Ask Bill a Debt Question

What are Ohio's collection laws, and what rights do creditors and debtors have in Ohio?

I have debt in Ohio, and I was told that Ohio has consumer protection laws that are not good for people. Exactly what rights do I have?

If my paycheck is garnished, do they have to leave me enough to live on?

I have a wage garnishment that was just levied by the court. My next paycheck will be when the garnishment starts, as my employer received the order on July 20th, 2010. My total earnings weekly, monthly, currently fall below the Federal Law, maximum amounts to be garnished in the state of CA. Is it automatic that the employer can not take any monies from my pay or do I have to file something...
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Can I lower my car payment by refinancing my car loan?

I own a Nissan and my car payments are too high. Is there any way to lower my car payment?

I married someone with significant debt. Do I have liability for the debt?

Is Lloyd Ward & Associates a good firm for debt relief?

I am having a hard time paying my bills. Is Lloyd Ward & Associates a good firm for debt relief? I am thinking that I don't want a scam but need real help getting me through this. I owe about $45,000. I read one of this law firm Lloyd Ward Associates advertisements online, but just don't know.

My credit report says I am dead. How do I correct this wrong information?

I was turned down for a loan because a credit reporting agency says I'm dead. I requested my annual credit reports. Should I freeze credit inquiries and how do I do that?

I am an authorized user on my ex-spouse's credit cards. He is threatening to withhold spousal support because I made charges on his credit cards.

I went through a divorce about 2 1/2 years ago. When my ex-husband and I divorced we still had several credit cards in both of our names. I got him taken off my cards as an authorized user, but he did not remove me off his cards where I was an authorized user. I have been using the cards now and then and he is now upset because they are showing up on his credit report. I tried calling the cr...
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The credit reporting agencies will not correct my address, and it is harming my ability to open an account. What can I do?

I have a couple questions, but first I feel I should explain my situation fully. Today I went to open an account with Verizon Wireless, when they checked my credit, it said there was an error on my report and that I needed to call the credit bureau and sort out the problem. When I did call the credit bureau (TransUnion) they asked me for my current address which I gave them. The part where i...
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I have a large Federal Tax Lien and State Tax Lien on my credit report. What do I do?

Hello Bill! I have two records under Public Records of my credit report. There's a Fed Tax Lien and State Tax Lien. The amounts are for $900,000 on the Fed Tax Lien and $34,000 on the State Tax Lien. What does this mean? Could this be on record even if I don't own property? Is this for the future? Or could this be for someone else's home? Thank you in advance for the clarificatio...
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My spouse bought a boat and now isn't paying for it. What is my liability for this debt?

My spouse signed a loan for a new boat a few years ago and refuses to pay for it. Since we are married am I responsible for this monthly payment. I have been paying it because of my job. There is no co-signer on this loan. Financial issues are a big concern where I work and has the potential for job termination (considered a security risk).