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Pennsylvania Debtor And Creditor Legal Questions

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36 legal questions have been posted about debtor and creditor by real users in Pennsylvania. Ask your question and dive into the knowledge of attorneys who handle your issue regularly. Similar topics to explore also include collections, and creditors rights. All topics and other states can be accessed in the dropdowns below.
Pennsylvania Debtor And Creditor Questions & Legal Answers - Page 2
Do you have any Pennsylvania Debtor And Creditor questions page 2 and need some legal advice or guidance? Ask a Lawyer to get an answer or read through our 36 previously answered Pennsylvania Debtor And Creditor questions.
Debtor and Creditor
Pennsylvania

Recent Legal Answers

Can this charge off be removed?

Answered 12 years and 11 months ago by Matthew R. Nahrgang (Unclaimed Profile)   |   1 Answer
  According to Experian, the debt should be removed.  See this link and follow Experian instructions. http://www.experian.com/ask-experian/20100219-debts-older-than-seven-years-should-not-return-to-your-credit-report.html
  According to Experian, the debt should be removed.  See this link and follow Experian... Read More

can a creditors lawyer take money from your banking accounts without any warning

Answered 12 years and 11 months ago by Matthew R. Nahrgang (Unclaimed Profile)   |   1 Answer
Bank accounts are at risk from consent, that bank, or judgment.  So, if you ever agreed that creditor could take money from your account, that consent has to be revoked by you.  You can do that at any time.  If the money owed is to the bank where the account is, they can take the money because they already have it.  If the creditor has a judgment, it can be executed on by seizing your account. You should consider protecting your assets through a bankruptcy. ... Read More
Bank accounts are at risk from consent, that bank, or judgment.  So, if you ever agreed that creditor could take money from your account, that... Read More

I lent my girlfriend money which she agreed orall to pay back.Now after bills were paid she doesn't want to.

Answered 12 years and 11 months ago by Matthew R. Nahrgang (Unclaimed Profile)   |   1 Answer
If you believe you are owed money, you can sue.  The best palce to do that is the magisterial district justice known as D.J. or small claims court.  You don't need a lawyer for that, but there will be small court fees.
If you believe you are owed money, you can sue.  The best palce to do that is the magisterial district justice known as D.J. or small claims... Read More

Received a civil action letter on behalf of Discover...where do I begin? Debt counselor, find an attorney, or contact their attorney?

Answered 13 years and a month ago by Matthew R. Nahrgang (Unclaimed Profile)   |   1 Answer
When you are sued, you should call a lawyer immediately.  You need to protect your rights which could include filing a defense.  Also, many times clients refer to an original creditor, but it's actually a debt buyer.  I don't believe that Discover sells its debt, so it is probably actually them.  But the answer is the same. One option may be a chapter 7 bankruptcy which all depends on your circumstances.  If you pass the means test and have little or no disposable income, you will likely be able to eliminate much, if not all of your unseucred debt.... Read More
When you are sued, you should call a lawyer immediately.  You need to protect your rights which could include filing a defense.  Also, many... Read More

Question is about an auto loan default and what I can do about it?

Answered 13 years and a month ago by Matthew R. Nahrgang (Unclaimed Profile)   |   1 Answer
Car loan creditors can repossess upon default.  For arguably good reasons, car lenders have an easier route for collection than every other creditor.  The collateral is always depreciating and could be lost in an accident or stolen at any time.  So, they are allowed to simply take the car upon default and that can happen at any time. One potentially permanent option is a Chapter 13 bankruptcy.  That will stop them from taking the car and allow you to pay the whole debt in monthly payments over 5 years.  If you cannot afford that, you may not be able to keep the car and a Chapter 7 bankruptcy may be your best option.  I would be happy to advise you on this by phone or e-mail on a free initial basis.  ... Read More
Car loan creditors can repossess upon default.  For arguably good reasons, car lenders have an easier route for collection than every other... Read More

I am a co applicant on a credit card with my ex fiance. Has not lived with me since 2011. last year he charged and not paying. Am I responsible for it

Answered 13 years and a month ago by Matthew R. Nahrgang (Unclaimed Profile)   |   1 Answer
Joint liability means you are 100% liable.  So, the creditor can pursue either debtor and can recover 100% from either one.  You have 3 options: negotiate, ignore, bankruptcy.  I would be happy to discuss all your options on a free initial basis.
Joint liability means you are 100% liable.  So, the creditor can pursue either debtor and can recover 100% from either one.  You have 3... Read More

Could I pursue this on behalf of TCPA act.

Answered 13 years and a month ago by Matthew R. Nahrgang (Unclaimed Profile)   |   1 Answer
You may have a consumer complaint.  The problem is that the main federal law applies to a debt collector as opposed to the original creditor.  If you are located within 20 miles of my office, I may be able to refer you to a consumer attorney who handles such matters on contingency. ... Read More
You may have a consumer complaint.  The problem is that the main federal law applies to a debt collector as opposed to the original... Read More

I am drowning in payday loan fees. Is there a way out?

Answered 13 years and a month ago by Matthew R. Nahrgang (Unclaimed Profile)   |   1 Answer
When you have difficulty paying debts, you should consider bankruptcy.  there are 2 non bankruptcy alternatives which should also be explored.  One is negotiation which most people find difficult or impossible to do.  Another is doing nothing which may result in a lawsuit by the creditor. Feel free to call or e-mail me on a free initial basis to discuss the facts and which option is right for you. ... Read More
When you have difficulty paying debts, you should consider bankruptcy.  there are 2 non bankruptcy alternatives which should also be... Read More

Can a credit card company have me arrested over the money i owe them?

Answered 13 years and 9 months ago by attorney Bankruptcy Attorney Mark J Markus   |   1 Answer
No.  Debtor's prisons were abolished a few years ago (in the 1800s). Perhaps this article may be of assistance to you:  http://www.bklaw.com/bankruptcy-blog/2009/07/bankruptcy-debtors-prison/ Mark J. Markus, Attorney at LawCertified Bankruptcy Law Specialist--State Bar of CaliforniaHandling exclusively bankruptcy law cases in California since 1991.http://www.bklaw.com/bankruptcy blog: http://www.bklaw.com/bankruptcy-blog/Follow Me on Twitter:  @bklawr... Read More
No.  Debtor's prisons were abolished a few years ago (in the 1800s). Perhaps this article may be of assistance to you: ... Read More

Do you have to have a lawyer to settle a lawsuit against a credit card co--i want to settle the suit,pay the money and not go to court.

Answered 13 years and 10 months ago by Mr. Richard Alan Alsobrook (Unclaimed Profile)   |   1 Answer
No, you are not required to have a lawyer represent you.  It may be in your best interest to consult an attorney to protect your rights, but you are not required to hire an attorney. This is not intended to be legal advice, and is general in its nature. No attorney-client relationship exists or is formed by this information. Furthermore, this does not represent the views or opinions of LexisNexis or its affiliated companies.... Read More
No, you are not required to have a lawyer represent you.  It may be in your best interest to consult an attorney to protect your rights, but you... Read More

A law firm in NY Just froze my account from a credit that i had in 2001. I was wondering what i can do to make apayment arrangment with them?

Answered 14 years ago by attorney John Schleiffarth   |   1 Answer
Contact the attorney handling the levy, explain your hardship, and ask if they will agree to installment payments. Another option would be to file bankruptcy before funds are taken from the account. I recommend speaking to a local bankruptcy attorney about your options.  
Contact the attorney handling the levy, explain your hardship, and ask if they will agree to installment payments. Another option would be to file... Read More
Debtor and Creditor
Pennsylvania

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