Monday, March 20, 2006

Case of the Week: 3/20/06

County: Wood
Age: 87

Our client contacted us after she received a statement in the mail from Capital One with charges for privacy protection. She recalls having been solicited by Capital One via telephone. My client is elderly and hard of hearing. She never wanted the card, but she was signed up anyway with privacy protection after the initial solicitation. I sent a letter disputing the charges and requesting her account be closed since she never authorized the card in the first place. My client received confirmation that her balance with Capital One is now zero and the account has been closed.

Monday, March 13, 2006

Case of the Week: 3/10/06

County: Taylor
Age: 74

Our client received a letter from a collector regarding her student loan from 20 years ago. My client had limited information regarding the loan. I contacted the collection company and learned that the loan is federally insured. I explained to our client that although her Social Security benefits may be garnished, she can exempt up to $750 per month from garnishment. Since my client receives $700 per month, she can exempt the entire amount.