how do i get an answer to a debt question regarding state law, answered without having to pay a lawyer?

Answer 1

1-800-LAWYERS actually gives free legal advice, this would be a good avenue to try and get answers to your legal questions. Good luck!

Answer 2

quite some undesirable suggestion being thrown round right here. you do not say how a lot the debt is. If it is properly worth going bankrupt, go do it. verify with a financial disaster criminal professional. it isn't any longer the end of the international. however the first actual aspect to do is verify the statute of obstacles on your state. If it has expired, you mustn't even want a criminal professional. enable them sue you, once you answer say "statute of obstacles has run", visit court docket and say a equivalent to the choose. by using ways, this isn't like the kind of years some thing can stay to inform the tale your credit record. The statute of obstacles is as short as 2 or 3 years in some states, or many more effective in others. If the statute of obstacles has no longer run, then both attempt to settle with them, by using threatening financial disaster, or honestly do the bankrupcty.

Answer 3

1) Debts below $50 aren't reported to the three bureaus
2) check your credit report to see if the debt is even recorded by downloading this one page to get the 3 bureaus to mail you a no-obligation credit report (credit reports on line are free with obligations)
3) if its a collection, collection agencies will typically take a fraction of what you owe to settle the debt but make sure you get a settlement offer before sending any money
4) debt collectors can only call you 8-5 and aren't legally allowed to call your cell phone in certain states

Answer 4

Search the web for Fair Debt Credit Reporting Act info for your state or ask the question here.

Answer 5

Here is a link to state laws on debt collection and frequently asked questions about consumer debt:

http://www.bcsalliance.com/y_debt_statelaws.html

Answer 6

Look for a service called prepaid legal. It basically works like health insurance, so you can pay something like 25 bucks per month and have almost unlimited legal advice, so you really aren't even paying the lawyer.

Answer 7

You can look up your states statutes regarding your question.

Go to the site I've listed and you will find links to your states statutes.

Also, try doing a search on the site I've linked, you might(?) find an answer to your question.

Answer 8

You can call the Mass Bar Assc they have lawyers who will answer questions for free.