Richard Alderman's archive

Q. Can a debt collector call a person at work? I work as a receptionist for a company that often gets collection calls for an employee who works here. This person is unable to take the calls because he works out in the field. The calls are very harassing because they are often rude and have even resorted to calling me names because of my refusal to take these kinds of messages. What can be done to stop these calls?

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Q. I recently left a store and found a shopping cart up against my car in the parking lot. It obviously had gone quite a distance to get there because it left a scratch. Is the store liable for the damage to my car?

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Q. I had a credit card account that was written off several years ago. I have now received a letter from a debt collector stating that if I don’t pay, I will be sued. How do I owe any money if the account was written-off? Should I just ignore this?

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Q. My boyfriend and I bought a house two years ago. We recently broke up and he kept the house. He has been late on the mortgage payment, and the bank is now calling me. How do I get my name off this loan?

A. The simple answer is that you can’t get your name removed from the loan unless he refinances in his own name or the bank agrees to release you. The fact that you are no longer together is between you and your boyfriend. It does not affect your liability to the bank.

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Q. I remember reading about an organization at the University of Houston Law Center that can help with consumer problems. Can you please give me its name?

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