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Recent business law questions
I have a small business and a relatively small-midsize
I have a small business and a relatively small-midsize company that we sold product to is no longer responding to my, so far, nice attempts to get them to pay the bill. What are my best THREATS to make at this point and what can I do if they still don't respond?
Dex Media failed to honor my request to not put my ad in this
Dex Media failed to honor my request to not put my ad in this years phone book. And also denied my out of business Affidavits (2) and continue to bill me and are threaten to turn me over to collection that will lower my credit score.JA: The Corporate Lawyer will need to help you with this. Have you consulted a lawyer yet?Customer: NoJA: Please tell me everything you can about this issue so the Corporate Lawyer can help you best. Is there anything else the Corporate Lawyer should be aware of?Customer: I cancel the phone number in December of 2015 to honor the out of business affidavit. I had called them in June of last year to cancel my ad in the phone book and they said they would but never did and I have yet to get any letter or email saying it is closed.JA: OK. Got it. I'm sending you to a secure page on JustAnswer so you can place the $5 fully-refundable deposit now. While you're filling out that form, I'll tell the Corporate Lawyer about your situation and then connect you two.
Year ago I paid collection agency by $250.00 by money order
Year ago I paid collection agency by $250.00 by money order send via USPS certified mail, signature required. Three months ago I received the same $250.00 collection bill from different collection agency. I disputed the debt and I asked (twice) the collection company (via certified mail) to verify the bill in collection but the collection agency did not answer at all. The second collection agency posted it on my credit report the $250.00 as an account in collection. I sent the collection agency (via certified mail) second $250.00 money order and I filed a $1,000.00 case against the CREDITOR in Small Claim Court for violation of the California Fair Debt Collection Act.The CREDITOR'S attorney called me to inform me that I cannot sue the creditor and I should pay the 250.00 plus interest before they will countersue and there will be a judgment on my credit file. I informed him that I mailed twice $250.00 money order exactly as the bill stated and I can send him copy of the checks and copy of the certified mail form with the signature returned form. The attorney said that collection agencies did not cash the money order checks.If I do not pay it (third time), before the defendant will file a counterclaim, Can I have a judgment on my credit report if I provide the judge with copies of the money orders and the signed receipt?Should I pay the $250.00 third time, plus the interest, before the defendant will file a counterclaim, so I can avoid the judgment?Can I ask the judge to order the defendant to pay me back the overpayment on the collection bill?Thank you.
I got a voice mail on my phone and they also called my job.
I got a voice mail on my phone and they also called my job. The guy said I had two felony's and criminal charges are against me. The number was: 302-213 - 3271. This guy gave me another number (Which I did not save) and said to call him back with a court release number and he will get rid of the paper on his desk. I then called the number and a woman answered the phone and said. I owe $1700 in bounce/bad checks for a company called "Cash Advance" or "Advance cash". She had my old address, last 4 of my social and bank name. I did not give any information. I said I did not owe this money and if I were to pay how would I do that? She then replied and said "money gram or western union...maybe" I also said I do not have this money, can you give me two weeks. She then said the papers on her desk will be gone the next day at 9:00 am. This happened a month ago.......im pretty scared and did not do such a thing. I've been to the bank countless times and checking my credit reports. In addition, I called cash advance and they said I'm no where in their system.I also, mentioned "advance cash" and they said that's a made up name. I haven't been able to sleep for a while. Today, I stopped by advance cash/cash advance and told them my situation. I gave them the number and they called. The number was to "Legal Review Services" they said I'm not in there system and directed to a different number. This number was to Legal mediation. When my friend called them he was on hold for a long time. Is this a scam??? I,m scared and freaking out!! I never received any letter in the mail. Whats going on????
I have several large bills that include student loans
Hi, I have several large bills that include student loans and medical bills. I have made small payments to the student loans, but I have not filled out any of there paperwork. They want me to commit to payment plans I cannot afford.. Can I still go into default?The collection agency for the medical bills told me if I didn't give them a promise to pay less than 65.00 per month, it was not acceptable and they would continue to call me.Do I have to provide all of my financial information to the loan holder - Nelnet and ACS>Can I make a payment I can afford and get the calls to stop?Thank you
I have an open account on my credit report from a TX school.
I have an open account on my credit report from a TX school. In 2010, there was a mandated change from the Federal Stafford loan to the Federal Direct loan, requiring students to sign a new master promissory note. It was online and new for both the school and myself the student. Long story short, I thought I completed the MPN and associated forms, received the government funds via the school, only to find out that I had not completed the MPN.The semester was over and I was unable to ably the MPN retroactively. I find out not that during that time, many student all over the country received their fund later due to their school not disbursing funds until a signed MPN was on file. After many e-mails and trips to the FA office, I find out that the school disbursed the funds prior to receiving a signed MPN. I was never given a reason why. I was never even offered a payment plan so obviously being a student loan candidate, I couldn't pay.I'm a little older and am now questioning the legality of such a loan. I am current on all of my student loans with a very good to excellent credit score, so I am not trying to avoid responsibility at all but how am I legally responsible for a loan that I never signed for, would not have signed for, and in which the school appears to have been at fault? Who's responsible for the loan and why?
I bought a used vehicle from a reputable dealership in Texas
I bought a used vehicle from a reputable dealership in Texas 1 year and 2 weeks ago. I had financing arranged through my bank and brought it with me for the purchase. I also traded in my old car and put a few thousand cash down. After the temp tag expired, I returned to the dealership to inquire about my registration, and the sales manager told me they had not payed the car off yet; and he issued me another temporary tag. I just ran a bin report that verifies the last title transfer was over two months after I bought it. When that tag expired, I returned to the dealership again, and they finally had my registration sticker. My financing was only good for 45 days, which obviously lapsed before they even had the title to the vehicle. At over a year now, they haven't contacted me, and I've made no payments. My quick searching reveals that they have violated at least two laws in this deal (20 days to register, and sale of unowned vehicle), which, I'm guessing, is why they haven't pursued the issue with me. That and the rediculous amount of fines they would face.I like the car and want to keep it; and if they aren't going to come after me, I'll drive it until it's dead. But is there any way for me to get the title for it?
I am a 22 year old trying to get my credit in order. I openedView more business law questions
I am a 22 year old trying to get my credit in order. I opened an investigation thru Experian on an account I was unaware of until last year, on the basis that I never opened it and had no knowledge of it. I'm pretty sure it was opened by my grandmother (the account was opened when I was 18). The creditor (a utility company) is now asking me for proof that I didn't live at the location where the account was opened (I did live there), and for me to file a police report for identity fraud, especially naming who committed the fraud. My grandmother is old and I don't want to implicate her. However, if I don't, this unwarranted charge off will remain on my credit report for another 2+ years. I really don't know what to do.