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

Recent Credit Report questions

My home was held as security on a business loan. My husband

My home was held as security on a business loan. My husband defaulted on the loan, so I had to surrender my home to the bank over the business loan. I filled a Chapter 7, and included my home to release my liability to the mortgage. It's been 6 years since this took place. The house is still empty, and the 2 banks are fighting in court over who has claims to the house. Meanwhile, the house deed remains in my name. How do I get my name off the deed? Shouldn't it have been transferred to the Business bank when theJA: Because real estate law varies from place to place, can you tell me what state this is in?Customer: when they took possession. The business bank loan was in Indiana. My home, and it's mortgage bank is in KentuckyJA: Has anything been filed or reported?Customer: My bankruptcy was discharged 30days after it was filed in 2011. In the paper work there is a sherries sale paper. I every few months or so get papers in the mail about the banks proceedings, and court documents. But, no resolution yetJA: Anything else you want the lawyer to know before I connect you?Customer: I don't think so

Read more

Roger

Litigation Attorney

Doctoral Degree

34,596 satisfied customers
I had a creditor send me a letter in 11/2016 that stated

I had a creditor send me a letter in 11/2016 that stated they were forgiving the remainder of my 2nd mortgage loan that was on a property that was foreclosed on. I have been paying on this loan via automatic payment widthdrawels for over 9 years. The following month, they stopped the auto payment. So, I waited for the 1099c tax form for gift of funds and I never received it. So, I contacted them and they said the letter was sent in error and that I was delinquent 90 days on my account. Now, my credit score is ruined. Dropped from 720 to 620. They said they would rectify it , but it will take 30 days. After that 30 days is up and if it is not back to where it was, is there any recourse I have against them?JA: Since laws vary from place to place, what state is this in? And has any paperwork been filed?Customer: CaliforniaJA: Has anything been filed or reported?Customer: They have supposedly submitted the discrepancy to the credit bureau'sJA: Anything else you want the lawyer to know before I connect you?Customer: I have payed this account for over 9 years without ever being late once

Read more

Gerald, Esq

Juris Doctor

6,522 satisfied customers
USAA (credit card) recently closed my account without

Hi. USAA (credit card) recently closed my account without notice, despite the fact that I've had the Visa for 4-years and never once been late.JA: What is your official status? Do you have any pending applications or petitions with USCIS?Customer: When they closed my account it was paid ahead of time, as well. They blocked my access to the website so I have no idea exactly what I owe or when. After several calls to USAA, they are very rude and hostile. They refuse to provide any evidence of how they derived their version of the debt. I reside in Texas, am handicapped with a terminal blood infection and after spending more than $38,000 in ongoing medical bills Im at a loss for what to do. Can I demand they provide evidence of the debt (signed receipts, etc...)JA: Has anything been filed or reported?Customer: Yes. They just reported me 30-60 days late.JA: Anything else you want the lawyer to know before I connect you?Customer: Not that I can think of at the moment.

Read more

P. Simmons

Attorney

Doctoral Degree

37,400 satisfied customers
I briefly attended a for-profit college from late 97-early

I briefly attended a for-profit college from late 97-early 98. When I withdrew from the school, the school immediately sent my account to a law firm for debt collection. From 98-about 00, I made monthly payments to the firm until the debt was paid off. Today, in 2017, I am told by the school that I still owe them money! The school rep was unhelpful, and kept insisting I owe money, instead of listening to what I was saying and trying to get to the bottom of the issue. I called the law firm that I made the payments to, but I was told that they are "no longer the same office," that they have not represented the school in many years. The assistant did try to look me up in their records, but they have no information about me. My question is: I am scared that this school is going to send more debt collection after me. What can I do to find proof that I paid the debt and protect myself? After all these years, and many moves (I was in the military), I no longer have any documents to indicate I paid.JA: Because education law varies from place to place, can you tell me what state this is in? PayPal, Debitcard or credit card are all fine. Has anything been filed or reported?Customer: The school is in PennsylvaniaJA: Anything else you want the lawyer to know before I connect you?Customer: I think I've got it covered so far.

Read more

Gerald, Esq

Juris Doctor

6,522 satisfied customers
Company “C” contracted or sold debt owed by person “D” to

Hello,Company “C” contracted or sold debt owed by person “D” to collection agency “E”. Company “C” did not notify “D” of an outstanding balance and even let “D” continue to utilize the services of “C”. When person “D” was contacted by “E” in regards ***** ***** debt owed to “C”, person “D” made a payment to “C” directly for the full amount owed. There was a “FEE” associated with the collection and is posted as a collection on person “D”'s credit report. “C” apparently would not contact “E” regarding collection of payment directly from “D” by check making the claim the they “Could not do that”. What I would like to know is if “C” operated illegally by accepting the debt owed. I am not sure what type of collection service was used by “C”, I would guess that is a large part of the puzzle. What can be done? Thanks.JA: What state is this in? And when did the issue begin?Customer: New Mexico, about 5 years agoJA: Has anything been filed or reported?Customer: to my knowledge noJA: Anything else you want the lawyer to know before I connect you?Customer: I don't think so, other than I am asking on behalf of another person

Read more

Legal Eagle

Attorney

Doctoral Degree

790 satisfied customers
I bought a car from craigslist and the seller misrepresented

Hi I bought a car from craigslist and the seller misrepresented the state of the car. I would like to claim for the cost of the repairs.JA: What state are you in? It matters because laws vary by location.Customer: This car was bought in the state of Maryland. So I would like to see if suing for the cost of these repairs would be possibleJA: Has anything been filed or reported?Customer: Not yet no. This happened just two days ago.JA: Anything else you want the lawyer to know before I connect you?Customer: Thats all I guess.

Read more

legalgems

Juris Doctorate

16,112 satisfied customers
The court system in put wrong garnishment

The court system in put wrong garnishment information/charges causing me to have debt oh my credit submitting it to all credit bureaus. Can I sue the court system

Read more

Phillips Esq.

Attorney

Juris Doctor

20,674 satisfied customers
Is there a statue of limitation on a privately insured

Is there a statue of limitation on a privately insured student loan?JA: What state are you in? It matters because laws vary by location.Customer: CaliforniaJA: Has anything been filed or reported?Customer: The only thing I know is that its been turned over to a collection agency.JA: Anything else you want the lawyer to know before I connect you?Customer: Yes, I am a co-signer to this loan. They are constantly after me to pay this loan, because the person the loan is for have not been paying on it. On my credit report, it say that there was a Charge Off for this loan.

Read more

ScottyMacEsq

Doctoral Degree

24,022 satisfied customers
I have two major things on my credit. And I need some help

I have two major things on my credit. And I need some help on how to rid of it.JA: What state is this in? And when did the issue begin?Customer: Mn 6years agoJA: Has anything been filed or reported?Customer: I believe soJA: Anything else you want the lawyer to know before I connect you?Customer: Just would like some legal advice

Read more

Law Educator, Esq.

Attorney At Law

Doctoral Degree

114,106 satisfied customers
View more legal questions
In The News