Question: Am I responsible for my mother’s debt after she passed away?   When my mother passed away the home she lived in ended up being taken by the bank. She had no will, no money. I recently received a letter stating that I owed a huge sum of money on her house even though I… Read More


Question: Can bank leave paperwork at my mother’s house if I do not live there?   I am being sued for a banking debt. The paperwork was delivered to my mother’s home. She tried not t o accept it since I don’t live there. They just left the paperwork on her porch. I actually have no… Read More


Question:  What can I do if I just got a call from a processing legal rep call me at work and said I could face criminal charges if I don’t pay $400 today? A bad check processing person called me at work to tell me I will face criminal charges if I don’t pay $400… Read More


Question: If I can’t afford to pay my jeep payments, and would like to return it as a voluntary repo, would they still make me pay it either way? Answer:   Yes.  They will sell it at an auction for much less than its real value, then sue you for the deficiency.   My suggestion would be… Read More


Questionl: My daughter’s bank placed a freeze on her account due to a collection judgement. They are holding $950. All of the money she has. Is this legal? Answer:  If the source of the income is social security or pension benefits, it should not be frozen.  Regardless of the source of the income, in Illinois,… Read More


Question: What is my option if the agency wants to take me to the court or pay $250 to settle out of court because they told that I had a check bounce in 2008?   Received a call from a collection agency that said I had a $25 check bounce in 2008.  I never got any… Read More


Question: Am I responsible for my mother’s debt after she passed away?   When my mother passed away the home, she lived in ended up being taken by the bank. She had no will, no money. I recently received a letter stating that I owed a huge sum of money on her house even though I… Read More


Question: If you have talked to a lawyer to repay a debt but nothing was agreed upon, does the statute of limitations restart?   I received a letter from a lawyer for a credit card debt more than six and a half years old. I wanted to make payments but they said they would get back… Read More


Question: : I am currently being sued by a debt buyer that purchased a debt from  a bank. I over drafted my account by $7.00 and now my bill has ballooned into a $1042.00 charge. Do I have any recourse/protection, or am I stuck paying $1035.00 extra? Are these loansharking techniques still legal? Answer:    There… Read More


Question: We are letting our atv go to repo, we are wondering if they can come back on us for what is owed?    The atv was purchased with a credit card through the company that makes it. We have never had a late payment and we called to volunteer the atv back to the that… Read More