Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

We were just notified by a collection agency that we owe state…

Customer Question
We were just notified by...
We were just notified by a collection agency that we owe state taxes for $17,000 plus...contacted state of Indiana and we were told had to deal with collection agency.Called Premier Credit and were informed we now pay them. They advised monthly payment would be $800 per monthAlso advised they've had this for past 2 years and couldn't find us? Now we pay 2 yrs late fees, etc. Can the credit company demand $800 per month? We are both retired and can't afford those payments. Thanking you in advance for your reply.
Submitted: 3 years ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 57 minutes by:
6/10/2015
Lawyer: CalAttorney2, Attorney replied 3 years ago
CalAttorney2
CalAttorney2, Attorney
Category: Legal
Satisfied Customers: 10,244
Experience: Civil litigation attorney for individuals and businesses.
Verified
You can try to negotiate a lower payment.When negotiating payment (especially for those on disability or retirement income) take into account the backdrop of bankruptcy exemptions - these are assets and income that a creditor cannot collect or levy on. You can find a list of exemptions in Indiana here: http://www.nolo.com/legal-encyclopedia/indiana-bankruptcy-exemptions.htmlAfter you have identified what assets are vulnerable to collections, you can try renegotiating your debt with the creditor - unfortunately tax debts do have a lot more leverage than other unsecured debts, but you can still use these general negotiation strategies when dealing with creditors:When trying to settle a debt, creditors generally prefer lump sums over payment plans. They are often willing to accept an amount less than the full debt (the trade off is that they get a quick payment and don't have to worry about ongoing collection costs or administration). If you do not have the ability to offer a lump sum for something the creditor will accept (some will accept a small portion, while others want close to the full amount), you can try a payment plan, these are less satisfactory to the creditor (especially if they have a lien on your property already), but if you are willing to offer something with a reasonable chance to get the creditor a large amount of their debt back, you are likely to get them to accept it.Whenever working with a creditor, make sure that you keep your communications in writing (if you speak to someone by phone, promptly send a confirmation letter to summarize your conversation), as this will help to ensure that there is no confusion later on, and you will be able to enforce your settlement against any future collection efforts.
Ask Your Own Legal Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask CalAttorney2 Your Own Question
CalAttorney2
CalAttorney2
CalAttorney2, Attorney
Category: Legal
Satisfied Customers: 10,244
10,244 Satisfied Customers
Experience: Civil litigation attorney for individuals and businesses.

CalAttorney2 is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Ely

Ely

Counselor at Law

24,658 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

22,843 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

44,266 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo Senmartin

Guillermo Senmartin

Lawyer

301 satisfied customers

Principal Attorney at Guillermo J. Senmartin, P.A.

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

17,183 satisfied customers

Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.

< Previous | Next >

Related Legal Questions
DELINQUENT CONDO ASSESSMENT COLLECTION POLICY - URGENT
DELINQUENT CONDO ASSESSMENT COLLECTION POLICY - URGENT RESPONSE PLEASEREQUESTS: 1. Is there a Civil Code/law that directs the HOA or Collections Agency to take the MONTHLY HOA DUES and apply them towa… read more
Attyadvisor
Attyadvisor
Doctoral Degree
8,350 satisfied customers
Hello, I had a business. I used a "yellow page" type advertisement
Hello, I had a business. I used a "yellow page" type advertisement in 2007. I had owed ~$7,500 (~$5,200 original plus ~$1,000 in lawyer fees pllus ~1,300 in 18%/yr late penalties) for back payments wh… read more
Alex Esquire
Alex Esquire
Managing Attorney
Doctoral Degree
153 satisfied customers
My new husband has a couple student loans that total around
My new husband has a couple student loans that total around $60,000 and the monthly payment is going to be like $800 per month. My question is would it be wise to try and get a loan with cheaper inter… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
My sons student loans from Sallie Mae are in default and have
My son's student loans from Sallie Mae are in default and have been turned over to a collection agency. He graduated college in 2009 and landed a job in 2010 that pays $25,000 annually. He could not a… read more
FLACORPLAWYER
FLACORPLAWYER
Doctoral Degree
1,750 satisfied customers
10/1/10 Received a letter 2 wks ago from a collection agency
10/1/10: Received a letter 2 wks ago from a collection agency regarding an unpaid IN income tax on R M Phipps Corporation (husband's) which filed for and completed bankruptcy in 1978 or '79 .. I calle… read more
LawTalk
LawTalk
Attorney at Law
Juris Doctor
128 satisfied customers
Been to court agreeing we owe the medical bill (896.00) paying
Been to court agreeing we owe the medical bill (896.00) paying 50.00 a month now it seems the medical facility has turned to more procedure accounts over to the collection. My husband had surgery in 0… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
From a Tenant Regarding Tenant rights in Texas after an ev
I was evicted from my apartment in Texas in Aug. of 2008 due to the inability to pay. I was contacted by a collection agency on behalf hired by the management company but still had no job and couldn't… read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
I have been with AMEXCO for 49 years. Never missed a pament.
I have been with AMEXCO for 49 years. Never missed a pament. In Nov + Dec of 2009 I send partial payments because of financial hardship (son's unexpected divorce, etc) and then was current on my accou… read more
MShore Law
MShore Law
Doctoral Degree
1,233 satisfied customers
My 84 year old mother has a cedit card debt that has been handed
My 84 year old mother has a cedit card debt that has been handed over to a collection agency - She can only afford to pay 25 per month for the next 6 months. They are asking for 70 per month plus she … read more
JB-Umphrey
JB-Umphrey
Attorney & Counselor
Juris Doctor
606 satisfied customers
Im on Social Security Disability, I recd a letter from one
I'm on Social Security Disability, I rec'd a letter from one of my credit card company to go to court, being sued for non payment. They told me tht I have to make paymets of $50.00 til my account is p… read more
Anne_C
Anne_C
Attorney
Doctoral Degree
13 satisfied customers
if a credit card company charges off your debt and turns it
if a credit card company charges off your debt and turns it over to a collection company are you obligated to pay the collection company?… read more
A.J.
A.J.
Attorney
Doctoral Degree
1,796 satisfied customers
I have a collections agency that has been messing around with
I have a collections agency that has been messing around with my account. They say they do not have to send me statements reflecting the application of my payments. They also recently stopped an autom… read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
22,843 satisfied customers
When making payments to a hospital whats the min you can get
When making payments to a hospital whats the min you can get away with, so they can't send you to collection?… read more
Law Pro
Law Pro
Doctoral Degree
19,000 satisfied customers
Can a collection agency call you at 3am Can they advise you
Can a collection agency call you at 3am? Can they advise you to call back orelse they are not responsible for anything that will happen to you and then end the statement with: God Bless You? I have be… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
I had to do a short sale on my home in March 2008 with a balance
I had to do a short sale on my home in March 2008 with a balance of $17,000 on my second mortgage. I signed a traditional loan agreement to make monthly payments on my second mortgage with HSBC. About… read more
cfortunato
cfortunato
J.D.
7,967 satisfied customers
If we are making a concerted effort to pay a bill that has
If we are making a concerted effort to pay a bill that has been sent to a collection bureau ($100 per month for an $800 bill), plus I will send more when funds available, can we be threatened for furt… read more
Curtis Staropoli, Esq
Curtis Staropoli, Esq
Principal and Managing Attorney
Juris Doctor
744 satisfied customers
Have a car repossession from 1998-1999. I have been paying
Have a car repossession from 1998-1999. I have been paying them what I can afford every month ($20). My payment was late this month. So they called and threatened legal action and said that my payment… read more
Mr Lofton
Mr Lofton
Doctoral Degree
702 satisfied customers
What is the minium payment by law that is required for the ...
What is the minium payment by law that is required for the state of Georgia, for it not to be on my credit?… read more
Bill F.
Bill F.
Associate Degree
1,110 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x