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    1. M

      Credit card APR - % Will not go down

      What is the name of your state (only U.S. law)? Virginia I currently have a credit card through Washington Mutual (now JP Morgan) that I have had since Feb 2007. In that time, I have been a good customer in good standing. The only blemishes on my account are a late payment in May 2008 (payment...
    2. M

      Driving While Suspended in another state

      What is the name of your state? OH First let me clarify that I am a resident of VA but currently facing charges of driving on a suspended license in the state of OH. I was pulled over for speeding on the 18th of April. The officer had notified me at that time that my license had been suspended...
    3. M

      Help deciphering contact language

      What is the name of your state? Virginia Hello All! I was recently approved for auto financing through capital one. Before possibly signing my life away, I make sure to read ALL that they have to disclose in their agreement. I did notice a paragraph in the agreement that made me a little...
    4. M

      CP planning move to another state

      What is the name of your state? Tennessee I live in Virginia but CP, child, and husband live in Tennessee (where our visitation and parenting agreement was set). CP was granted full custody. It came to my attention that CP is planning move to Indiana as early as December. This others me as it...
    5. M

      Car Title not transferred as agreed after sale

      What is the name of your state? Virginia I sold a totalled car to an auto body repair shop owner (who I thought was reputable) back in 2004. Title was signed by me as the seller and exchanged for cash, all that was needed was for him to complete the buyer portion and turn in to the DMV (which...
    6. M

      Car sold 3yrs ago but title never transferred

      What is the name of your state? Virginia I sold a totalled car to an auto body repair shop owner (who I thought was reputable) back in 2004. Title was signed by me as the seller and exchanged for cash, all that was needed was for him to complete the buyer portion and turn in to the DMV (which...
    7. M

      Looking for template letter to send to CA

      What is the name of your state? VA Was wondering if anybody knew of any specific sites where I could find a reliable template letter to send to a junk debt collection agency that sent me a random letter from an account that is supposedly from 1998 asking for $200. I have no intention of paying...
    8. M

      3rd Party Debt Mediation

      What is the name of your state? Virginia I recently received a letter from American Mediation & Alternative Resolutions regarding a debt that is up for wage garnishment. Out of curiousity I contacted them to see what they are about. For $300, they will contact the debtor and mediate either a...
    9. M

      Random Collection letter received

      What is the name of your state? VA I received a collection letter last week from a collection agency that I had never heard of in Colorado. After calling the collection agency, they told me that I owed $308 stemming from a bank acount that I had opened in 1999 while living in Ohio. Still...
    10. M

      Collection Agency serving judgement summons to random business in area on my behalf

      What is the name of your state? Virginia I currently have a debt collection group that is trying to serve me with a garnishment summons. They have already served me at my home (understandable), but they are going the extra mile and trying to attempt to serve me at my place of employment as...
    11. M

      Question regarding 1099-C

      What is the name of your state? Virginia I recieved a 1099-C cancellation of debt form today and am very confused on it. I did some research and found that if I have recieved this form it is because I am liable for taxes due on the amount cancelled. I did some further research and found that...
    12. M

      Employee Payroll made error in calculating garnishment

      What is the name of your state? Virginia A company placed a garnishment summons against me that was sent to my employer. The payroll department put this into effect and notified me of such (in early November) along with the amount they were going to garnish (25% net income). However, after...
    13. M

      Why are there no tax laws for payers of child support???

      What is the name of your state? VA OK...I've been wondering this for awhile and was curious to know if anybody felt the same way (and possibly start some form of initiative). I curious to know why there are no form of tax breaks for people who are paying child support. I would be happy even if...
    14. M

      Question regarding collection

      What is the name of your state? Virginia I recently (a few months ago) paid off (through settlement) a student loan through a 3rd party collection agency. About a month ago I noticed that the debt is still showing as past due on my credit report. I know it could take up to a year to be updated...
    15. M

      Child Services made a potential costly clerical error

      What is the name of your state? Tennessee I am a NCP currently paying child support through my employer. I recently took a temporary part time job to help with the costs of the holidays. This past weekend I received a note from child services that was forwarded to my part time employer which...
    16. M

      Child Services made a potential costly clerical error

      What is the name of your state? Tennessee I am a NCP currently paying child support through my employer. I recently took a temporary part time job to help with the costs of the holidays. This past weekend I received a note from child services that was forwarded to my part time employer which...
    17. M

      hearing for wage garnishment from 2004 judgement

      What is the name of your state? Virginia I was recently served with papers from a collection company that won a judgement against me in 2004. The amount of the judgement was for $2400. At the time I was unemployed with no incoming income whatsoever. I became gainfully employed in late 2004 and...
    18. M

      Ex trying to move daughter to Indiana

      What is the name of your state? Tennessee and Indiana During my most recent visit, my ex mentioned that she is planning a move to Indiana sometime after christmas so her husband can have a better opportunity at finding stable employment. As much as I would love the idea of my daughter getting...
    19. M

      Questions regarding child's wellbeing

      What is the name of your state? TN I'm full of questions tonight but this one is definitely the most serious. As agreed in my and my ex's parenting agreement, I have parental rights to my daughter (as any father should). These include having access to anything my daughter is involved in...
    20. M

      Child Support Formula

      What is the name of your state? TN Is there anybody out there who is familiar (or could point me in the right direction) with the formula used to calculate child support in the state of Tennessee. I received a notice from the state stating that every 6 months (or a year, not certain) I have...

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