Hottenroth, Garverick, Tilson & Garverick, Co., L.P.A.

Honest And Fair Hometown Attorneys With Decades Of Experience

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DUE TO THE CORONAVIRUS OUTBREAK :

  • We are still working, but our office is not open to the general public. We will be conducting appointments and other business by phone. Call us at 419-468-5044.
  • To drop off papers or payments, please place items in the slot in our back door or call 419-468-5044 to make arrangements.
  • To pick things up, make credit/debit card payments, and conduct other business, call 419-468-5044.
  • We are still receiving our US mail, so you can still send us things.
  • We regret any inconvenience, but everyone’s safety is of utmost importance.

If I borrow money or charge something on a credit card, and then do not pay for it, can the other side pursue me if I have not given some kind of collateral?

Generally, a creditor who does have rights in collateral has a more secure position than a creditor who does not, but the mere fact that a creditor has no collateral does not mean that it cannot pursue a debtor for money loaned or charged. I have had several people ask me questions about this during my practice, and I have been surprised by the level of misunderstanding I have encountered on this subject. If in doubt, debtors should consult counsel concerning their rights and obligations on such things.

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