice.com   Utah Power www.pacificorp.com   Peterbilt of Utah www.peterbiltofutah.com   Rydalch Electric www.rydalch-electric.com   Salt Lake City Corporation www.ci.slc.ut.us   Salt Lake Community College www.slcc.edu   Salt Palace Convention Center www.saltpalace.com   Scott Machinery www.scottmachineryco.com   Spectrum Engineers, Inc. www.spdesign.com   State of Utah www.utah.gov   Strategic Staffing A leader in the staffing industries. www.strategicstaffs.com   U. of Utah Athletic Dept. www.utahutes.com   Upper Limit Fitness Warehouse www.upperlimit.com   Utah Business Consultants A Business Brokerage and Evaluation Company www.ubcutah.com   Utah Certified Development Company www.utahcdc.com   Warnertruck Center www.etruckcenter.com   Red Lion Hotel Stay Comfortable at Red Lion Web site   Wheeler Machinery www.wmccat.com   Xmission www.xmission.com   Zions Bank www.zionsbank.com   University of Utah www.continue.utah.edu/careers 801-585-1780   High Tech Signs www.hightechsigns.biz   Christopherson Travel Group One of Utah's leading business travel management companies. www.Christophersontravel.com 801-327-7700   Webster University Graduate education for the person looking for real world learning. With more than 100 campuses worldwide. www.webster.edu/utah Main Campus: 801-281-4801 Hill Air Force Base Campus: 801-779-2061   Sampan A favorite Chinese restaurant with easy online ordering to any of their several locations in Salt Lake County. www.esampan.com   Modern Display Providing Store Fixtures, Convention equiptment,party rentals or an extensieve aray design and display product. www.moderndisplay.com 801-355-8401   Buckner Group Insurance,Bonds, Risk Management www.thebucknergroup.com 801-265-1011   The Franklin Company Administrative and Office Staffing in Accounting, Engineering etc. www.franklin-tech.com 801-261-3282   Hess Corporate Travel A diverse corporate and leasure travel company 801-292-8687   Diamond Airport Parking Easy parking close to SLC airport. 801-355-PARK   Park 'n JET 22 years of experience with business travelers. www.parknjet.com   1st Utah Bank Your Community Bank www.firstutahbank.com 801-571-5740   Altius Health Plans We have all your health insurance needs covered. www.altiushealthplans.com 801-933-3242   Jerry Seiner Dealerships GM, Isuzu, Chevrolet and Caddilac fleet and commercial experts. www.jerryseiner.com 801-952-5724   Staker & Parson Companies Quality rock product and construction serviecs www.stakerpaving.com 801-298-7500 www.jbparson.com 888-6PARSON   IHC WORKMED An occupational health service of Intemountain Health Care www.ihcworkmed.com 1-877-967-5633 Western Capital Financial www.westerncapitalfinancial.com 1-877-517-9555   Charitable Organizations We Support

  Questions Answered By Expert  Robert Paisola  In Category  Collections Law Subject Date Asked Court Suit Ex Husbands Debt/forged signature: Robert Paisola Responds 3/19/2007   Q: My ex husband took out a loan with Best Finance for air purifiers in 6/05.Our divorce was final ...   A: Sharon: Thanks for writing to me on the issue of the Air Purifier that you bought in 2005. This ... UNIFUND MEDIATION; THEY LIE; ROBERT PAISOLA RESPONDS 3/2/2007   Q: I've been in mediation with Unifund 3 times, every time i ask them a question they cannot answer ...   A: Sylvia: Here is the solution. Go to my site at www.Collectionindustrylive.com and join the VIP ... Credit Report 3/1/2007   Q: I recently aquired 2 of 3 credit reports and found discrepencies on both. I found on 1 that ...   A: Sam: I read your letter and this is a difficult issue as this is your minor child. I am not sure ... Collection fees for a incorrect medical bill 3/1/2007   Q: Mr. Paisola, A Virginia Family Practice Doctors office submitted a bill to collections when TRICARE, ...   A: Joe, This is a serious matter, as this 16.00 can and will affect your security clearance. Give me ... Paid Debt Collector: Receives Garnishment Order AFTER payment: Robert Paisola Responds 2/28/2007   Q: Out of the blue I received a letter of garnishment 9 days before it was suppose to be in effect. It ...   A: Erica, Thanks so much for taking time to write to me. I really appreciate the ability to assist ... Civil Suit Filed: No Answer Given by Defendant: Robert Paisola Resoponds 2/28/2007   Q: unfortunately, i was too late on this too. a judgement has now been entered against me. i don't ...   A: Carla, Call me at my office at 1-877-517-9555 in the morning and we will talk about this. I want ... car 2/26/2007   Q: I had bought a car through JD byrider in 2004, the car is a 1995 pontiac grand am, I got in to some ...   A: Bonnie: This is what I would do. I would take (or tow the car) to the Finance Company and deliver ... Hospital Bill: Pays Debt Collector: No More Bill: Robert Paisola Responds 2/23/2007   Q: I WOULD LIKE TO KNOW WHY YOU GUYS DID NOT ANSWER MY QUESTION??? MY PREVIOUS QUESTION: Around four ...   A: Deysi! Thanks for taking the time to write to me about your hospital bill. I am a volunteer for ... Debt Collection: Can they Take SSI ir Disabiliy: Robert Paisola Responds 2/22/2007   Q: i want to know if c c debtors can take my ss disability. i was doing good paying my pymts.,then when ...   A: Alice! Thanks for taking time out of your day to write to me about your Social Security Check. Let ... Collection agency suit 2/21/2007   Q: Today I received a summons stating that I am being sued for $1716(this includes attorneys fees as ...   A: Good Afternoon Zelda: Dealing with Providian is a mess. 99% of the portfolio is a mess, and that is ... Buying A Car: Cant Make Payments: Private Contract: Default: Robert Paisola Responds 2/21/2007   Q: I have a friend who signed a contract to make payments and take care of the car, in Texas and now is ...   A: Good Afternoon Charles: Thanks for taking the time to write to me about the third party transfer of ... Civil Proceesings Against Doctor: Assets Seized: Signature DEMANDED: Robert Paisola Responds 2/20/2007   Q: There was a judgement against me in 2004 for 35k and recently a collection attorney filed an order ...   A: Doc, I have read your question with great interest. This is a matter that we must discuss in ... Debt Collections Case: Adding Attorney and Collection Fees: Robert Paisola Responds 2/17/2007   Q: can an agency charge you an attorney/collection cost on top of what i owe if we not have been to ...   A: Robert, Great question! If the contract calls for the allowance of collection fees, then you can ... Another Unifund Lawsuit: Mastercard: Robert Paisola Responds 2/16/2007   Q: I'm from California back in June of 2006 I got summoned to go to court from Unifund it was an old ...   A: Belen, Thank you for taking the time to write to me about your legal issue involving Unifund. ... Civil Suit Filed: No Answer Given by Defendant: Robert Paisola Resoponds 2/16/2007   Q: i contacted you a while ago about being sued by Capital One. I live in california. I did not ...   A: Carla, It ia great to hear from you again. I am sad that you were not able to file the answer with ... Former Military: Student Loan: Collection Agency: Robert Paisola Responds 2/14/2007   Q: I am having a terrible time finding a way out of this predicament. I took out a small student loan ...   A: Brett: Thank you for serving our country. You are a good man and I admire what you are doing in ... good faith payment 2/13/2007   Q: Dear Robert, I want to know about the "Good Faith Payment" with creditors and how it works. From my ...   A: Tracy, Thank you for taking the time to write to me about the routine demand that debt collectors ... paying off debt 2/12/2007   Q: i am writing to you today regarding a personal debt . last june i made a payment plan with this ...   A: Kari, Thank you for taking the time to write to me about the debt that was at the attorneys office. ... Collections question 2/12/2007   Q: What is the statue of limitations on a phone bill collection. This bill is at least 12 years ...   A: Nichole, Thanks for taking the time to write to me about your phone bill. The statute of ... SOL in Ohio for credit card 2/8/2007   Q: I read your information on credit card SOL in Ohio being 4 not 6. I have been told that it is 15 as ...   A: Kay, In an issue like this where the data that is presented via our research team, I always ... Extra charges without disclosure 2/6/2007   Q: I visited a foot doctor, it was the second time I had used my insurance. There was a $30 visit fee ...   A: Colin, Here is the problem. I am sure that you signed a medical authorization form when you went to ... Garnishment 2/2/2007   Q: Ok, so this is a dumb question that I already know the answer to but curiosity killed the cat... I ...   A: my Friend Natalie! First of all your question is not dumb. The only question that is dumb is the ... can hospital collect on bills over 7 years old 2/1/2007   Q: I have a judgement against me for unpaid medical bills. A few months ago, I was suppose to receive a ...   A: Jayla, Thank you for taking the time to write to me about the hospital bill that you state is in ... GARNISHMENT 1/31/2007   Q: I cosigned with my mother about 6 or 7 years ago on a car loan. Now the creditor is garnishing my ...   A: Good Afternoon John, Thank you for writing to me about your issue regarding the co-signing that you ... credit card 1/31/2007   Q: I received a summons from a State Trooper (NY) today stating I need to come to court regarding a 7 ...   A: Good Afternoon Heidi, Thank you for taking the time to write to me about the issue that you are ... student debt collection issue 1/15/2007   Q: I attended a college several years ago and I have an outstanding balance of $3339.00 in tuition ...   A: Alex... You are being played. Go to my site at www.MyCollector.com and join the VIP Program. It ... Sunday 1/15/2007   Q: can bill collectors call on sunday, whsat do i do if they want a post dated check for payment and ...   A: Doug, Yes, they can call under the FDCPA on Sunday, however most agencies do NOT CALL ON SUNDAY, as ... reposession 1/14/2007   Q: I financed a blazer for 6 years for $24,000 two years ago. I did a voluntary reposession on the ...   A: Anita, First of all, thanks for writing to me about the 24K blazer. That is a lot of cash for that ... Illinois law re, SOL-credit card past 7 yrs 1/13/2007   Q: Please tell me where or how I can find proof of SOL for repayment enforcement on credit card debt. I ...   A: Sandi, Thanks for writing to me on your Discover Card Issue. I did some research for you and it ... Judgement liens 1/12/2007   Q: My mother has about $100,000 in credit card debt. She was diagnosed with cancer last year and was ...   A: Noelle, Thanks for writing to me on your moms issue. First of all, let me say that the fact that ... Collection Calls 1/12/2007   Q: My sister has been off work since October due to an illness resulting in an amputation. She does not ...   A: Good Evening Dana, Thanks for taking the time to write to me about your sister and her issues that ... Collections and Judgements 12/27/2006   Q: I have a collection agency provide me with a summons to appear in court. I called the agency ...   A: Sheila, Thanks for spending the time to write me about your bill with DTE. This is an issue that I ... consent judgement stipulation 12/26/2006   Q: Thanks for taking the time to review this question. I agreed to a settlement amount with a debt ...   A: Karl, Do not sigh that document. I am not sending you legal advise, but if you are going to PAY, ... Being sued by Unifund CCR Partners 12/21/2006   Q: I got an early Christmas present this year: a summons from Unifund CCR Partners. I read some of ...   A: Eric, I respect that you are the custodial parent of four children. That really shows your ... Judgments & Collections 12/20/2006   Q: I have 6 credit cards with Collection Agencies and 2 Judgments in MN. I stopped paying them back ...   A: Beck, Thanks for taking the time to write to me about settling all of your debts. My initial ... SOL in PA on Credit Cards Law 12/19/2006   Q: Mr Paisola Other then paying an attorney would you know where I could go to get a copy ...   A: Jill, I hope that you are having a great holiday season! I took some time and looked up some ... Post Judgment Interest on School Loan 12/18/2006   Q: I would really appreciate it if you would answer just a few questions. I had a school loan from ...   A: Tonya! Happy Holidays and thanks for taking the time to write to me about your school loan from ... Collections 12/16/2006   Q: I have an account in collections with Asset Acceptance, LLC and have had a hard time paying them ...   A: Tom, I have a conflict with Asset Acceptance Corp. If you want to join the VIP Program, It will ... Car repo legal action questions 12/16/2006   Q: I had bought a car with my boyfriend. We had seperated and we had written an informal agreement that ...   A: Merry Christmas Charlene, Thanks for taking the time to write to me about your car repo and the ... ohio SOL 12/15/2006   Q: The SOL in Ohio for credit card (open-end) debt is 4 years, not 6. The SOL is governed by 1302.98 -- ...   A: Thank you for your detailed research on the State of Ohio Statute of Limitations. Our readers will ... Sued for a debt 12/14/2006   Q: I am being sued for a credit card debt for Capital One for roughly 4300.00. I joined with a debt ...   A: Mike, Merry Christmas and I am glad that you have taken the time to write to me on this very ... Credit Card 12/14/2006   Q: I have an old credit card that i never paid from 2001. I had a creditor call me yesterday and said ...   A: Good Morning Leah! Thank you for writing to me about your issue from 2001 and the court date that ... satisfied judgement lien 12/13/2006   Q: Mr.Paisola, I satisfied a lien against my WA. home in April of this year but the collection agency ...   A: Dan, If you paid the claim to the agency, then the proof that you will need to provide to the title ... Had a question about banks and fraud... 12/12/2006   Q: I heard about a person who had a great deal of money taken out of her personal bank account by ...   A: Duane, Thanks for taking the time to write to me about your issue with bank fraud and your request ... collection agencies 12/11/2006   Q: I have had three cards that have been charged off about 6 years ago. Recently, I checked my credit ...   A: Mina, Thank you for taking the time to write to me and Happy Holidays! You have been wronged and ... American General Finance Judgment 12/10/2006   Q: My husband & I have had this judgment for quiet some time. When my husband was in the Army we had ...   A: Deborah, Thank you for taking the time out of your day to write to me about the issue with ... Judgement after Settling 12/10/2006   Q: Robert, I recently settled my charged-off accounts through the collection agencies. I actually ...   A: Dave, Thanks for taking the time to write to me about your issue involving the settled accounts ... LIABILITY AND CLAIMS COLLECTION UNDER DUI 12/9/2006   Q: , About 2-3 years ago I was in a DUI accident! I hit my rental car into the rear wheel of a parked ...   A: Mr Mac. I appreciate the opportunity that you have provided me to answer your question. Ok. I ... Consumer Protection Laws 12/9/2006   Q: To be brief, I have a friend that submitted her insurance to a hospital but the facility submitted ...   A: Good Evening Tenille, Thank you for writing to me about your insurance issue. If the issue is as ... Car repossession- Good News- No Debtors Prison by Paisola 12/5/2006   Q: I have over exstended myself,and cannot afford my car payment. I am considering to turn the car in ...   A: Randall, Thank God that we do not have debtors prisons anymore! I am glad to assist you and want ... Attempted collection of unrecognized debt 12/4/2006   Q: My husband received a letter dated 11/28/06 from Boudreau & Associates, LLC of Salem, NH regarding a ...   A: Andrea, Boudreau & Associates, LLC of Salem, NH is one of the companies that we have investigated ... Amex Judgement 12/4/2006   Q: I have a judgement from Amex (original debt $11K + fees now is $22K). The judgement was filed in ...   A: Able, I deal with American Express everyday for my VIP Clients. There is a strict protocol at AMEX ... Car Repo and judgement against 11/30/2006   Q: A little over ten years ago I defaulted on a car loan to Ford Motor Credit. Unfortunately the Ohio ...   A: Greg! Thanks for taking the time to write to me today. There is a section on our site where we go ... arbitration notice 11/29/2006   Q: Arbitration notice from NCO Financial in Maryland. I live in SC.MBNA card of $5500, now amount up to ...   A: Deborah, Here is the bottom line. NCO is having a lot of legal issues around the country at this ... Collection agency final payment 11/29/2006   Q: I am in need of some advice concerning a collection agency in Portland, Oregon. I have been paying ...   A: Jim, Thanks for taking the time to write to me regarding your issue with the collection agency in ... FDCPA violation dollar amount 11/28/2006   Q: Robert, I enjoy reading your answers here. One point of confusion: I keep reading from you that ...   A: Brent, The FDCPA violation "recipie" calls for 1,000 per violation. That is the OFFICIAL sanction. ... death and credit cards 11/28/2006   Q: my mom passed away in July and now the credit cards that she was not able to pay on for a long while ...   A: Robin, Good News... Tell all the creditors to go to hell. There is no estate and your mom is dead. ... Judgement granted against me without my knowledge 11/27/2006   Q: I just recently checked my credit report and found a judgement granted against me from Ohio....I ...   A: Saundra, Thank you for taking the time to write to me about your situation. Here is the deal. ... What are my options, repossed car 11/25/2006   Q: I had purchased a $23,000.00 2001 GMC Yukon with my ex-fiancee in April of 2003. I was making ...   A: Good Evening Mike, Thank you for taking the time to write to me regarding your issue with the 2001 ... medical bills 11/25/2006   Q: I am receiving collection letters for medical bills incurred by my ex-wife. We've been divorced for ...   A: Good Evening Gary, This is a quick answer! Get a copy of the letters demanding payment. Contact the ... Debt Collection 11/15/2006   Q: I was sued for debt in Misssouri in 1997 and my wages were garnished. I moved to Maryland in 1999 ...   A: John, Thank you for writing to me about the debt that you acquired in Missouri in 1997. Let me ... Timeshare 11/14/2006   Q: We did something really stupid over 2 years ago and purchased a timeshare at St Thomas with ...   A: Leona, Thank you for taking time out of your day to write to me about your issue. OK here is what ... UNIFUND CCR Partners & summons 11/14/2006   Q: I was served a summons and have to appear in court this Thursday (11-16-06) for an old credit card ...   A: Patti, We are in the middle of a large Class Action Lawsuit against Unifund for this very reason. ... judgements 11/12/2006   Q: My husband and I have a judegment against us and I have been paying on it for about two years. We ...   A: Carolyn.. First of all, DO NOT FILL OUT THOSE PAPERS. THAT IS JUST A METHOD OF SCARING YOU AND ... Statute of Limitations/ charge off collections 11/12/2006   Q: I live in Washington State. I am trying to determine the point in time when the Statute of ...   A: Good Evening Dan from South Africa! First and foremost, I want to thank you for writing to me! ... Lawsuit in illinois 11/11/2006   Q: i need some help, this is what happen, the wife and i defualted on some credit cards, because we ...   A: Walter, Please excuse the delay in getting back to you so late, however I am writing you from South ... Judgement 11/10/2006   Q: Robert, I hope you can help me. I had a discover card back in 1995 in which i defaulted on. It was ...   A: from South Africa Mario! The net down here is a real mess, so I am writing to you via an extensive ... I have credit card debt in my mothers name 11/9/2006   Q: Mr Paisola, Thank you for taking the time to read my question. To start with Im in NC. This began ...   A: Christy from South Africa, The internet down here is difficult, so I am being patched through our ... Capitol One, Suttell & Associates and NCO Financial 11/9/2006   Q: I have a question regarding a debt I have settled. I had a Capital One card that went from $300 to ...   A: Shannon, Thanks for writing to me. First of all you are dealing with NCO (watch the video from CBS ... served summons 11/8/2006   Q: a summons was served regarding my unpaid capital one credit card account. they served my mother, ...   A: Caren, Thank you for deciding to take the time to write to me. I am going to get right to the ... added fees and interest 11/8/2006   Q: have a few credit card debts that are in collection...i settled a 6000.00 debt for 2500.00 with ...   A: Maria, Thank you for writing to me on your Capital One issue. Capital One is a very difficult ... Legal Charge Off? 11/7/2006   Q: I bought a new car in July 2005, Shortly after I was in an accident and the car was a complete loss. ...   A: Sarah, Here is the deal. You need to go to my site at www.mycollector.com and sign up for the VIP ... Medical Bill Paid 11/6/2006   Q: On August 11, 2006, I took care of a medical bill that was $5,000. The hospital offered me a 30% ...   A: Jennifer, Here is the deal. There is a big mess at the hospital's level and in a lot of ways, this ... Summons for 20 days 11/4/2006   Q: Got a summons from a plaintiff which is the collection agency and asking me to pay $3,000 of ...   A: Emie, I want to thank you for writint to me about your issue. I am currently in South Africa and ... Paying collections 11/3/2006   Q: I have a vendor debt of $35K. I have been told by the collector, If I do not pay, I will have 1 foot ...   A: Davis, Call me now. This is SERIOUS. Robert Paisola 801-619-4700 Robert Paisola Chief Executive ... Garnishment 10/31/2006   Q: I co-signed a loan in 2001 from American General Finance with my ex. When we split, I didn't ...   A: Roberta, Thank you for taking the time to write to me regarding your issue with American General. ... Medical debt 10/30/2006   Q: I live in Iowa. I received a medical bill 09/01 saying I owed $12.40 and estimated insurance payment ...   A: Kellie: Thanks for writing to me about your medical bill situation. Here is what is going to have ... Collection from estate of Credit card debt 10/29/2006   Q: Mr Paisola, Thank you for taking the time to help with my question. friends of our family are in ...   A: Mike, Thanks for taking the time to write to me. Look, I am not paid to be a moral save the wales ... Bankruptcy Dismissal 10/28/2006   Q: Robert, I am in a tricky situation. I filed for chapter 13 in October 1998. I paid $67 a week. ...   A: Jim, You are right, most lawyers will not answer this question because they are REQUIRED to mimic ... Credit Solutions not the Solution 10/27/2006   Q: A few months ago I referred 3 past due (as a result of paying other priorities/death in the family) ...   A: Frankie, There are two issues here. First of all you got screwed by this company and we need to ... "intent to sue" letter 10/27/2006   Q: Wolpoff & Abramson has sent me a letter that says that they have made the decision to initiate ...   A: Vanessa, First of all, thanks for writing to me. I appreciate your patience, as I am writing you ... Boudreau & Associates 10/26/2006   Q: I was doing a cut & paste and lost some of my email, so I am resending it. I had filed a BK13 about ...   A: John, I just sent you a formal reply, please post positive feedback. We will beat these bastards. ... judgement 10/24/2006   Q: My wife is being persued for a judgement on a credit card account, the account was established ...   A: Ron, You do not have to pay your wifes credit card debt that was incurred prior to the marriage. ... Medical Bill Payment 10/24/2006   Q: I have a court day this week for a hospital bill for $2600.00, which I agreed to pay. they wanted ...   A: Christopher, THanks for writing to me on your Court Appearance. In my opinion, the fact that you ... 2 liens 10/23/2006   Q: I have several judgements against me. I have a lien against my house but I have worked out an ...   A: Melissa, Thanks for writing me! The first question is that DID WOLPOFF AND ABRAMSAN SUE YOU? If ... collection agency 10/22/2006   Q: I have setup monthly payments with a lawyer collection agency for a charged off credit card. I ...   A: Tonya, Thanks for taking the time to write me. I am in London England and just got to the hotel! ... Paying debt collector 10/20/2006   Q: Mr. Paisola, Back in July 06, I voluntarily turned in my 02 Escape to Capital One Auto Finance, they ...   A: Linda from London England! Linda, the collection agency is trying to collect what is called a ... Debt collector: Creditors interchange 10/19/2006   Q: Mr. Paisola, Today in the mail I received a letter from the 'Creditors Interchange'. They ...   A: Jeremy, Thanks for taking the time to write to me on the issue of the letter you received from ... Inappropriate credit report access 10/19/2006   Q: Robert - I am in a situation that I could use a little guidance in. My ex-spouse has remarried to ...   A: Lisa from London England! Thanks for writing to me about your issue with the Debt Collector who ... Credit card debt reinstatement 10/18/2006   Q: I contacted a collection agency after they sent me a letter about a $391.00 debt. I could not recall ...   A: Dennis, They can NOT do that. If they do, I would love to see them try. If you have an extra ... Judgement - husband's debt 10/18/2006   Q: Mr. Paisola, I received a call yesterday evening from a collections agency regarding a previous ...   A: Nikki Thanks for writing to me regarding your issue. It appears to me as though they violated the ... Redating claims by collection agency 10/17/2006   Q: In 1998 I was subjected to "slamming and cramming" bills on my phone bill. The local phone company ...   A: David, Thanks for writing. The bottom line is that you are being screwed and what the collection ... collection calls 10/17/2006   Q: I have a pretty common name and I constantly recieve collection calls looking for someone with the ...   A: Good Evening Bob from London, I am glad that you have taken the time to write to me about your ... Ex-Apartment Complex Sending Me Crazy Bills 10/12/2006   Q: Robert, First, I want to thank you and all of the other experts on this site for all you your ...   A: Russ, Thanks for writing to me about your situation with the Columbus Ohio Landlord. Good News, I ... estate debt 10/11/2006   Q: My mother in law (MMR) passed away 1/05. She had been using husbands (JVR) credit cards since his ...   A: Good Evening Vicky, Here is the good news. The money is in trust for the creditor and most ... Sent to collections after disputed invoice 10/10/2006   Q: Thanks Mr. Pasiola. I've documented everything thus far, and I have every confidence that I could ...   A: Mike, Great to talk with you again. I do not see where there is a legal (not giving legal ... Leasecomm Collection 10/10/2006   Q: I live in Florida & have an old account with Leasecomm (Microfinancial) from approx. 1998-2000 for ...   A: Mark, Thank you for taking the time out of your day to write to me! Let me tell you about this ... Judgement Terminology 10/9/2006   Q: I learned the hard way to get everything in writing concerning landlords. When they refused it ...   A: Martin, It sounds like you had a default judgement entered against you and the plaintiff asked for ... Sent to collections after disputed invoice 10/9/2006   Q: Thanks - but your answer doesn't really address my question.I have been contacted by a collection ...   A: Mike, Commercial Firms have robotic policies, that simply move paper through a process of how to ... Sent to collections after disputed invoice 10/8/2006   Q: I have been contacted by a collection agency over a disputed invoice from one of my (former) repair ...   A: Mike: It sounds to me like this is a commercial claim. This goes hand in hand with our business ... Providian Lawsute 10/6/2006   Q: Robert, I read your article regarding the unfair practices of Providian Bank. Providian is ...   A: Aaron: Thanks for taking the time to write to me regarding your issue with Providian. Let me tell ... merchant/consumer lawsuits, etc. 10/6/2006   Q: Thanks for taking a few quick questions. Can a merchant file a lawsuit against a consumer, or refer ...   A: Good evening Mr. Berger: Thanks for writing to me about the chargeback policies and procedured that ... Credit affected by Collection Agency 10/4/2006   Q: Question - I have a situation where my ex girlfriend ran up my Cingular Wireless account to ...   A: Charles, I have been thinking about this question for 2 days, and I think that we need to make a ... Co-signing liability 10/4/2006   Q: I co-signed a rental agreement for my Mom in Feb 2003. The 12-mo. lease was not renewed. The lease ...   A: Again Don! Would you please take a second to leave positive feedback on the allexperts.com site for ... Credit Card Collections Civil Action 10/2/2006   Q: My wife and I have a rental house we are selling. The closing Attorney found two liens against the ...   A: Again Robert! Would you please take a second to leave positive feedback on the allexperts.com site ... Collection Reporting for NSF Collections 9/30/2006   Q: My wife wrote a bad check on an account she opened before we were married. I was later added to that ...   A: Again Martin! Would you please take a second to leave positive feedback on the allexperts.com site ... Statute of Limitation on Credit Card Debt 9/30/2006   Q: Dear Mr. Paisola's Perhaps you can answer a very simple one regarding the statue of limitations on ...   A: Good Morning Steve: This again is one of the stupid things that is happening all over the country ... question about length of time on credit report 9/29/2006   Q: I had an account with Sears and my last payment was July 9 1999. I believe it was turned into ...   A: Chris, First of all, SEARS is one of the worst credit providers when it comes to reporting correct ... want to sell home but have lien 9/28/2006   Q: We were recently informed that a judgement lien was placed against our home for an old credit card ...   A: Kim, That is a perfect solution. I would make sure that you pull a full and complete title report ... Can a significant other be held responsible for a debit owed 9/27/2006   Q: 3 separate colections have been added to my husbands Credit Report. Non of which were his. I have ...   A: Christina, Thank you for writing me about your issue. The bottom line is that you were not ... Double Collection Entry 9/27/2006   Q: My wife wrote a check that bounced and was turned over to collections. Unknown to us at the time, ...   A: Martin, Thank you for taking the time to write to me. The bottom line is that an account can ... false collection. Advice 9/26/2006   Q: I had a self storage unit for couple of months. 7 months after i moved out i got a letter from ...   A: my friend Yemi, I am glad to hear from you again! Did you ever post positive feedback? Ok- lets ... Charge off 9/25/2006   Q: Sorry I guess I didnt make myself more clear. I would be refinancing the car loan and putting it in ...   A: Again my friend... The big change to my answer is based upon the fact that you are refinancing the ... threat of lawsuit by debt collector 9/25/2006   Q: I saw your response to someone online and have a question for you. I live in Texas. I was recently ...   A: Michelle, Thanks for writing to me. The good news is that you live in Texas. Today is Wednesday. ... Charge off 9/24/2006   Q: I had a credit card account that was charged off just a few years ago and now a collection agency ...   A: Good Morning Michelle, Thank you for taking the time to write to me regarding your problem with ... Sutell and Associates 9/24/2006   Q: Robert this is the letter I have typed up and sent to Suttell and Associates. Now I am getting ...   A: Good morning James, Thanks for taking the time to write to me about your case. The first thing we ... Debt collection statute of limitations 9/22/2006   Q: I have a debt that I went delinquent on around January of 2006 and I have a consumer attorney ...   A: Jeff, Would you please provide feedback on the allexperts site! Thanks Rob Jeff, Thanks for ... statute of limitations on debt collection 9/22/2006   Q: I received a call from a collection agency recently attempting to collect a debt from the ...   A: Steven, Today I am writing you from the Country of Mexico, where we are doing a large event. I ... Dentist missed appointment fee with procedure endangerment 9/21/2006   Q: I live in Clarksville, TN. Back in December of last year, I was trying to lump my dental procedures ...   A: Will, Would you please provide feedback on the allexperts site! Thanks : ) Rob ... my boss gave me a check to cash 9/21/2006   Q: One day after work , my boss was running late and it was payday.My boss therefore asked me to cash a ...   A: Eve, Would you please provide feedback on the allexperts site! Thanks : ) Rob ... collections and statue of limitations 9/20/2006   Q: I am trying to buy a house and ran my credit report. Found a collection on it for an old T-mobile ...   A: Dina, Today I am writing you from the Country of Mexico, where we are doing a large event. I just ... Vehicle propoerty tax collection...after 5 years. 9/19/2006   Q: I moved out of Connecticut over 5 years ago. When I moved, I had not received the bill for my ...   A: Ted, Today I am writing you from the Country of Mexico, where we are doing a large event. I just ... Medical bill sent to collections when I was fully coverd 9/19/2006   Q: What I am I doing wrong? I'am pasting a copy of a letter that I sent to all the credit reporting ...   A: Jody, Would you please provide feedback on the allexperts site! Thanks : ) Rob ... Huge debt, 9/18/2006   Q: My ex agreed to pay all the joint cc balances off. He didn't and moved overseas. Now I'm stuck with ...   A: Marylee, Thanks for writing to me about your issue. It looks like you really got screwed by this ... collecting on a debt 9/18/2006   Q: I loaned a friend 25,000, and a promissory note was written. It stated I would be paid 75,000 in ...   A: Callie, Thanks for writing to me. The issue of usury laws is individual with your state and you ... Debt owing in Uk 9/17/2006   Q: I live in Canada but have a debt owing in the UK (1200 pounds). What kind of action can a collection ...   A: Pinda, This is a really strait forward question. For the small amount of money that you owe, there ... attorney's collection letter 9/17/2006   Q: I had a credit account with Chase bank that went delinquent in October 2004. It was sold to ...   A: Good Morning Ashley, from Southern Mexico! Thank you for writing to me on this phantom legal case ... Garnishment of wages 9/16/2006   Q: A Kansas creditor was paid garnished wages from my Texas payroll. The creditor realized that I was ...   A: Lynn, Thanks for writing me and thank god you live in Texas. Do this and you will be ok. Send a ... Lien 9/16/2006   Q: my grandmother who is in her 90's just received a summons from a collection agency stating that she ...   A: Good Morning Kristi from Southern Mexico! First of all I want to thank you for taking the time to ... A debt that has never shown up on my credit report 9/15/2006   Q: If I were to pay a debt that has never shown up on my credit report, would it affect my credit in ...   A: Vicki, Thanks for taking the time to write to me rearding the missing account from your credit ... credit default penalties 9/15/2006   Q: After filing bankruptcy 5 years ago,my friend has once again charged up cards to where she can't pay ...   A: Hey Jeff, This is one of the biggest problems that we see as collectors. People essentially get a ... Liens against property 9/14/2006   Q: Robert: We took my wife's name off our house mortgage several years ago because of credit card debt ...   A: Mike, Would you please provide feedback on the allexperts site! Thanks : ) Rob ... collection agency files a lawsuit 9/14/2006   Q: i live in the state of tex. a collection agency sent me a letter by a courier service from the ...   A: my friend: This is a very difficult situation for me to review without the full documents. You ... being sued by law firm for unifund/ccr 9/13/2006   Q: after being served a summoms that i was being sued by a law firm in tuscon arizona for unifund for a ...   A: Karen, Here is the deal. You have been sued by a very bad company that has routinely failed to obey ... old debt 9/13/2006   Q: I have old debt that is on my credit report. Most of it is listed as charge offs and no contact with ...   A: Good Evening Todd: Thanks for writing to me on your matter. In a situation like this you basically ... Collection of Medical bills upon the death of parent 9/12/2006   Q: Dear Sir, My mother passed away in May of this year and I am the only surviving child. She was ...   A: Good Evening Mike: Thank you very much for taking the time to write to me about the estate of your ... Nationwide Credit Inc. 9/12/2006   Q: Robert, I recieved a call today from Nationwide Credit inc. They said that they are working directly ...   A: Carrie Thanks for writing regarding the call you received today from Nationwide Credit. First of ... Collection of debt statute of limitations has expired 9/11/2006   Q: "I am in desperate need of some help. On or about July 14, 2006 I came across a "order for ...   A: Jeni, You are a very smart student! I am glad that you realize the importance of not making a ... Recv'd Summons...Can I Pay to Avoid Judgement 9/9/2006   Q: I am in AZ. I received a summons today for a 10+ year old credit card debt. Unfortunately I didn't ...   A: Julie, Thank you for taking the time to write to me about your 10 year old debt. The crazy part ... collection overpayment 9/8/2006   Q: I had a Household Bank Credit card (GM)that was placed with a collection agency in 2003. The ...   A: Wayne, Thank you for taking the time to write to me about your situation. It appears that you are ... Tax Evasive Parent 9/5/2006   Q: My mother's husband, back in the 1970's decided that as a contractor he did not want to pay federal ...   A: Good morning Syleca, What a great question! I am glad that you took the time to write to me. ... old Sears Charge 9/4/2006   Q: I had a Sears Charge Card from the early 80's that I was unable to pay off. I got a letter in the ...   A: Good Morning Linda, Thanks for taking the time to write to me about your issue. It looks as ... credit card breach of contract/ third party sueing 9/3/2006   Q: I am being sued by a company who claim to have purchased my account from the original credit card ...   A: Yvonne, UNIFUND? Did you say UNIFUND? Well today is your lucky day, because UNIFUND has screwed so ... Foreclosure by Publication 9/3/2006   Q: I work for a private RV resort. We sell ownerships via Warranty Deed that allows them to stay 14 ...   A: Good Evening Christine, This issue is one that can become very complicated, as you are dealing with ... Creditors with wrong number 9/2/2006   Q: I keep getting bill collecting calls to my phone number for someone else -- they are not using my ...   A: Susannah, First of all I want to thank you for taking the time to write to me and please understand ... Deceased Father's credit card debt 9/1/2006   Q: I am in New York State. My Dad passed away in May. I am the executrix of his estate which is quite ...   A: Donna- This is a really quick and easy question to deal with. You need to focus on the accounts ... Credit Card Debt/Death of Spouse 9/1/2006   Q: My father-in-law developed some significant unsecured credit card debt. He recently passed away ...   A: Keith- This is a really quick and easy question to deal with. You need to focus on the accounts ... TimeShare Repo 8/28/2006   Q: We own a timeshare we bought a year ago... long story short we can afford to continue to pay on it, ...   A: Daren, This is a difficult question for me because one of the things that I do to generate revenue ... 10 year old hospital debt 8/27/2006   Q: Ten years ago when our daughter was just 18 and a senior in high school she had her gallbladder out. ...   A: Valerie, Here is a quick answer. ABSOLUTELY NOT! Do not pay them a dime. The debt is out of ... American Express in Collections 8/26/2006   Q: Robert! I've never been in "collections" before. In the course of educating myself via internet, I ...   A: Good Evening Kristi, I want to first of all thank you for the compliment. That makes all of the ... Sued while making $200/mo payments 8/25/2006   Q: Mr. Paisola, Thank you for your prompt answer!! I have a quick follow-up question for you. You ...   A: Again My Friend, I need to be careful how I word this reply, as there are thousands of people ... credit debt 8/25/2006   Q: i recently entered into a debt settlement plan w/ homeland financial which have done absolutely ...   A: Good Morning Tina, It is great to hear from you. I hear this complaint over and over again about ... credit card judgement 8/24/2006   Q: i recently rec'd a judgement against me w/ a debt for 5000.00+ they took money out of my checking ...   A: Tina, This probably means that there is a garnishment on your bank account. Just because they have ... Should I file for chapter 7? 8/23/2006   Q: Robert, I have both personal and business credit card debt. I don't have the money to pay them off ...   A: Alex, This is an area that I am a specialist in. and I will tell you that UNLESS YOU HAVE SECURED ... Credit Collections 8/21/2006   Q: Mr Paisola, Thank you for your help. I ruined my credit when in college, and settled or paid all but ...   A: Jason, Thanks for writing me on this topic. You are soooo close to the expiration period on these ... Served a summons by Creditone, LLC 8/18/2006   Q: On August 17, 2006 I was served a civil summons stating that a civil action has been commenced ...   A: Chada, This seems to be a repeating pattern for Credit One. I am going to investigate this and ... emergency room fee 8/6/2006   Q: I am a tourist in Los Angeles. I went to the emergency room twice. For the first time that I was ...   A: Good Morning Rhyme from Las Vegas Nevada! I appreciate the time that you have taken to write to me ... payday loan collection 8/5/2006   Q: Mr. Pasiola. I am a legal secretary who should know beter, but by no choice of my own, I defaulted ...   A: Good morning Lisa from Las Vegas! First of all, the online payday loan business is not one of the ... CREDITONE,L.L.C. 8/4/2006   Q: Thank you for responding. The home in question was sold by SunTrust Mortgage, while held the first ...   A: JoAnn, Thanks for writing me again. Today I am in Las Vegas Nevada at the Bellagio Hotel and ... Medical Bill collection 8/3/2006   Q: I have received a call today from a collection agency stating that I owe a medical bill from Sept ...   A: Evette! Thank you for taking the time to write to me. I apologize for the delay, but I have been ... Third Parties 8/2/2006   Q: I had a car repoed in 1999 in 2004 I started to work on fixing my credit so I contacted the original ...   A: Michelle. Thank you for taking the time to write to me. I apologize for the delay, but I have been ... CREDITONE,L.L.C. 7/31/2006   Q: I had a previous account with American General(2nd Mortgage), which was opened in 1994. I had to ...   A: Good Evening Jo Ann, Thank you for taking the time to write to me. I apologize for the delay, but I ... Phone conversation with collectors 7/30/2006   Q: NCO financial is taking me to court for a 4 year old MBNA credit card debt, that was $100 at the ...   A: Gloria, Thank you for taking the time to write to me. I apologize for the delay, but I have been ... Payday loan collection 7/28/2006   Q: Robert, After searching the internet for help, I come to you for advice. I currently have a ...   A: Eric, Thank you for taking the time to write to me. I apologize for the delay, but I have been ... Payday Loan 7/25/2006   Q: I got myself in a mess with payday loans. I have been told if i don't pay them back i will be put in ...   A: CM Thanks for writing. This issue of going to jail over a non paid payday loan is bullshit. You ... Credit Agency Refuses Full Payment 7/25/2006   Q: I am a Colorado resident. Upon review of my credit report, I discovered that a company that I had ...   A: Dear Gilbert, This is one situation that I want to personally be involved with. Lets call Mr. King ... Judgement 7/19/2006   Q: I need an answer ASAP....tomorrow I close on a refinance deal on my home - however, the refinance is ...   A: Kia! You may be the fastest person to receive a reply ever! I am sitting in a hotel room in Paris, ... Deceased Aunt 7/18/2006   Q: I recently had an aunt pass away. At the time of her death she owned no property, titled vehicles, ...   A: Brandy! Thank you for taking time to write to me. First of all, let me say that in the 15 years ... BANKRUPTCY DISMISSAL 7/17/2006   Q: our mother filed chapter 13 and was granted such. She has fallen behind 6 payments totaling ...   A: Warren and Monique, Thanks for taking the time to write to me! Let me be clear on this issue. The ... Medical Bills Collections... 7/17/2006   Q: My mother has been receiving collections notices from a firm attempting to collect on medical bills ...   A: Stan! I am glad that you have decided to write to me today on your mothers issue. To be completely ... Collecting an Eviction Debt 7/13/2006   Q: An old roommate and I were evicted last year due to non-payment of rent. Although my rent was ...   A: Cory, Thank you for taking the time to write to me on your eviction issue. If I were you, what I ... medical bills in collections 7/12/2006   Q: i have a few medical bills in collections, and they are keeping me from being able to rent an ...   A: Misty, The collection of medical debt against someone is one of the most difficult things that a ... CREDIT CARD/CAPITAL ONE 7/11/2006   Q: About 2 1/2 years ago I was sent to collections by Capital One. There attorneys were Suttel & ...   A: Sheryl, Thank you for writing to me on this matter. First of all, to a collection company, you are ... Collections law 7/9/2006   Q: I have been reading up on Mr. Kim's case involving Unifund since now we have become the VICTIMs as ...   A: Paula, This is a very big issue. I want to talk to you personally and I am going to interview you ... Arbitration on a credit card debt. 7/2/2006   Q: live in Texas,Married with a Mortgage. I'm unemployed at the moment & so is my husband(last ...   A: MELENA- Can you please leave positive feedback on the www.allexperts.com site for me? : ) Rob Hello ... re-aging- PROVIDIAN- PROTFOLIO RECOVERY 7/2/2006   Q: i received a letter from PORTFOLIO RECOVERY ASSOCIATES, stating i owe 1272.53 for PROVIDIAN BANK. ...   A: John, This is a real serious issue that we deal with daily on our site at www.MyCollector.com I ... Debt responsibility when a death occurs 7/1/2006   Q: My wife, kids, and I have recently moved back into the house that I grew up in. My mother is ...   A: Matt, Thanks for taking time out of your day to write to me about your dads home. The first ... collections 6/30/2006   Q: how long do collections stay on your credit ...   A: Jini, I get this question a lot, so I am going to provide you with some very detailed information. ... Collections 6/28/2006   Q: I am being asked to call delinquent tenants and state that I am a collector attempting to collect a ...   A: Johnny. Thank you for writing to me on this most serious matter. It sounds like your employer is ... Law firm collecting 6/27/2006   Q: Good evening: My husband has a small cc debt of $495. This account was written off in June/2002. At ...   A: Shirley, Thanks for writing me on this topic. There is only one person who has the answer to ... Mitigating damages 6/19/2006   Q: If a tenant breaks a commercial lease agreement, does the Landlord have to mitigate damages? What ...   A: Craig, This is a complex issue, and I will try to be as clear as possible. 3 of the tennants of ... Paying a Settlement 6/17/2006   Q: An AZ collection agency, using a collection atty in CA, got a default judgment against mom. Mom ...   A: DIANN, Hello today from the Country of India, I am here doing a collections training and the time ... Charge off bought by collection agency 6/16/2006   Q: Robert. Maybe you know the answer to this. I had an account with JC Penny. I owed them about ...   A: Mary, I would love to be involved in that discussion with the collection agency. Goto my site at ... Agency posting to credit agency with different date 6/14/2006   Q: My wife and I are in the process of purchasing a home, when the financer ran our credit report it ...   A: Linwood, This is easy. I want you to go to my site at www.MyCollector.com and watch the CBS NEWS ... chapter 13 bankruptcy dismissal 6/14/2006   Q: my dad had to do this because his payments were to high therfore his wife passed away last year he ...   A: Lisa, Great to hear from you. If your dad is on SSI and he stopped making payments to the trustee ... Financing dispute. 6/14/2006   Q: I had a dispute about the amount owed on a vehicle loan. Instead of owing three remaining payments, ...   A: Good Morning Dennis from the Country of India! I will be here all week doing a seminar for ... Clearing my credit report 6/9/2006   Q: I have an item on my credit report from April 2002 which has been written off as a bad debt and sent ...   A: Good Morning Paul, Thank you for taking the time to write to me regarding your situaton with your ... Paying off a Judgement in NY 6/8/2006   Q: Good day, Thank you for your time, but I have never asked this question, and I read almost ...   A: Jade, Please accept my apology, as I receive thousands of emails and obviously yours goy classifies ... restricive settlement 6/7/2006   Q: i was late in my car payment for over 6 mo..due to lost of my business.. i have send them what i ...   A: God Evening David, This is a matter that is very deep and detailed. I have dealt with Americredit ... wrong address issues 6/6/2006   Q: How do you get a "closed account" off of your credit report once it has been sent to collections? ...   A: Chelsea, Thank you for taking the time to write me a detaled concise explination of your issue. As ... credit card collection 6/5/2006   Q: I have a judgement against myself for credit cards that last were used and or became delinquent were ...   A: Brooke, Thanks for writing me. I have had a long day of media interviews and I am really sick and ... Collection of medical bill 6/2/2006   Q: I have a medical bill from August 2005 state of TN. The collection company said they have sent ...   A: Good Evening Kathy, Rule Number One---- NEVER EVER EVER EVER give a Debt Collector your checking or ... Being Sued by Collector 6/1/2006   Q: I received a summons last week at work (I was on vacation at the time and my boss accepted it)and I ...   A: Melanie, Thank you for taking the time to write me. The first thing that comes to mind is the ... Garnishment from Attorney 5/30/2006   Q: Robert I have approximately 12K in credit card debt of which most has been charged off. The debt ...   A: Angela, Your question is very timely as we have just posted a CBC News Story that was done on one ... Disputed Invoice 5/30/2006   Q: Our small business is disputing a contractors work. Unfortunately, nothing was in writing and all ...   A: Michelle from Houston Texas! Ok, now you are talking about a game that I understand VERY WELL! ... medical bills on my collections report 5/29/2006   Q: I am 26 years old and I have never had a credit card, I have had two small signature loans one for ...   A: Good Evening Donna, Tonight I am in Houston, Texas and am in the middle of a four day seminar on ... sol 5/29/2006   Q: i had a credit card written off in 2001 while i was living in N.C.where the sol is 3 years.i moved ...   A: Mike, Thanks for writing to me about your issue. Your letter is somewhat encrypted for people ... can a third party collector file suit 5/28/2006   Q: i was informed by the county that i live in that a third party failed suit ,an a default judgment ...   A: Good Morning John From Park City Utah! Can you believe it is snowing here! I am glad that you have ... Judgment from Child Suport 5/26/2006   Q: Recently my ex-wife gave up her rights to our children in effort to avoid child support. I have a ...   A: Kevin, Thank you for taking the time to write to me this afternoon. I am glad that you decided to ... Creditor threatened to sue 5/25/2006   Q: A credit card company finally sent me validation of debt, two years after I requested it. If they ...   A: Pete, Thanks for taking the time to write to me. I am glad that SOMEONE out there is getting the ... Credit collector served me a summons 5/25/2006   Q: On December of 2002 I originally received a notice, from Worldwide Asset Purchasing, that I owed ...   A: Phil, I think that I talked to you before. We need to talk. You are getting screwed and screwed ... Changed address..did not get collection agency letter.. 5/24/2006   Q: I have a toyota financed last year and have been late on payments for quite a while now. I am ...   A: Robert, Thanks for writing me. What I want you to do is to send me a private email telling me ... Transfer on Death Deed and Credit Card Debt 5/23/2006   Q: Mr. Paisola. My mother-in-law lives in Ohio and shares her home with her two unmarried sons (who ...   A: Good Afternoon Marty, Thank yu for writing to me regarding your case on your mother in law's home. ... old cell phone bill 5/23/2006   Q: Robert, Thanks so much for your prompt answer. I feel a lot better just knowing that someone is in ...   A: Rhonda... DID YOU SAY ALLIED INTERSTATE? AS IN THE ALLIED THAT IS AFFILIATED WITH INTELLIRISK IN ... old cell phone bill 5/19/2006   Q: Robert, Back in late 2002, I went on a trip to South Carolina. (I live in Missouri.) Before I ...   A: Good Evening Rhonda, Thank you for taking the time to write to me about the situation wih ATT ... Having to pay the total payment of a credit card balance 5/18/2006   Q: I fell behind on my payments to American Express card. The account was given to NCO financial ...   A: Good Afternoon Esmeralda, First of all, I want to take a moment to thank you for taking the time to ... NCO filed a lawsuit against me 5/18/2006   Q: NCO,assignee of Sherman c/o Jorge M Pereira, Esquire,filed a lawsuit at my District Court for a ...   A: Jorene, Now my blood is boiling! I have dealt with NCO Group over and over and I am getting tired ... I need to clear up my credit report 5/17/2006   Q: I have lived outside the US for five years and in another year I plan to move back. So of course, I ...   A: Tomeak, Thank you for taking the time to write to me. On the day that you wrote your question, I ... collections 5/16/2006   Q: Robert, I had a free checking acct and stopped using it. After not using it for a period of time, ...   A: Phobe, Thanks for taking the time to write to me regarding the issue on the overdraft collection at ... My wife died recently and... 5/15/2006   Q: My wife died recently and among other things she left behind is a credit card account in her name ...   A: Good Evening Arturo, Thank you for taking the time to write to me about your issue. A credit card ... old accounts bought by collection agencies 5/14/2006   Q: Apparently two collection agencies have recently purchased loans that reached their SOL. They were ...   A: Vickie! Thank you for writing me today. You my friend may have hit the jackpot. First of all, A ... Collections 5/13/2006   Q: Can a credit card company or third party that has bought the debt take personal property or put a ...   A: Aloha Anita, Tonight I am writing you from the Islands of Hawaii where I just finished an event. ... collection agency not attempting to collect 5/12/2006   Q: A collection company has on my credit report that I owe them, but yet the account is 'closed'. I ...   A: Rhonda, First of all, thank you for writing to me. I am getting ready to do a training in Honolulu ... dealing with Lawyer for collection agency. 5/12/2006   Q: Robert, I am going to court on monday may 15. I filed a memo to opposition within the 72 hrs ...   A: Kevin, Thanks for writing me again. Ok, lets look at this issue clearly. As a consumer you ... Hi - I live in Iowa. I had... 5/11/2006   Q: - I live in Iowa. I had an account turned over to a collection agency. I have paid over $310.00 ...   A: Good Morning Claudia, Let me first tell you thanks for writing to me. Your situation is a ... Ohio Statue of Limitation - Credit Card Debt Collection 5/10/2006   Q: What is the time limit for a collection company to bring suit in municipal court for a credit card ...   A: Charles, Thanks for posting your question on this forum. It looks to me like you are dealing with ... Suit for Medical Bills 5/10/2006   Q: Sir: I live in Arkansas and received a summons that the collection agency has filed suit for ...   A: TAMARA, THIS WILL BE FUN. I want you to fax me all of the documents to 408-889-2415. What this ... Debt Collection after bankruptcy DISMISSAL 5/9/2006   Q: Robert. First of all I must say this site and its links have been quite helpful. However I do have ...   A: Good Morning Brian, Thanks for taking the time to write to me about your past bankruptcy. I have ... Time 5/9/2006   Q: What are the times a bill collector can call in Texas. ...   A: Good Morning Annette, Thank you for writing to me! This is a simple question, but I have taken the ... Credit report removal 5/8/2006   Q: How in the world do I get the three major reporting places ....Experion, Transunion, and Equifax to ...   A: Good Morning Lisa, Thank you for taking the time to write to me to discuss your credit bureau ... charge-off 5/7/2006   Q: When I moved in 2002, I xfr'd my TXU electric acct. to my new address(stayed with same util co.). On ...   A: Good Morning Chris, The key phrase in your story is that they have admitted that they were going ... arbitration award 5/6/2006   Q: In 2002 my MBNA credit card was over the limit and I couldn't afford to pay the payments. They ...   A: Good morning Sharon, This is a complex question to reply to without seeing all of the data. But ... liability of ex spouse 5/6/2006   Q: I was divorced in Aug. 2002. When I was divorced my wife was deemed responsible for the credit card ...   A: Frank, Thanks so much for choosing to write to me. Dealing with spousal responsibilities PRIOR to ... Attorney? 5/5/2006   Q: Robert - Are you an ...   A: Michael, Thanks for taking the time to write to me. Your question is one of my favorite questions ... Wont accept payment terms 5/4/2006   Q: Thank you for taking time to look at this. I really appreciate how you’ve helped so many people ...   A: Good Morning Alex, It looks to me as if you are getting screwed and screwed hard on this one. The ... International debt collection 5/4/2006   Q: I have been dealing with a company in Munich Germany that I did business with online. They charged ...   A: Good Morning Gordon: It is a pleasure to talk with you and I have heard of issues similar to yours ... Department store 5/3/2006   Q: I live in Connecticut. I had a Filene's credit card and charged a mattress set in 1995 or 1996 ...   A: Nicole, Good News! The statute of limitations has run on this case. The event happened in 1996 ... Advice on collection resolution 5/3/2006   Q: Mr. Paisola, I was a member of a Credit Union in Washington state and moved to Arizona to transfer ...   A: Helo Robert, Your issue is very common. The answer to this question depands on if the credit union ... Collection agency suing 5/3/2006   Q: I currently reside in California and recently I have received a copy of documents that I am being ...   A: Good Morning Michael, Let me tell you that if you truly have one of the pseudo lawsuit demand ... collection law in NY State 5/2/2006   Q: 6 months ago i received a call from a collector saying we owed 10,000 on that day i made ...   A: Tracie, What you have done by paying the 500.00 on this account is create a profile of a person who ... credit card judgement 5/1/2006   Q: I owed 15,000 on a citibank credit card, debt occured after husband left and filed for divorce in ...   A: Toni, Ok, I deal with the portfolio management department at Citibank all the time, and with a pay ... dealing with Lawyer for collection agency. 4/29/2006   Q: I am stress about this issue on a Citibank (citicorp) visa I had in 1/96 (exp 1/98)that this ...   A: Kevin, This is a very serious matter,as you are in the middle of litigation on an issue that the ... medical law suit 4/29/2006   Q: I have just been served with a suit from a collection agency here in georgia. The bill was suppose ...   A: Good Evening Emma, What I hear you saying is that the collection agency in Georgia is attempting to ... Cell phone contract 4/27/2006   Q: Sir, Recently I was reading about credit disputes on the About.com website. You seem pretty ...   A: Brandon, I want to take a moment to thank you for taking the time to write to me today about your ... Credit Collector (avoiding a judgement) 4/26/2006   Q: I have been recently trying to clean up my credit. So far I must say that I have been successful. ...   A: Good Evening Mr. Skinner: Ok, here is the bottom line on this matter. You have gone above and ... OSI Collections/Payco 4/24/2006   Q: Mr. Paisola, My name is Heather Johnson and I have an issue that is just plain infuriating to me. ...   A: Heather, Let me tell you that dealing with Payco and/or OSI can and usually is a pain in the ***. ... credit card collection 4/21/2006   Q: I was wondering if you can tell me the statute of limitation on debt collections for credit cards in ...   A: Beth, Sorry for the delay in getting back to you, but I am in a hotel right now, just finshing a ... business credit debt/personal responsibility 4/20/2006   Q: I owned a business that had two American Express accounts. My incorporated business went out of ...   A: Good Evening Judy, Dealing with American Express is a very complex process. I have been dealing ... Does the statue of limitations DLA reset on repossession? 4/18/2006   Q: Does the statue of limitation's Date of Last Activity reset on repossession? Ex-wife's car with ...   A: Tracy, Thanks for taking the time to write to me on this very important issue. For the rest of ... What is the amount of time a company has to bill you for service rendered? 4/13/2006   Q: I work for a company that has had some very delayed billing in the past. We are currently trying to ...   A: Gina, Thank you for taking the time to write to me on your issue. I have been dealing with doctors, ... VISITATION AT WORK 4/13/2006   Q: I HAVE A LOAN WITH A TITLE PAWN COMPANY IN GEORGIA, AND FELL LIKE 3 DAYS BEHIND ON MY LOAN. THEY ...   A: Michelle, This is a followup that I thought you would enjoy! Visit my site and this little video ... CitiCorp 4/13/2006   Q: I have an account with CitiCorp. My account is 180 behind due to serious finance problems. ...   A: Veronica, Thank you for deciding to write to me on this issue. This question can be answered in ... SOL Jurisdiction on collections 4/12/2006   Q: Which state's SOL applies when a loan agreement was entered into in Georgia (at the financial ...   A: Cathy, Thanks for writing me. I have read your request and am having a difficult time ... debt collector 4/8/2006   Q: I work for a union and I am being sued for a credit card bill from 7 years ago. I have tried ...   A: Jeff, Thanks for taking the time to write to me regarding your situation. I am going to get right ... I have been scammed 3/31/2006   Q: I immigrated to the US 4 years ago from South Africa. At the beginning of February 2006 we paid a ...   A: Debi, Thanks for taking the time to write to me about your experience with the contractor from ... Creditone L.L.C. 3/29/2006   Q: Your answer was fantastic, however, you did not address the fact that they are coming after my wife, ...   A: Andy, I have just reviewed my initial reply and you are right that the message that I was trying to ... American General Finance ,... 3/28/2006   Q: American General Finance , financed a purchase of furniture seven years ago. The amount financed ...   A: Andy, It was my pleasure to speak to you this afternoon while I was preparing for my upcoming ... SOL in PA on collecting Debts 3/26/2006   Q: Mr Paisola I have a question that maybe you could help me with. My 68yr old mother had a ...   A: Good Evening Jim, Thanks for taking the time to write to me to discuss your grandmothers issue. ... credit dispute/scam 3/16/2006   Q: Mr. Paisola, Here is my predicament: 5 months ago, my husband and I spent our honeymoon in Maui. ...   A: Jacqueline! Thanks for making the decision to write to me regarding your issue in Hawaii. I have ... Liens 3/10/2006   Q: My father died without a will and left house to my mother, my brothers & me. Mother didn't pay ...   A: Jennifer, First of all, thanks for taking the time to write to me. I am in Cancun Mexico doing a ... Charge off bad debt 3/9/2006   Q: I am not sure you can help me. I had an agreement with Providian/Washington Mutual. They accepted ...   A: Claudia, I am so glad that you have decided to write to me about your ordeal with Providian and ... Collection from small business 3/7/2006   Q: There, my husband and I run a small business and we are having issues with one of our companies not ...   A: Kietra, Thank you for taking the time to write to me today regarding your situation. One thing ... credit card debt two questions 3/4/2006   Q: 1- my husband and I are being sued for items that are only on my credit report, individual accounts, ...   A: Good morning Patrice, It is great to hear from you and I will be brief as your issue has arisen ... statute of limitations on cable collections 2/27/2006   Q: I live in California and we just received a collections letter from "afni" stating that we owe $156 ...   A: Sandi, I want to start off by saying that I am delighted to hear from you. I am not shocked at ... Credit Card Debt/Collections 12/7/2005   Q: Out of the blue this past weekend, I received a letter from a law office that purchased my "bad ...   A: Claudine: I am going to pass on the formalities with this post, but thanks for posting. THE ... credit collections 12/6/2005   Q: Is there a minimum dollar amount that cannot be reported to a credit bureau? In the past I thought ...   A: Sherwood, Thanks for taking the time to write to me regarding the balance threshold that the credit ... Collections of debt 3 years old 12/5/2005   Q: Mr. Paisola, I have a credit card debt that is at least three years old. I have not been able to ...   A: Lowell, Thanks for writing. It seems that a court has issued a judgment against you, because the ... collection liability as a authorized user of card 12/5/2005   Q: I WAS AN AUTHORIZED USER ON A CREDIT CARD, WHICH HAS BEEN DEFAULTED ON . I NEVER USED THE ...   A: Mitchell, Thanks for taking the time to write to me. I am doing a seminar in Orlando Florida today ... How you got into the real estate business. 12/1/2005   Q: Robert, first and again I want to thank you for you quick response! I will take immediate action so ...   A: Amy, Thanks for writing me again, let me tell you that I ended up in the real estate business ... Please help me collect debt 11/29/2005   Q: I'm glad I came across this site. I really hope you are able to give us some insight on collecting ...   A: Liz Thank you for writing to me on this sticky situation that you seem to have walked into. The ... credit card debt 11/28/2005   Q: Dear Sir, I have an outstanding balance that sum over $10.000 to 4 credit card companies. ...   A: Ayse: Thanks so much for taking the time to write to me regarding your situation. Your question is ... collections 11/11/2005   Q: I, am wondering if you could provide me information, as to wheather or not Disability and Pension ...   A: John, Thanks for taking the time to write to me. Your issue is a specific issue that needs to be ... Statue of Limitations or other recourse 11/9/2005   Q: We recently received a letter(I am thinking from an zombie collection agency) about an alleged $300 ...   A: Thanks for taking the time to write to me about your situation. Your issue is very simple. The ... Legal Means to get my money back 10/29/2005   Q: Mr. Paisola, I live in Georgia and my last job was working as an IT independent consultant through ...   A: Tony, Being an independ consultant is a often times a great deal. You get to set your own ... Charge Off Dispute unsuccessful 10/25/2005   Q: Thank you so much for your very quick response and the valuable information, Robert! I so appreciate ...   A: Jennifer, It is great to hear from you again. Let me answer your questions in the order that you ... Charge Off Dispute unsuccessful 10/25/2005   Q: Robert - I had a Smart Buy vehicle through GMAC which the contract ended in 10/2001. In mid Sept ...   A: Jennifer, First of all, I want to thank you for taking the time to write. I am happy to assist you ... Warrant served by Sheriff for debt 10/23/2005   Q: Ther Sheriff just served me with a warrant for arrest for "Breech of Contract" because of credit ...   A: Carol, I am glad that you took the time to write to me about your situation regarding the Sheriff ... CreditOne LLC 10/12/2005   Q: I took out a loan with American General Finance more than 12 years ago. I paid on the loan for ...   A: Shasta, First of all, I want to thank you for writing. I am glad to assist you in your time of ... Collections 10/1/2005   Q: My husband passed away in 1992 leaving me with lots of bills & no money..I am 70 & on soc security ...   A: Maryln, First of all, I want to thank you for taking the time to write. I am happy to assist you ... Bankruptcy Issue 9/30/2005   Q: Rob, Do you think that this is a good thing to do? Jason ...   A: Jason, Thanks for taking the time to write to me on the very sensitive subject of "Should I file ... judge 9/30/2005   Q: Mr. Paisola! i have a quick question of you. i filed bankruptcy chap. 13 about 4 months ago. they ...   A: James, First of all, I want to thank you for taking the time to write. I am happy to assist you ... Debt taken to lawyers 9/28/2005   Q: I owe $2500 in credit card payments I have been unable to make because of a recent long period of ...   A: Peter, You are correct in your assumption that as long as you are making SOME SORT of payment, that ... home equity loan 9/28/2005   Q: could you please tell me the pros and cons of a home equity loan? i had to file bankruptcy, ...   A: James, Thanks for taking the time to write. Our position is that Home Equity loans are a great ... Debt taken to lawyers 9/25/2005   Q: I owe $2500 in credit card payments I have been unable to make because of a recent long period of ...   A: Peter, First of all, thank you for taking the time to write to me. I am glad that you are looking ...

  
  

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