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I received a computer-generated letter, implying it was from

I received a computer-generated letter, implying it was from the Department of the Treasury, pertaining to my outstanding consumer debt. This letter directs me to the Department of Advocacy Services' toll free number 1-***-***-****. Is this a phishing scam or is it a legitimate letter? thank you. RosanneJA: Because consumer protection law varies from place to place, can you tell me what state this is in?Customer: Illinois, specifically Carbondale, Illinois.JA: Have you talked to a lawyer yet?Customer: No, I 'googled' the Department of Advocacy Services, and according to the BBB website, it appears to be an organization that uses intimidating letters to scare people into sending them money, without making good on its claim to help the consumer reduce his/her debt.JA: Anything else you think the lawyer should know?Customer: According to the BBB website, this "Department of Advocacy" appears to be and unrelated 3rd party that offers debt relief services with no affiliation to either the US Department of the Treasury, and no affiliation to the IRS.

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Alex J. Esq.

Managing Attorney

Doctoral Degree

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My girl friend and I purchase a time share from Wynbhan

My girl friend and I purchase a time share from Wynbhan resort about 12 years ago and never used the weeks. I want to know if there is a status of limitations on this debt because we do not want it. We have not heard anything in 12 years and there is nothing on her credit report. When we purchase this time share I used my middle name and not my real first name. I have not moved from my address or ever received and communication from them. Can you help me.JA: Have you thoroughly reviewed the contract?Customer: I do not have a copy of the contract because I never received one.JA: Have you talked to a lawyer yet?Customer: No I have notJA: Anything else you think the lawyer should know?Customer: I believe that is everything.

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LegalKnowledge

Juris Doctor

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29,062 satisfied customers
I have been notified from an agency stating I have an

Hi! I have been notified from an agency stating I have an outstanding debt from a hospital I had never been admitted to. I called the hospital in reference and they do have any record of me being there? Yet, I m suppose to be served with papers? Should I pursue legal intervention?Thx!Connie

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ScottyMacEsq

Doctoral Degree

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22,322 satisfied customers
Can time warner cable make me pay a bill I never had. I got

Can time warner cable make me pay a bill I never had. I got cable turned on and now 2 weeks later i get a notice of disconnect for $300. I have never had cable in my life this is the first time I have ever had anything in my name. They are saying pay it or they cut off service. I am 19 I have never had any services before. It says while auditing our records we located a delinquent balance on your former account which has been associated to your present account. My friend says sounds like they are trying to make me pay someone else's bill like a former tenant. Please I don't know what to do.

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rsa.esq

Counselor at Law

Juris Doctor

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148 satisfied customers
Numerica Credit Union gave us false hope on getting a Home

Numerica Credit Union gave us false hope on getting a Home Loan. It took six months for them to just telling us no, even after signing a lot of paperwork just a few weeks ago (again False Hope). Is there anything we can do against them for doing this to us. We even had to pay for a credit report twice because it took them so long.

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P. Simmons

Attorney

Doctoral Degree

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34,668 satisfied customers
If a health care provider in New Jersey sends a bad debt to

If a health care provider in New Jersey sends a bad debt to collections, what amount is legally collectible, the amount negotiated with the insurance company as an in network provider or the full balance? The medical service in question is not for emergency services but for optional medical equipment.

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KJL LAW

Juris Doctorate

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888 satisfied customers
I was recently on medical disability due to a gh risk

Hello,I was recently on medical disability due to a high risk pregnancy where I had nausea and vomiting. A home health company referred by my doctor administered a pump with constant medication. I was also in need of periodic IVs and had to go to the ER to get those because the nurse in charge of my home care said those weren't covered by the insurance. As I'm looking at the admissions package that I signed the first day they came to my house, it clearly says that I will be getting the pump, IV hydration, IV pole, and ketone stripes. I only received the pump as part of my service for 3 months. ER visits came out to be extremely expensive to get those IV infusions. Now I realize maybe they had billed for services they never gave me. How can I proceed about this?Thank you

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P. Simmons

Attorney

Doctoral Degree

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34,668 satisfied customers
I had delinquent debts and judgement on my credit,

I had delinquent debts and judgement on my credit, delinquency started in 2011. I am trying to figure out how long legally can collector can file a lawsuit and get a judgement. I understand there are laws different by state that determines minimum time period after collector cannot file a lawsuit. Additionally, i understand if i start paying my 7 year period clock before my credit becomes clean starts from that point correct?

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Dwayne B.

Juris Doctor

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34,738 satisfied customers
Can I have a negative account removed from my credit report

Can I have a negative account removed from my credit report if I was the cosigner and I never received documentation on the account?

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LegalKnowledge

Juris Doctor

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29,062 satisfied customers
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