Legal

Ask a Lawyer and Get Answers to Your Legal Questions

Ask a Lawyer,
Get an Answer ASAP!

Legal

I live in NJ had a business in Ga. HAd to close because no

Customer Question
money to continue it. I...
I live in NJ had a business in Ga. HAd to close because no money to continue it. I had a vendor fronting me product for 3 years good with all my paybacks, unfortunately I left owing them 13,000.00 They settled with me for 6,000 but I only had 3 weeks to pay in full couldn't do it I had no money. They sent me to collections the fella told them I had assets after I told him I had none The then got a NJ lawyer who called me in March I told him I owed the money can they bring it to 6,000 and give me a payment plan, I never heard back and now I recieved notice they are suing me in Monmonth County.I called Plaintiff lawyer this morning, he was very rude and I offered a 5,000 settle that I would borrow money from family he said I don't thin they will accept that. What can I do I don't want this on my credit report since I'm seeking employment and how far can this go. I'm not denying that I owed I just have no means of paying. Been unemployed, have a high mortgage payment husband only gets Social security I'm also getting SS,but I can't make ends meet.
JA: OK. To minimize me, please click the down arrow at the top right corner of this box. Since estate law varies from place to place, can you tell me what state this is in? OK. To minimize me, please click the down arrow at the top right corner of this box. Have you talked to a lawyer yet?
Customer: No, can't pay a lawyer..Business incorportaed LLC in Ga. I we live in NJ
JA: Anything else you think the lawyer should know?
Customer: I have til August 5th to answer the claim, if I disagree with the claim. I don't disagree but they were very unfair from the beginning since Oct in giving me time or a payment plan, I have not heard from them since March.I actually though or assumed they were forgiving the debt since I had no means. Now they want 15,000.00 interest and legal fees.I offered back then to pay them 100.00 per month they said NO.
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 Lawyer about your situation and then connect you two.
Submitted: 1 year ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 7 minutes by:
7/6/2016
Lawyer: legalgems, Lawyer replied 1 year ago
legalgems
legalgems, Lawyer
Category: Legal
Satisfied Customers: 10,866
Experience: Just Answer consultant at Self employed
Verified

I am very sorry to hear this;

unfortunately if the underlying debt is valid and one is personally liable for it, then the lender can seek payment in full, plus attorney fees and costs.

They are not obligated to reach a settlement.

However, if one is completely unable to pay, they may wish to look into fresh start bankruptcy;

That is discussed here:

http://www.uscourts.gov/services-forms/bankruptcy/bankruptcy-basics/chapter-7-bankruptcy-basics

Chapter 7.

The problem is that the court won't look to see if one can afford it, rather they will determine if there is a debt and if so if the person is liable and if there are any affirmative defenses (ie statute of limitations). Then they will issue a judgment, and interest will be added.

SO if one truly is unable to pay, bankruptcy may be the best alternative.

Further questions? Please post here to continue the chat.

Satisfied? Kindly rate positively so I receive credit for assisting you.

(no additional charges are incurred).

Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.

Ask Your Own Legal Question
Lawyer: legalgems, Lawyer replied 1 year ago

While employers do run credit checks more often than in the past, many Americans are having to file for bankruptcy and still manage to obtain employment:

https://www.debt.org/bankruptcy/statistics/

Ask Your Own Legal Question
Ask legalgems Your Own Question
legalgems
legalgems
legalgems, Lawyer
Category: Legal
Satisfied Customers: 10,866
10,866 Satisfied Customers
Experience: Just Answer consultant at Self employed

legalgems 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:

Tina

Tina

Lawyer

8,775 satisfied customers

JD, BBA Over 25 years legal and business experience.

Ely

Ely

Counselor at Law

24,218 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

20,218 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

41,455 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 J. Senmartin, Esq.

Guillermo J. Senmartin, Esq.

Attorney

287 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
I have an affirmative defense question. CA. Not sure
Hi, I have an affirmative defense question JA: What state are you in? It matters because laws vary by location. Customer: CA JA: Has anything been filed or reported? Customer: no JA: Anything else you… read more
Dwayne B.
Dwayne B.
Juris Doctor
28,498 satisfied customers
What is the statute of limitations in Texas for A felon in
What is the statute of limitations in Texas for A felon in possession of a firearm … read more
N Cal Atty
N Cal Atty
Doctoral Degree
59 satisfied customers
What is the statute of limitations in Florida for medical
What is the statute of limitations in Florida for medical malpractice? … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,921 satisfied customers
What is the statute of limitations for legal malpractice
what is the statute of limitations for legal malpractice lawsuit? … read more
LawGuy
LawGuy
Juris Doctor
123 satisfied customers
I live in Oregon and the statute of limitations on financial
I live in Oregon and the statute of limitations on financial contracts is 6 years,rather than 7 years. There are 2 Business credit card accounts which appeared on my personal credit this year. The acc… read more
legalgems
legalgems
Lawyer
10,866 satisfied customers
Is there a statute of limitations in MA for physical abuse
Is there a statute of limitations in MA for physical abuse in the 60's and 70's by a parent? … read more
ScottyMacEsq
ScottyMacEsq
Doctoral Degree
17,072 satisfied customers
What are the statute of limitations for Intentional
what are the statute of limitations for Intentional Infliction of Emotional Distress cases?… read more
Roy Hadavi
Roy Hadavi
Attorney
Juris Doctorate
886 satisfied customers
What is the statute of limitations for bodily injury and
what is the statute of limitations for bodily injury and property damage in colorado … read more
Olivia Kent
Olivia Kent
Managing Partner
Law (J.D.) and Medicine (M.D.)
1,428 satisfied customers
What is the statute of limitations on collecting on a
Hi! What is the statute of limitations on collecting on a criminal monetary judgment? … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
5,921 satisfied customers
In California is there a statute of limitations on bring a
In California is there a statute of limitations on bring a court action against a ex-husband that the court ordered over 25-years ago to pay his wife $125,000.00 in a divorce. Is there anything lawful… read more
lucy7368
lucy7368
Juris Doctor
763 satisfied customers
Is there a statute of limitations in having your license
Is there a statute of limitations in having your license revoked for life especially since I did the punishment, never been in trouble before or after … read more
Zoey, JD
Zoey, JD
Doctoral Degree
175 satisfied customers
What is the statute of limitations on contesting a will in
What is the statute of limitations on contesting a will in the following particular circumstances? A man dies at 84 after having changed his will twice in the previous 20 years. One original will was … read more
Olivia Kent
Olivia Kent
Managing Partner
Law (J.D.) and Medicine (M.D.)
1,428 satisfied customers
Is there a statute of limitation that an Oregon State Board
Is there a statute of limitation that an Oregon State Board of nursing RN license can be suspended for failure to cooperate on a case that no charges were ever brought against me? My license has been … read more
Michael Bradley
Michael Bradley
JD
1,127 satisfied customers
Is there a statute of limitations on filing against the
Is there a statute of limitations on filing against the attorney my brother had, who has been disbarred for stealing from at least 8- of his clients, but there are 3 or 4 more involved in the thief of… read more
Ray
Ray
Lawyer
Doctoral Degree
30,219 satisfied customers
Is there a statute of limitation on when a homeowner or
Is there a statute of limitation on when a homeowner or insurance company can file a workmanship claim against a contractor in the state of Florida for damages resulting for work performed? … read more
ScottyMacEsq
ScottyMacEsq
Doctoral Degree
17,072 satisfied customers
Is there a statute of limitation on a possible social
is there a statute of limitation on a possible social security disability fraud case? thank you. … read more
Ray
Ray
Lawyer
Doctoral Degree
30,219 satisfied customers
In Colorado what is the statute of limitations for
In Colorado what is the statute of limitations for defamation/libel -- there appear be three general timelines 3years, 2years, and 1year. … read more
RobertJDFL
RobertJDFL
Attorney
Juris Doctorate
5 satisfied customers
Is there a statute of limitations in North Carolina for a
is there a statute of limitations in North Carolina for a second DUI that happened 1/31/2013? was also ticketed for driving while revoked. … read more
Expert James
Expert James
Doctoral Degree
11,533 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