How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask NateLawAnswers Your Own Question

NateLawAnswers
NateLawAnswers, Attorney
Category: Legal
Satisfied Customers: 10542
Experience:  Over 8 years of legal practice.
Type Your Legal Question Here...
NateLawAnswers is online now
A new question is answered every 9 seconds

Hi I am being sued by wells fargo for non payment of 2 credit

Resolved Question:

Hi I am being sued by wells fargo for non payment of 2 credit card. The total I owed was about $8,500 for both. When I the papers were served I then sent back an answer to the lawsuit and a request for documents of proof. they sent the answers and then I had to go to court for a case management conference, which I went to, however when I got there I found out the conference had been vacated and the court ordered mediation through alternative dispute resolution. The next step was for me to select a mediator from a list that wells fargo sent to me. After many attempt I finally was able to get in touch with their lawyers today and the mediation is supposed to take place on Wed. and they informed me that there had been a hearing that I did not attend, but I didn't know about any hearing and I checked through all my papers and I couldn't find any information about a hearing. Also I am currently unemployed, having been laid off because of the economy. I am collecting unemployment and do not have any extra money to pay a mediator. I don't know what to do. They are being complete ass holes and I am at the end of my rope. What do I do? what can I do?
Thank you
Mike
Submitted: 3 years ago.
Category: Legal
Expert:  NateLawAnswers replied 3 years ago.
Thank you for your question.

If you're on unemployment, there's only so much they can do. Is the debt valid?
Customer: replied 3 years ago.
yeah I stopped paying on it because I lost my job and was trying to make sure I made my mortgage payements. I fully intent to pay it back but I have to get a job first. Their lawyer kept asking me if I could set up a payment plan and if I didn't the cost would continue to go up, and when I do get a job she said they could still come after me for up to ten years. This whole mess is really stressing me out, on top of the constant stress of trying to find a job and trying to keep my house. what happens if I can't set up the mediation meeting by the deadline set by the court? Theres just no way I can afford to pay a mediator at all.
Expert:  NateLawAnswers replied 3 years ago.
Don't stress out too much.

At worst, they can only garnish 25% of your wages. Even then, you can file a slow pay motion to reduce payments even more.

Past that, you can always file Chapter 13 bankruptcy. Unlike Chapter 7, it won't destroy your credit and will stop collection efforts until a court approved modification of your debts is determined.

I will be happy to follow up with you if you have additional questions. In the meantime, please click ACCEPT so that I can get credit for answering your question.

Thanks!

Nathan Moore
NateLawAnswers, Attorney
Category: Legal
Satisfied Customers: 10542
Experience: Over 8 years of legal practice.
NateLawAnswers and 21 other Legal Specialists are ready to help you
Customer: replied 3 years ago.
So should I still try and set up something with the mediator by this Wednesday? Or ask the judge for an extension? Their lawyer tries to put pressure on setting up payments, but I simply don't have the money to do any of that or to negotiate a settlement with the mediator.
Expert:  NateLawAnswers replied 3 years ago.
Yes. Still go to the mediation - bring all your financials and you may get a great deal from the mediator based on your situation.
NateLawAnswers, Attorney
Category: Legal
Satisfied Customers: 10542
Experience: Over 8 years of legal practice.
NateLawAnswers and 21 other Legal Specialists are ready to help you

JustAnswer in the News:

 
 
 
Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.
 
 
 

What Customers are Saying:

 
 
 
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Last | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it. Lee Michigan
 
 
 

Meet The Experts:

 
 
 
  • Tina

    Lawyer

    Satisfied Customers:

    8436
    JD, BBA Over 25 years legal and business experience.
< Last | Next >
  • http://ww2.justanswer.com/uploads/MU/multistatelaw/2011-11-27_173951_Tinaglamourshotworkglow102011.64x64.jpg Tina's Avatar

    Tina

    Lawyer

    Satisfied Customers:

    8436
    JD, BBA Over 25 years legal and business experience.
  • http://ww2.justanswer.com/uploads/RA/ratioscripta/2012-6-13_2955_foto3.64x64.jpg Ely's Avatar

    Ely

    Counselor at Law

    Satisfied Customers:

    19941
    Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
  • http://ww2.justanswer.com/uploads/FL/FLAandNYLawyer/2012-1-27_14349_3Fotolia25855429M.64x64.jpg FiveStarLaw's Avatar

    FiveStarLaw

    Attorney

    Satisfied Customers:

    8189
    25 years of experience helping people like you.
  • http://ww2.justanswer.com/uploads/jespoag/2008-12-17_222355_jessepic.jpg JPEsq's Avatar

    JPEsq

    Attorney

    Satisfied Customers:

    2132
    Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor
  • http://ww2.justanswer.com/uploads/gsenmartin/2008-04-22_214950_me1.jpg Guillermo J. Senmartin, Esq.'s Avatar

    Guillermo J. Senmartin, Esq.

    Attorney

    Satisfied Customers:

    110
    7+ years of experience handling various legal matters.
  • http://ww2.justanswer.com/uploads/PA/PaulmoJD/2013-10-10_195858_JAImage.64x64.jpg Law Educator, Esq.'s Avatar

    Law Educator, Esq.

    Attorney

    Satisfied Customers:

    31621
    JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
  • http://ww2.justanswer.com/uploads/dkaplun/2009-05-17_173121_headshot_1_2.jpg Dimitry K., Esq.'s Avatar

    Dimitry K., Esq.

    Attorney

    Satisfied Customers:

    15975
    Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.