Join the 9 million people who found a smarter way to get Expert help

Recent Credit Report questions

I have a serious problem. I am 60 years old living on

I have a serious problem. I am 60 years old living on disibility of 1200.00 a month. I barely get thru the month and sometimes I don't. I am a cancer survivor of 7 years. I losy my left leg from all the complications of cancer, and I have several other health issues. When I had to go on disibility I wasn't able to pay some of my bills. I had to choose what was more important - credit cards or house. Well naturally I chose my home. I called all the credit card places and told them my situation. I only had 2 out of about 10 different types of credit cards that tried to sue me. I told them again my situation and they left me alone. I had actually hired Lexington Law about 3 months ago to clean up my credit report so I could refinance my house. Now after hiring them I have a very agressive credit agency getting ready to sue me. He told me he could garnish my account, put a lien on my house.. I don't know what to do.JA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: ColoradoJA: Has anything been filed or reported?Customer: No I don't think so I am suppose to call this lawyer back today and tell him how much I will offer them, and I have nothing.JA: Anything else you want the lawyer to know before I connect you?Customer: I was told I could go to jail, so worried about that

Read more

Dwayne B.

Juris Doctor

37,850 satisfied customers
Can a primary signer on a car loan sue the other signer, who

Can a primary signer on a car loan sue the other signer, who took possession and responsibility of the vehicle at purchase, if they default on the loan?JA: What state is this in? And how old is the car?Customer: Ohio and I am not certain of the year, but it was a newer hummerJA: Has anything been filed or reported?Customer: nothing filed, but the questionable signer ultimately turned it over and the bank repossessed it and auctioned itJA: Anything else you want the lawyer to know before I connect you?Customer: no

Read more

legalgems

Juris Doctorate

18,140 satisfied customers
I am currently the defendant in a debt case. My lawyers

I am currently the defendant in a debt case. My lawyers negotiated with the Plaintiff's lawyers. In Nov 2016, I agreed with my lawyers that we should accept the latest offer (in writing). My lawyers still have not accepted the offer on my behalf. To my knowledge, there has been no change in the case. I feel like I have been put in ongoing risk of losing the offer and ending up in a really bad spot. Would it be wise and acceptable for me to fire my lawyers and accept the settlement offer myself?JA: What are the debts in question? What collection efforts have been made?Customer: It's an old Credit Card debt. For which, we have an ok case to fight in court, but I decided I did not want to risk it. I have received countless letters and phone calls for years. It would be past the statute of limitations, except the Plaintiff claims to have evidence that I made a payment at some point re-affirming the debt.JA: Has anything been filed or reported?Customer: Yes. It's on my credit report now. I received papers for a court date and that's when I sought representation.JA: Anything else you want the lawyer to know before I connect you?Customer: I just don't want to tick off my lawyers, even though they clearly dropped the ball. I can't afford a lawsuit... this one is already going to break me.

Read more

Legal Eagle

Attorney

Doctoral Degree

2,540 satisfied customers
I have a question regarding old debt. Can you give some

Hi. I have a question regarding old debt. Can you give some general advice on that?JA: What state are you in? It matters because laws vary by location.Customer: I'm in Massachusetts, my daughter is in Tennessee it is her student loan debt we're discussingJA: Has anything been filed or reported?Customer: in terms of civil action, no just a collection letterJA: Anything else you want the lawyer to know before I connect you?Customer: the debt has aged off both our credit reports. She graduated from college in 2000

Read more

Lucy, Esq.

Juris Doctor

33,546 satisfied customers
My friend referred me to your website. California, possibly.

Hi, my friend referred me to your website.JA: What state are you in? It matters because laws vary by location.Customer: CaliforniaJA: Has anything been filed or reported?Customer: possibly.JA: Anything else you want the lawyer to know before I connect you?Customer: Ummm, I don't think so.

Read more

legalgems

Juris Doctorate

18,140 satisfied customers
My ex gave my number to someone who pretended to be someone

My ex gave my number to someone who pretended to be someone else I know and tricked me into saying things that caused further tension and also have used my personal infoJA: What state are you in? It matters because laws vary by location.Customer: CAJA: Has anything been filed or reported?Customer: Not from meJA: Anything else you want the lawyer to know before I connect you?Customer: I may have said some hateful things afterwards

Read more

Zoey, JD

Doctoral Degree

34,304 satisfied customers
I had an emergency room visit due to an accident 4 years

Hi,JA: Hello. What is your issue regarding?Customer: I had an emergency room visit due to an accident 4 years ago. I was there approximately 30 minutes and had a blood test and a CT on my head. The doctor, a contractor was present approximately 5 minutes and indicated nothing wrong. I indicated when I went in there was no more insurance, only the 5,000 dollars from my car insurance. The bill was 7200.00. Hospital kept 5000.00 and doctor was 2200.00. 1200 of the hospital bill was doctor. The remainder of the bill has been in collection since 2013. I wrote the collectors several times and of course, bottom feeders will always be just that, they kept on. In March this year they sent me a settlement offer of 50% of the total 1223.00. The other firm which had the hospital portion did the same and was no problem. I sent them their money and they cashed the check and was all good. This current outfit is holding my check and calling for the other 50%, even after the letter they sent me. They are threatening me with taking my social security check or retirement for this. That is all I have at this time and barely get by at that. I believe they are wrong to continue this and to hold my payment check. What do you think?JA: What state is this in? And how old is the car?Customer: GeorgiaJA: Has anything been filed or reported?Customer: Nothing has that I know of. All I hear is what these people say in their letters. They are from Illinois.JA: Anything else you want the lawyer to know before I connect you?Customer: I received some money from my mothers death and it amounted to several thousand dollars and that doesn't include taxes. This is the money that I sent them. I had to wait 5 days for all funds as check was from her bank in Florida and it would be there on the 4th of April. I sent an e-mail to the collecting company and indicated all of this to them. They never returned a call or sent an e-mail or normal mail indicating whether the delay was or was not a problem.

Read more

legalgems

Juris Doctorate

18,140 satisfied customers
My daughter just tried to get her first credit report, and

my daughter just tried to get her first credit report , and Experian said they could not find her file "We're sorry; we could not find your report with the information you provided. Please review your information for accuracy and then click Submit and Continue".

Read more

Zoey, JD

Doctoral Degree

34,304 satisfied customers
Bad Credit Rental Question. I have very bad credit due to

Bad Credit Rental Question. I have very bad credit due to tax liens and overdue credit lines. I have never been evicted, but can't rent due to liens and bad credit (currently FICO 521). I've heard of services like this: http://www.rentbuyquick.com . Is this legitimate? Is it legal? A scam? I've also heard of people getting another SS number to run the credit check for an apartment. Is that legal? Please help. I can't live in hotels for the rest of my life.

Read more

TJ, Esq.

Juris Doctor (JD)

11,840 satisfied customers
View more legal questions
In The News