Texas vs. Florida: What to Do When Debt Collectors Attack [Midland, Portfolio, LVNV, Cache LLC]

[@RWlawFL]

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[@TheRonnierate]

Good to hear about Texas for a change. Bill Clanton should start making videos specific to Texas. I hope he does!

[@RWlawFL]

Bill has a whole KZbin channel about debt collection and practices in Texas. Check the video description for links and contact info.

[@anniematthew2608]

Thank you for the information presented here. I recently started seeing letters from lawyers in my mail, opened one & realized I'm being sued by portfolio, the letter states 9/15, I went to the courthouse to see if this was true, the clerk printed out the lawsuit papers against me. I was stunned. I haven't been served any papers. I'm researching how to handle this. I've had so much stress this year, dog death, my mom passed in May, no job, I'm depressed enough, didn't need any additional squeeze on me. 🥺😢

[@RWlawFL]

What state are you in?

[@Krysandthefab5]

Thank you for this! I am in Houston area and I have been following all of your content. This is amazing! You have really helped me with my situation!

[@RWlawFL]

Glad it was helpful!

[@katheryn7318]

Great information. I am in Anderson county, TN. I am fending off Home Depot/Citi. My situation is a bit unusual and citi has not sued me yet but not only have violated many aspects of debt collection law but have defended a home remodel contractor that destroyed my house while also making purchases on my home depot card without my knowledge. Citi's investigator said that this was just a contractor billing problem. Both are covering HD''s behind as I believe, and told the CEO of HD my suspicion. The proof is I froze the card when I caught on and was issued a new card. Not only have I never used the new card, I never even activated the card. This protection adhesive strip is still on the card. However, over $2,000 is due on the unactivated card? I am a single senior. I had excellent credit which they have tanked even before the investigation was complete. I feel like I have slipped into an alternate reality. Do you or someone know an attorney in my area? I have been unable to find one. Thanks.

[@RWlawFL]

For Tennessee cases, try consumer lawyer John Watts. Even though he's in Alabama, he may be able to help.

[@BigRigJeffro]

Awesome I’m gonna call Bill. I live in Texas.

[@RWlawFL]

Great! Good luck.

[@bossladymoneyshaw4974]

Can a debt buyer change a acct they bought to open acct on my credit report. It was closed and now it showing opened. Then i have a letter showing 2 different amounts one from them and from there lawyer. Waiting on court hearing.

[@RWlawFL]

If you have a court hearing, it's a mistake to focus on your credit report. Deal with the court hearing by getting a lawyer, then you can attack the credit reporting. Priorities matter.

[@marissaortiz3455]

So say I have a Hospital bill from Florida back in 2018, I currently live in Illinois; however; the collection agency is from Texas. Who's statute of limitations do I follow? Florida is 5yrs, Illinois is 7yrs

[@RWlawFL]

If they tried to sue you in Florida, the shorter would apply. I can't say whether Illinois would apply the longer or shorter limit because that's a question of Illinois law.

[@Zuddybuddy]

Great job guys! 👍😁

[@RWlawFL]

Thank you!

[@marryingabroad9387]

How long is that judgment good for? I'm in Florida. Capital One and household finance sued me over 20 years ago, I didn't show up. They got a judgment but I never had to pay nothing they never did anything to me after that.

[@RWlawFL]

Judgements are good for 20 years and renewable for another 20.

[@ConsumerParalegal]

Listen to Alabama Consumer Protection Lawyer. He has decades of experience suing the debt collectors. You’d be surprised at the violations and damages you can get.

[@RWlawFL]

John is a great guy and a personal friend. We’re talking about doing one of these with him as well. Like John, we also examine our files to see what kind of violations exist and what kind of damages we can recover for our clients. Thanks for watching!

[@lbizzy77]

Thanks for the video

[@RWlawFL]

Our pleasure!

[@miltchamberlain6218]

Who do you recommend for GA? [Credit card debt collection]

[@RWlawFL]

Steve Koval in Atlanta.

[@miltchamberlain6218]

@@RWlawFL thank u!! 👍🏾

[@robertwhite9898]

Good information!

[@RWlawFL]

Glad it was helpful!

[@julzee111]

Can u help post judgement? I am very confused by the fact that the attorney requested interrogatories and again this is post judgment. I filled out the interrogatories and returned them prior to the deadline, I was able to see that there was a hearing schedule and then come to find out that the judge just went ahead and appointed a receiver without even giving me a chance to present my circumstances, etc.

[@RWlawFL]

What state are you in?

[@Tainiabellydance]

I once got letters that listed like 5 cerdit companies list. Saying I owned from one them.

[@RWlawFL]

That's incredible.

[@ezmima1175]

I’m being sued by midland and I live in hays county (Texas) when I was served papers I saw it’s in the wrong precinct. What do I do and how do I respond to this?

[@RWlawFL]

Call Bill right away if you haven’t already. Seriously!

[@RWlawFL]

Call Bill right away if you haven’t already. Seriously!

[@theonerealelvis7823]

What was the final outcome?

[@paulpowers1698]

Let me start by saying thank you for your great advice and time spent making these great videos now for my question how do I go about removing a bed report on my credit score that I have had no business with

[@RWlawFL]

You have a right to dispute anything on your credit report that’s inaccurate.

[@julzee111]

What can I do if I completed the interrogatories on time and submitted them to the attorney but then found out my hearing had been canceled and then my bank account frozen. Am I not entitled to a hearing?

[@RWlawFL]

It varies state by state.

[@scotttucker2557]

Mr clanton i just contacted your office after seeing your responce here andvin your channel telling me to contact you

[@RWlawFL]

Bill probably won't see this comment.

[@audreymay9378]

Hi Mike Do consumers in Florida have to pay filing fees when responding to a debt collector lawsuit in form of a hearing or filing an answer? If so, is it a state wide requirement?

[@RWlawFL]

No fees for defendants.

[@jacquelinemanzano9328]

Personally, I am preferable to US District Court, as most consumer law falls within the ambit of federal statute and code. Almost no court appearances. all communications between plaintiff's and defendants can be done via email and telephone and US mail. The beauty of Federal court is that you are timely notified of every doc filed in the case by US mail and its easy to set up a pacer account to keep track of your case online, because you can check the docket report and there are no surprises.

[@RWlawFL]

Federal courts are also much more favorable for defendants.

[@cassieeden626]

What if I’m being sued in El Paso, TX but I live in Charlotte, NC? I only know of this is because it was mailed to my moms house.

[@RWlawFL]

Getting sued in the wrong state is a violation, but if they don’t know where you are now, it may not make tactical sense to clued them in. Yes, however, the amount of the debt is small, then pursuing a claim under the FDCPA. It was probably going to be enough to wipe it out. You’ll need to find a lawyer in North Carolina and in Texas to let you know what you should do next in each of those states.

[@francisharper9882]

If my account has been frozen can you do anything at this point?

[@RWlawFL]

If you're in Florida, let's talk. Give us a call.

[@JuliaRtv50]

Do you have any one to recommend in upstate NY? Please?

[@RWlawFL]

What specific problem are you trying to solve?

[@exoticnsx]

So much knowledge here, I have been sued in GA where i live on a 2nd mortgage loan by a loan servicer from Colorado with a lawfirm that they are working with in Florida ,i am trying to settle with them but they are difficult ( is a bit over $20k)

[@RWlawFL]

I hope the information in the video helps you get a good settlement.

[@ega0117]

What is the statute of limitations in Texas?

[@RWlawFL]

That's a great question to ask Bill. Have you reached out to him?

[@audreymay9378]

4 years

[@MakeUpChic562]

@@audreymay9378 that's what I heard as well but I've been getting mixed reviews on when the time starts when creditors start the clock on that situation.

[@RWlawFL]

Generally speaking ,the four years starts from the date of non-payment (at least in Florida) but every state has different laws. Check with a lawyer in your state to be sure.

[@TariqLawPC]

Helpful info!

[@RWlawFL]

Thank you! What state are you in?

[@TariqLawPC]

@@RWlawFL New York

[@rhondar828]

It is happening! Working on fixing my credit and trying to resolve one thing at a time within the last 2 weeks and suddenly I have received strange phone messages threatening legal document service and robotic voice messages, etc. 😡 Trying to get things done rightly and they come out of the wood work I guess

[@RWlawFL]

Those are probably scam calls, and probably just a coincidence. If they're not sending you mail, they're probably just garden-variety crooks.

[@maria.chavez3147]

Can debt collectors put a lean on my property? They acquired my HOA debt and added insane fees. My original debt was $200 and now wasn’t $900.

[@RWlawFL]

In Florida, HOA's have enormous power-and can lien property easily. Some lawyers specialize in fighting them, but it can be expensive. Usually it just digs the hole deeper.

[@michellebrown6053]

I filed the answer, now I have to go to court. What do I need now?

[@RWlawFL]

You can either wing it, or get help. What state are you in?

[@theapostlethomaspaulthetwin]

Hello im Thomas B. Do you suggest in joliet ill.

[@RWlawFL]

Try Hyslip Legal in Chicago.

[@jorgenoriega6171]

Hello, do you have contact info for bill? I’m in Texas .

[@RWlawFL]

It's in the video description.

[@ExKUKicker]

Can you recommend a similar law firm on credit card debt in the Wichita, Kansas area? Thank You...Great Channel!

[@RWlawFL]

For Kansas and Missouri, we recommend Bryce Bell: bell-law-kc.com/

[@27bobbyrix]

Got served in Florida on Oct.8 2021. My court date is on Dec 14, 2021. But in Florida you have 20 days to answer. Will i lose my case if i dont have answer in 20 days?

[@RWlawFL]

You definitely could! It’s actually very likely and if the amounts in question are that high you should DEFINITELY call us today. 352-567-3273.

[@angelabeck5572]

I received a writ of revival what is that

[@RWlawFL]

What state are you in? Florida doesn’t have a writ like that.

[@kathleenhuff3059]

Do you have a connection in Kentucky??

[@RWlawFL]

Not at the moment.

[@samuelortiz3880]

Any contacts in CA?

[@RWlawFL]

In California, call Mike Cardoza www.cardozalawcorp.com/ or Jay Rahimi: www.jrahimilaw.com/

[@ConsumerParalegal]

You should really consult with John Watts the Alabama Consumer Protection lawyer. He has great you tube videos. He talks like you can get so much more by their violations with punitive etc. more like up to 6 figures 😊😊😊

[@RWlawFL]

John is great, and we are definitely trying to set up a collaboration with him as well.

[@prettynpink1221]

I just got served from Midland. I’ve been reading they don’t usually buy documentation, just names and amounts, but what if the citation includes a couple of credit card statements? I’m in South Texas.

[@RWlawFL]

Call Bill first thing this morning. He’ll tell you exactly what he’s going to do to attack this.

[@prettynpink1221]

@@RWlawFL thank you I will!

[@RWlawFL]

In Florida, they don't need contracts or more than one statement to prove an "account statement" claim. This is something that a LOT of people get wrong, and it's why junk debt buyers never sue for breach of contract. But even "account stated" claims have defenses. If you know what these are AND know how to raise them, you can beat these debt collectors like Neil Peart attacked a drum kit.

[@juliosarmiento6703]

What ended up happening after you got served?

[@theonerealelvis7823]

@@prettynpink1221 what was your outcome?

[@CynthiaMaus]

Credit cards are not secured debts!

[@RWlawFL]

Correct, but you can still get sued for them.

[@jacquelinemanzano9328]

I have yet to find a debt collector who didn't violate the law!

[@RWlawFL]

What is your role in fighting debt collection?

[@ecgodsmack86]

San Antonio

[@RWlawFL]

Bill is right there for you.

[@pauld.436]

What is Bills phone number in your video?

[@RWlawFL]

We put it in the description above, and here it is again: 📞 TEXAS: to get in touch with Texas lawyer Bill Clanton, call: [phone]

[@cesar1804]

I got a personal loan through FREEDOM FINANCIAL which 2 months later changed name to Achieve personal loan. However, the personal loan was originated by Cross River Bank. I got a letter from Axion Acquisition Ventures on July 3,2023. I responded by phone and requested more info. The rep kept offering deals from the beginning. Nothing was done i had to go . 2 days later call back ,I asked for the same rep, however, the second rep wanted my personal info including SSN. I ended up talking with the first rep i spoke before and requested a Validation letter .The rep kept telling me that it was going to take 15 days or 20 days. Then He said they might not be the owner of the account by then . He wanted me to take advantage of the deals. Also the account/debt was sold prior to another collection company i never heard of .It seems to me they may sell this account again . The question is why. What are the chances to be sued by whoever collection company ends up buyind this account, Also The letter shows the name Freedom Financial but mi credit report show Achieve personal loans. The balances are different as well.

[@RWlawFL]

Sounds like you're on the right track. Watch our Debt Collection Battle Plan video to see what you should do next.

[@leilabela8397]

Help I'm in Texas and just got second motion for summary disposition after I got thru first sj afraid won't get my jury trial judge is very mean too

[@RWlawFL]

Call Bill!

[@leilabela8397]

@@RWlawFL bill who? What's the number?

[@RWlawFL]

Bill Clanton. The guy in the video. His number is in the description.