What can I do to get my monies back I have been garnished for a student loan I signed up for but never used.

I would strongly suggest you contact a consumer protection attorney to discuss this. Most attorneys offer free consultations, and if there are debt...

My student loan was in default and they took my tax return for it.

It sounds like this is a federal student loan. If so, you'll need to request a rehabilitation from your servicer. This will require several months...

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Student loans went into default in 2008, haven't paid since 2007.

Are these federal or private loans? If federal, there is no statute of limitations for collection, but you may be able to rehabilitate them and...

Is it Legal to File Bankruptcy twice?

Yes, you're eligible for another discharge depending on what Chapter you filed under before and how long ago it was. If you obtained a chapter 7...

I have become Disabled - I need help handling creditors, some are calling illegally

Massachusetts actually does have a special rule specifically for disabled persons in this context. Under G.L. c. 224, Sect. 16 (available at...

I'm being sued by National Collegiate trust, can they garnish my wages?

You'll want to review this with a consumer litigation attorney during a free consultation. NCT has a history of problems in proving ownership, but...

I would need to know a few more facts, but you may have a defense for this lawsuit, as entities like NCT sometimes have difficulty proving that...

How do I go about finding out for sure if my mortgage has been reaffirmed since my bankruptcy?

I agree with Attorney Berkus. In order to reaffirm, a reaffirmation agreement must be filed with the bankruptcy court. If there isn't one on the...

How long do I have to wait to get new loan approval after HAMP I have been current with no lates for two years

It's unclear exactly what your asking. It seems like you may be asking whether you can get approved for a refinance at this point, or if you can...

Advice in suing a collection company

While I would need to know a few more details, it certainly sounds like you may have several potential claims for improper debt collection...