Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

I have a debt that I am being sued for that is 10 years old.

Customer Question
I have a debt...

I have a debt that I am being sued for that is 10 years old. The debt collector filed the case 1 month before the statute of limitation was to expire.

Lawyer's Assistant: Because laws vary from place to place, can you tell me what state this is in?

I am in Illinois

Lawyer's Assistant: Have you contacted the manufacturer?

I entered into a title loan agreement with lighthouse financial back on 09/08/2007 according to the papers I was served

Submitted: 5 months ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 1 minute by:
11/10/2017
Lawyer: Barrister, Attorney replied 5 months ago
Barrister
Barrister, Attorney
Category: Legal
Satisfied Customers: 41,069
Experience: 17 yrs practice, Civil, Criminal, Domestic, Realtor, Landlord 26 yrs
Verified

Hello and welcome! My name is ***** ***** I am a licensed attorney and will try my best to help with your situation. There may be a slight delay in my responses as I type out an answer or reply.

.

I have read your comments, but I am not sure what your legal question is?

.

.

thanks

Barrister

Ask Your Own Legal Question
Customer reply replied 5 months ago
What can I do about this debt ? They are now suing me for a debt that is 10 years old.
Customer reply replied 5 months ago
This is a title loan company that I entered into an agreement with back in 2007. They filed a lawsuit against me what would be my best course of action.
Lawyer: Barrister, Attorney replied 5 months ago

To be very honest with you, if they filed before the SOL expired, and the debt is yours, and it is unpaid, then your best "bad" option is to try and settle with them prior to going to court. If you go to court, they will eventually end up with a judgment against you and will likely tack on a few thousand in attorney fees on top of what they are trying to get now.

.

So settling and entering into some type of payment plan is going to be your cheapest way out of this unless you have other unpaid debts and want to consider filing bankruptcy..

.

You can always threaten to file BK if they won't settle with you by telling them that you may have to file to wipe out this and a few other debts if you can't work it out. If you filed, they get nothing and they know it..

.

.

thanks

Barrister

Ask Your Own Legal Question
Was this answer helpful?
Ask Barrister Your Own Question
Barrister
Barrister
Barrister, Attorney
Category: Legal
Satisfied Customers: 41,069
41,069 Satisfied Customers
Experience: 17 yrs practice, Civil, Criminal, Domestic, Realtor, Landlord 26 yrs

Barrister 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

24,353 satisfied customers

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

INFOLAWYER

INFOLAWYER

Attorney

20,727 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

42,358 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

292 satisfied customers

7+ years of experience handling various legal matters.

< Previous | Next >

Related Legal Questions
Auto title question: I'm buying a used car, the title is in
auto title question: I'm buying a used car, the title is in the seller's alias name, the seller's son is signing as POA, the POA is for the seller's legal name. Will DMV accept this POA?… read more
P. Simmons
P. Simmons
Attorney
Doctoral Degree
36,174 satisfied customers
I'm stuck in a car title loan that I can't get out of in
I'm stuck in a car title loan hell that I can't get out of in Texas. I'm paying 550 dollars a month and it's not touching the interest. Is there anyway to get relief from this aside from paying it in … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
10,118 satisfied customers
Want to take someone to court over a title loan ,I told them
Want to take someone to court over a title loan ,I told them I would be in this month to pay the loan off .Went in on Tuesday. They say they sold the car on Monday. … read more
INFOLAWYER
INFOLAWYER
Attorney
Doctoral Degree
20,727 satisfied customers
Loan depot messed up refinance loan was told loan was
loan depot messed up refinance loan was told loan was approved closure statement was signed closing date was set lady called got direction to home to sign papers loan officer told me to cancel payment… read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,687 satisfied customers
Lost title owener died how do I get and transfer title.
lost title owener died how do I get and transfer title … read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,687 satisfied customers
I have a title loan from Alabama. I have since moved to
I have a title loan from Alabama. I have since moved to Michigan. The vehicle is broken down and I cannot afford to pay off the loan and get the vehicle fixed. i have told the loan company they can ha… read more
Lori
Lori
Juris Doctor
1,062 satisfied customers
Both names on loans and titles of vehicles. Divorce decree
Both names on loans and titles of vehicles. Divorce decree states I got one car and loan, he got other. I can not afford car and wanted it repoed. Exhusband took car. Wants me to sign off on title but… read more
Nisha Jones, Esq.
Nisha Jones, Esq.
Juris Doctorate
2,596 satisfied customers
I currently have a personal loan (title is held not
I currently have a personal loan (title is held not registered with state) that is "defaulted" I'm not really sure of the status as the loan originator passed away and the loan is with his estate. My … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
10,118 satisfied customers
I took out a loan with a title loan company, I defaulted and
I took out a loan with a title loan company, I defaulted and they took my car. Legally what are my rights. Can I pay off the loan and get my car back. The loan was for $3,000 and the car is worth $30k… read more
Lori
Lori
Juris Doctor
1,062 satisfied customers
I had a loan with title max, paid it off, got my title back
I had a loan with title max, paid it off, got my title back and the repo guy showed up and towed my car. It was an error on title max's part. My wife was super mad thinking I lied to her that I didn't… read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,820 satisfied customers
I took out a loan and used my truck title as security, Last
I took out a loan and used my truck title as security, Last night my truck was totaled, am I still responsible for the loan? I cannot salvage the vehicle as it is not mine to sell. Is it their respons… read more
Bill Attorney
Bill Attorney
law
2,018 satisfied customers
Have a question about debt collection on car title loan. NC
Have a question about debt collection on car title loan … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
10,118 satisfied customers
I helped a friend make payments on her car. A title loan. I
I helped a friend make payments on her car. A title loan. I paid over 2500. and paid it off. She was to pay me back after getting a job. She also moved into my home, and helped around the house. Her c… read more
Roger
Roger
Litigation Attorney
Doctoral Degree
26,928 satisfied customers
My vehicles totatled elpaso tx title loans I was e 2months
My vehicles totatled elpaso tx title loans I was e 2months behind made one payment260.00 i only owe 2 more told them id try to pay the 520.oo balance this month dec med problems was i 60mph head on wi… read more
Damien Bosco
Damien Bosco
4,153 satisfied customers
My car was repoed from a title loan pawn I don't have the
My car was repoed from a title loan pawn I don't have the money to pay in full can I get my car back … read more
LegalKnowledge
LegalKnowledge
Juris Doctor
29,349 satisfied customers
Wife took a $3000.00 loan secured with cat title. Lending
Wife took a $3000.00 loan secured with cat title. Lending agency told her that payments would be %360.00 monthly. whrnshe paid her first payment, she was told that she had to renew the note. this note… read more
Gerald, Esq
Gerald, Esq
Juris Doctor
3,820 satisfied customers
I paid off a title loan and purchased the vehicle the title
hi I paid off a title loan and purchased the vehicle the title co released the lien and gave me the title and then went back and applied for a replacement title that has the lien on it because their c… read more
Van
Van
Retired Criminal Court Judge
Juris Doctorate
95 satisfied customers
I recently purchase property title and loan is in friend
i recently purchase property title and loan is in my name My friend office to pay half of the cost . need a contract and will . I have two sons she has a sister and brother I need advice / legal docum… read more
Attyadvisor
Attyadvisor
Doctoral Degree
7,687 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