I have a student loan from a private school funded by Sallie Mae; my last payment was in 3/2006... Has it reached SOL?

Statute of limitations for many student loan debts were largely eliminated so they can go after you forever. They do have to obey the FDCPA...

What leverage do I have with outstanding student loan in Germany.

Yes. Will they? Maybe. Pay a bankruptcy attorney to investigate whether filing bankruptcy now will resolve it.

Debt Settlement

The company may have to report the debt forgiveness to the IRS. Whether you have to pay taxes on it as income depends on your circumstances (i..e....

Lawyer won't call me back

It probably was not a lawyer; I suspect it was a collector making calls for a law firm. If the person misled you into thinking they were a lawyer...

My mom died Do I need to pay a credit card debt that my mom owed in her name only? also she had 2 cards see below...

You need to see a local probate attorney. Consider taking out a loan against one of the houses if you need the money to hire one.

Keep in mind the statute of limitations may run from the date of your last payment. So if you pay them $1 today, they may have 6 years from today...

No; your bankruptcy only deals with your debts. And even if divorce decree says you have to pay them all, they can still go after her for her...

I have offered $200 per month on medical bills I have in SD. The collection agency is not accepting my offer. Can they do this

They do not have to make a deal with you. But they cannot harass you and it sounds like that is what they are doing. Suing them for the harassment...

I had an MRI and my insurance wasnt billed. Can a collection company suit me for those charges?

Yes they can probably sue you. But they don't want to; they want to get paid and they know insurance companies have the money to pay. Start...

How much can a payday loan cost me I borrowed $300 dollars in April of 2011 now it's jan of 2014 and they are harassing me

Consider calling the TN Attorney General's office; the loan might have been illegal and unenforceable. Consider talking to a lawyer who handles...