Ask a Collections and Debt Lawyer

How do I respond to an initial debt collector demand letter when I do not have the money they say I owe and I am not sure I even owe it?

A subscription service a year ago said I verbally authorized magazine subscriptions on the phone. They had a “recording” they said was my voice. I…

How can I get money back that I lent to my then boyfriend?

When I broke up with him in 3 months ago we sat down and figured out how he would pay me back ($3,000). His sister…

Can my wages still be garnished 11 years after a judgment for a debt collection?

After garnishment judgment there was no contact at all from collector until a few weeks ago requesting garnishment from my employer.

Can a bank legally freezean account without notifying either of the account holders?

A bank account with 2 names on it. One name is attached to a defaulted mortgage.

If you were overpaid on an insurance payout and spent the money, what are your legal obligations?

We experienced a house fire. The house was deemed a total loss and the insurance company. It had to pay us out full coverage for the…

What to do about debt collection harassment?

I have collector calling my cell about 5 times in a 10 minute period. They seemed to have found where I work and call there…

How long can the IRS collect on past taxes?

Can both spouses be garnished at the same time for the same debt?

What to do if your process sever failed to serve the summons in a small claims case?

I work for Heating and A/Ccompany and I recently was put in charge of filing some small claims cases against a few different people who…

Can a company transfer a purchase from someoneselse’s credit card to yours without contacting you?

I met a man who wanted to build a cabin to sell. We where to split the costs and profit 50/50. During the process of…