Question: If a law firm has a judgment against you, but you never received the summons to go to court, Can you do anything?   Answer:  A judgment entered without service is void and subject to attack at any time, and you may have grounds to move to vacate it.  Go to the clerk’s office… Read More


Question: I had a door to door salesman come through offering to install insulation and pushing both a special and several hundred dollars in rebates. He presented a contract that I signed with the understanding I could cancel service right up until installation. He did not leave a copy of the contract and stated that… 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


Question: Can I be charged with check fraud?   A collection agency keeps harassing me on a debt that I started paying them. They keep changing the payoff amount and they won’t send me paper work in writing for my records so I quit paying them until I get proof that they are who they say… Read More


Question: If I have a judgment placed against me can they seize my personal bank accounts? Answer:  Yes, subject to applicable exemptions, which include the $4,000 “wildcard” exemption, which you must claim, and exemptions based on the source of the funds, such as social security and disability payments, which a bank is obligated to identify… Read More


Far too often, people don’t realize that they have a credit problem until something goes wrong. They may get the first inkling of trouble when they are denied a loan for an important purchase or start receiving collection notices for unfamiliar debts. By then, unfortunately, the damage has already been done – and it can… Read More