Debt Collection FAQs
Is a Power of Attorney Responsible for Debt After Death?
No — having power of attorney does not make you responsible for the principal's debt when they die unless other legal ties obligate you.
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Debt Collection FAQs
Can a Debt Collector Freeze Your Bank Account?
Debt collectors can freeze your bank account after winning a court judgment. To unfreeze it, vacate the judgment, satisfy the debt, or file for bankruptcy.
Debt Collection FAQs
How Many Times Can a Judgment Be Renewed in North Carolina?
In North Carolina, a judgment can be renewed once, extending its enforceability for an additional 10 years beyond the original 10-year period.
Debt Collection FAQs
What Is T-Mobile's Phone Number for Debt Collection?
T-Mobile's phone number for debt collection is 1-855-647-6443 where you can call and pay your bill through T-Life.
Debt Collection FAQs
What Happens After a Motion for Default Is Filed?
After a Motion for Default is filed, the court can enter a default judgment within days. File a Motion to Set Aside immediately with a valid excuse.
Debt Collection FAQs
Do I Need a Debt Negotiator?
No, you don't need a debt negotiator to settle your debt, but hiring one offers expertise, budgeting help, and stronger leverage for a better settlement.
Debt Collection FAQs
Should You Contact Debt Collectors by Phone or in Writing?
Always communicate with debt collectors in writing. It evens the playing field, creates a paper trail, and protects you from tricky verbal tactics or reversals.
Debt Collection FAQs
Can Debt Collectors Call From Local Numbers?
Debt collectors can use local phone numbers, but the FDCPA bars them from misrepresenting their identity. Don't answer unknown calls; demand validation.
Debt Collection FAQs
How Long Does a Judgment Last?
A judgment lasts anywhere from 5-20 years, depending on state law. In most states, a judgment lasts for about 10 years, but it can always be renewed.
Debt Collection FAQs
Can Debt Collectors Call You at Work in Texas?
Yes, debt collectors can call you at work in Texas. However, if they know that your employer prohibits these calls, they must stop.
Debt Collection FAQs
Does Debt Consolidation Have Risks?
Yes, debt consolidation has risks: you might pay more in interest, face harsher penalties for missed payments, or rack up new debt on freed-up credit lines.
Debt Collection FAQs
How Many Times Can a Judgment be Renewed in Oklahoma?
A judgment can be renewed in Oklahoma indefinitely, but the renewal must happen once every five years, otherwise it is past the statute of limitations.