Is Service Financial Co. Suing You?

                If you have been sued by Service Financial Co. do not despair. There is hope and light at the end of the tunnel. I have a powerful flashlight, and I know the way through.             In order to succeed in its lawsuit against you, Service Financial must prove that, after repossessing your vehicle, it […]

Have you been Sued by Mariner Finance, LLC?

If you’re here, it’s mostly likely because Mariner Finance sued you. We may be able to help. We’ll evaluate your case at no cost to you. Specifically, we will look for counterclaims you may have against Mariner Finance for violations of the Kentucky Consumer Protection Act (“KCPA”), the Federal Truth in Lending Act (“TILA”), and […]

An Unconstitutional Statute that Refuses to Die

In Kentucky, husbands are legally responsible for their wives’ medical debts, but not the other way around. Please help me change that.             KRS 404.040 provides: The husband shall not be liable for any debt or responsibility of the wife contracted or incurred before or after marriage, except to the amount or value of the […]

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 […]

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 […]

New News (to me anyway)

Here are some recent stories I found interesting that intersect with practice: ID Theft is on the Rise The FTC received 490,000 Identity Theft complaints in 2015. This represents a “47 percent increase over the prior year, and the Department of Justice estimates that 17.6 million Americans were victims of identity theft in 2014.” College […]

Has Unifund Garnished you? We can help you fight back.

Has Unifund CCR Partners or First Resolution Investment Corporation (“FRIC”)[1] garnished your wages or bank account? If so, chances are very good that Unifund 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. Unifund […]

Are Judgments or Tax Liens Hurting your Credit Score?

Judgments and tax liens on your credit report are some of the worst negative items on your credit report. “It’s estimated that each judgment and collection account entry can reduce a FICO score from 15 to 40 points. The severest detrimental effects come from entries that involve public records, such as judgments, and information from […]

PRA Garnishing your pay or your bank account?

Has Portfolio Recovery Associates, LLC (“PRA”) garnished your wages or bank account? If so, chances are very good that PRA 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. PRA is the second biggest, […]

LVNV Funding, LLC Garnishing your pay or your bank account?

Has LVNV Funding, LLC garnished your wages or bank account? If so, chances are very good that LVNV Funding 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 is a third-party “debt […]

Midland Funding Garnishing your Pay or Bank Account?

Has Midland Funding, LLC garnished your wages or bank account? If so, chances are very good that Midland 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. Midland Funding, LLC is a […]

Free Credit Report Review

We help fix credit report errors. We are not a credit repair agency. Rather, our free credit report review is designed to locate actual errors on your credit report and to offer proven solutions as to how to correct these errors. In particular, with your help, we review credit reports for errors resulting from: ID […]

Tips for Increasing your Credit Score

These tips for increasing your credit score are provided for information purposes only and is not intended to be legal advice. Why your Credit Score is Important Your credit scores determine whether you can finance a car or a house, get an apartment and possibly whether you will be hired for your next job. If you […]