Entries by Hays Lawson

Kentucky Garnishment Laws are Unfair and Outdated

Kentucky Garnishment Laws are Unfair and Outdated. Workers Deserve Better Protection In Kentucky, the only protection for debtors from garnishments is the minimum required by federal law, which limits the amount garnished to 25% of the debtor’s disposable income. There is no protection for bank accounts, including wages deposited in bank accounts. Kentucky gets an […]

Bankruptcy Filing Rate Triples for Senior Citizens

The rate at which Americans age 65 and older are filing for bankruptcy has more than tripled since 1991 according to a new study: “Graying of U.S. Bankruptcy: Fallout from Life in a Risk Society.” The study finds that between 2013 and 2016, the average rate at which 65- to 74-year-old Americans filed for bankruptcy increased to […]

Lexington Judge Says NO to UK HealthCare using the KY Dept. of Revenue as its Debt Collector

Since 2006, the UK HealthCare has been using the Kentucky Department of Revenue as its collection arm. This cozy relationship empowered UK HealthCare to garnish bank accounts, wages, and tax refunds without any judicial oversight. This essentially practice essentially strips the consumer of all due process rights. In addition to the recovery of debts, the […]

Garnishment and Bankruptcy

In Kentucky, filing for bankruptcy is the surest, and often, the only way to stop a wage or bank garnishment. Kentucky offers no protection for consumers being garnished. The only limitation on a creditor’s ability to garnish your wages is the 25% cap mandated by federal law. Unlike other states, Kentucky provides no additional checks […]

Who is PSI Louisville, Inc.?

PSI Louisville, Inc. is a true zombie debt collector. PSI died on October 1, 2016 but continues to appear on consumer credit reports. PSI filed for Chapter 7 Bankruptcy relief on May 15, 2015 in Case No. 15-31649-jal. The Bankruptcy Court entered a final order and decree in the case on November 18, 2015, which […]

Don’t Let ID Thieves Steal your Tax Refund

According to a report from CNBC, tax-refund theft is expected to “hit a whopping $21 billion.” ID thieves could steal your refund. Cyberscout postulates that “[w]ith more than a billion personal records “out there,” identity theft has become the third certainty in life, right behind death [and taxes].” Tax-refund theft could hit the poor and the […]

Student-Loan FDCPA Collection Case

A Colorado District Court recently denied a debt collector’s motion to dismiss the complaint in Fair Debt Collection Practices Act (“FDCPA”) case concerning the collection of student loans. Breckinridge v. Vargo & Johnson, P.C., 16-CV-1176-WJM-MEH, (D. Colo. Dec. 7, 2016). Even though the Higher Education Act does not create a private cause of action for […]

LVNV Funding Garnishing your Pay or Bank Account?

Has LVNV Funding, LLC garnished your wages or bank account? If so, chances are very good that LVNV has taken money from you that it has no legal right to recover from you. We can help you get that money back in addition to up to $1,000.00 in statutory damages. LVNV Funding, LLC is a third-party debt […]

Turning the Tables on Debt Buyers—Using Arbitration as a Defense to a Collection Lawsuit

Turning the Tables on Debt Buyers— Using Arbitration as a Defense to a Collection Lawsuit Arbitration clauses in consumer contracts are the result of legal evil geniuses’ perversion of the law to defeat consumer rights, to avoid litigation, and to prevent culpable companies from being held liable for damages on a class-wide basis. Courts unfortunately […]