Fifteen months after engaging my attorney, I finally got him
Fifteen months after engaging my attorney, I finally got him to send me the bill. I asked for it three months ago. The bill seems outrageous - $33K for a FCRA credit reporting errors dispute. I'm guessing that the settlements are totaling around $40K based on convos I had with him over the summer.Ok so I am reviewing some of the charges and I noticed that he has received a settlement agreement from one defendant in September, and had settlement discussions with another just recently as November. Although he has emailed me asking me to call him, I have asked him to send me updates via email on the case. He has not done that. I'm guessing since I won't call him then he is holding his ground and will not update me in the manner that I requested. I asked this before on this site, but I only want to be updated via email. Am I putting myself in a bad position? I mean who wants to talk to someone who is squeezing you out of everything? Everyone is losing except the attorney. He is the one who is winning....
I've been seeing an acupuncturist who was in my HMO network.
I've been seeing an acupuncturist who was in my HMO network. She confirmed while I was there with my insurance that I was authorized to see her up to 12 visits per year. I've seen her for 8 visits, but now several months later I get a bill from her for $800 and later she told me that she tried to bill my insurance many times, but my insurance couldn't process her claims. So none of her bills were ever denied by my insurance, they were just never processed because she just doesn't know how to submit my claims per my HMO requirements.So my question is, what is my liability in this situation? I understand that once my insurance denies a claim, she can go after me , but since my insurance never denied any claimed, and she was willing to be in their HMO network to begin with, isn't her job to know how to submit a claim properly, even if it's much harder to make a proper claim to my insurance than to other insurances she is used to bill. Does she has any legal basis to go after me or send me into a collection agency in this case?
In 2007, my business got 2 loans from the local bank. in
In 2007, my business got 2 loans from the local bank. in 2011, both loans have been charged off due to non-payment status.at the time of charged off, the balance for each account was $72,000 & $8,000 respectively.Obviously,the bank put the negative info to my credit bureaus since i was the owner of the corporation (S-Copration) and personal guarantor of the loan. Also, the bank reported negative credit info for company credit Bureaus on the top of UCC files.Luckily, the bank didn't file any lawsuit against my company nor myself.My company & I don't have any asset till now but, this year everything gets better and we are start making money.My personal credit bureau reported to me that my negative information will be erased in next 2 years.MY question is1. what about company credit info? any statue of limitation?My company can't get any loan from any bank because of charged off record & UCC file.2. Is there any way my company can get the loan any future from other banks without paying off the charged offed loans?3. Is there any chance that the charged off bank files a lawsuit against my company once they find out my company make money in the future?
Last month, I sued a collection agency in Small Claims Court
Last month, I sued a collection agency in Small Claims Court for violation of the Rosenthal Fair Debt Collection Practices Act.The agency was collecting on medical bill paid in full by my health insurance company.I was reworded $1,000.00 for violation of the FDCPA and $1,000.00 Compensatory Damages for emotional distress.Last week the collection agency posted on my credit report that I owe the $1,250.00 which I proved in court that is paid in full by my health insurance company.I also received a collection letter for the $1,250.00.I spoke to the Small Claims Court clerk and she said I will have to file the form SC-105 “Request for Court Order and Answer” and ask for declaratory relief.My question is,1. what should I specify in the section no 3 of the form SC-105, which stipulates “I ask the court to make the following order”2. what should I specify in the section no 4 of the form SC-105, which stipulates “I ask for this order because”All I want is that the collection agency will stop collecting on the paid bill, will stop contacting me and to make sure that no this agency or any other collection agency will post the $250 bill as account in collection on my credit report or start new collection over again.Thank you
We have a couple of rental houses here in Texas. We were
We have a couple of rental houses here in Texas. We were wanting to roll into an LLC but it sounds like the mortgage companies will not allow LLC to hold mortgages without us being personal guarantors which eliminated the personal asset protection of LLC. Then I heard that we might could put them into a Trust and then roll that into LLC. We basically would like to have the personal asset protection associated with LLC and would like to have the mortgages off of our personal credit reports since it has affect on loan debt-to-income ratios. Is there a way to handle these mortgages to accomplish the two things we are specifically interested in?
A friend owed his landlord for some back rent and had some
A friend owed his landlord for some back rent and had some financial problems. Didn't declare bankruptcy. The landlord went to small claims court in 2010 and got a judgement. Don't know the amount. Is there a statute of limitations on such judgements and if not, how can I find out the amount? I want to help him to clean up his financial problems.
I just discovered that I have 5 accounts in collections, all
I just discovered that I have 5 accounts in collections, all small amounts from the same original company. The collection agency, instead of entering one chose to enter 5 which obviously looks worse on my credit report. The total of all five is only $600. They won't let me pay off each one and then remove it from my report. They want to treat all 5 as one. I imagine they can do whatever they want but I need to know for sure whether this is legal or illegal. Thanks.