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James Foley PLLC
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There are at least 2 debt buyers out there filing suits on post repo deficiencies on car notes that are not licensed with the Texas Office of Consumer Credit Commissioner. Know your rights before you sign a check or bury your head in the sand.
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Writing a check to a client as we speak. Client sued by a debt buyer that did not have the requisite licensing to bring the type of suit that it did. Not only has the alleged debt been wiped but the credit report will stay clear of it. This is a far cry from the call I got Wednesday where the lady buried her head in the sand for 8 years and now has a frozen checking account. Call me now, now later!
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First call out of the gate this morning was a PNC with a frozen checking account. She had a judgment that was 8 years old. Yes there is a prohibition on garnishment of wages(which has a number of holes in it). This merely acts to keep a creditor from attaching their judgment with your employer. Once your money is in the bank it is exposed.

For whatever reason the judgment did not show up on either a credit report or in the deed records. She had managed to buy a house without the judgment being detected.

Judgments do not go away. They are good for 10 years and are renewable. If you are sued on a debt issue you need to deal with it at the source or it will deal with you. On top of that it was a post repo deficiency. I am often successful at defending those because they cannot prove they complied with the various provisions of UCC 9.

Call me now. Not later
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Typing out dispute letters to each of the 3 credit reporting bureaus. Obtained a take nothing judgment when client sued by Midland Funding. This allows us to dispute the tradeline and get Midland Funding removed from the credit report.
Can you really afford not to hire me?
When is this last time that you looked at your credit report?
Call me for a FREE consultation.
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Have you been sued by Velocity Investments LLC for the deficiency on a car note after the vehicle has been that has been repossessed or surrendered? If so please call me ASAP.
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Covered a pre trial hearing this morning for a fellow debt defense attornery. Synchrony Bank's attorney failed to show, and their case was dismissed for want of prosecution. Must be present to win!
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Have another dismissal in the works and a very happy client. Every 3rd party debt collector is required by law to have a bond on file with the Texas Secretary of State.
If you are being sued by someone you have never heard of relating to an old debt, please call me immediately for a free consultation.
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Synchrony banked non-suited on the eve of trial. Client happy. About $4500 staying home.
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Have you been denied an apartment lease because of inaccurate information on a credit report? Are you paying too much of a deposit or forced to use a co-signer. Please call now for a free review of your credit.
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