Can Collection Agency Collect for Old Debt?

Question:

I just received a call from a collection agency in reference to an old account with Bank of America. They stated I owe them 856.00 and my address was never updated nor did I respond to any letters. I have received not one letter from any collection agency regarding this matter and I bank with them as of now. They are threatening to sue me and if I would have had a letter I would have made an arrangement due to me being on disability. I spoke with the “mediator” who just refused to listen. I have moved around a lot but my address has always been updated because I’m on disability so again no incormay was sent and now I have to deal with this nonsense and phone calls.

Answer:

If the debt is more than four years, then they cannot sue you. If it is less than four years, you can always negotiate with them if it is a legitimate claim. Let them come after you. It is doubtful that they will sue you. Good luck.

John Fox, Fox Law, P.C.

For more information visit: FoxLawPhilly.com

Can I Sue in Small Claims Court for Loan Repayment?

Question:

I loaned a previous manager $1,000 in early November of 2017. He said I would have it back within a month. I have tried reaching out repeatedly. It was a verbal agreement. I have Facebook messenger references that I sent the money and a few messages asking about it, with no response. I also have my call logs including calls before and after the loan was made. Is this enough information to pursue legal action or do I just have to accept that I made a terrible decision?

Answer:

I think you have enough. You need to file a complaint in small claims court against him. That is Municipal Court. There is about $150 filing fee but you get that back if the judge finds in your favor. You could have an oral contract but it seems like you also have support proving that you loaned the money.  Click here for a link to a video where I explain how to successfully handle your own case in Small Claims Court.  Good luck.

Answered by:  John Fox, Fox Law, P.C.

Contractor Took My Money and Didn’t Finish the Job. What can I do?

My contractor took $7000 in cash. Never provides receipts and now tells me I owe him money and can’t finish the job.

I only have text messages where he admits to have the cash and that he made a mistake , but now he his refusing to finish the job.

Do I have a case? What should I do. It’s my word that I gave him cash and the only prove it’s the withdrawals from my bank account and text messages.

Answer:

I think you definitely have a case against him. You do not need anything in writing. The text messages confirming that he took the money and did not finish the job should be enough. You can file a claim in small claims court for up to $12,000. Click here for a link where I explain how you can handle your own case in Small Claims Court.  Good luck.

Answered by John Fox, Fox Law, P.C.

I Received Unemployment While Employed. What do I do?

Question:

I collected unemployment while i was employed. I had no malicious intent, I just want to make it right. I dont want to lose my job and go to jail

Answer:

You do not say how long you collected it. You should make sure you notify unemployment that you are employed. They should cancel your payments. You may have to refund the payments for the time period you were employed.

Answered by John Fox, Fox Law, P.C.