What constitutes debt collection fraud?

I agree with Mr. Lampert but you should also know that they may be violating the FDCA, and you should speak with a Flaorida Consumer Fraud Attorney.

My mortgage is severely upside down. I owe my home owners association over 8K. I have been in a Chapter 13 since January 2008.

Clearly you are on a 60 month plan in your BK. You should talk with your counsel, but yes you could surrender the property and vacate same. THere...

If a teacher enrolled in the TPAF is to be charged with conduct unbecoming can the school district block his retirement?

Please see the following: http://www.nj.gov/treasury/pensions

You would need to check the school policy on absence becuase if a child is out a certain amount of time, the school can possibly hold the child...

Personal sale of an item, invoiced through a business, now business is bankrupt, does this negate the personal sale .

The filing of the bankruptcy activates the automatic stay provision of 11 USC 362, which causes any and all actions against the Debtor to stop. If...

Can a debt collector for a payday loan have a warrant issued for you for a bad check

They would have to refer this matter to the Prosecutor and it would probably be for kiting or passing a bad check.

Divorced x many years. X recently died. Filed bankruptcy with now spouse & found I am still on deed of house with x..

I would amend the Bankruptcy Petition and notify the Trustee. Als, first and foremost, contact your bankruptcy counsel so they can prepare the...

Can I My PO violate me for not starting my community service and not paying my fines when I have 4 months left on probation.

What you should do, is contact your PO and explain everything you have stated here. You probably have time to get the fine money together and...

Can I ask the Judge for a dismissal of this case or what recourse do I have

First, you should have counsel. Second, you are able to request that the Court force her to file and submit the CIS. If she fails to, then the...

What should a written response consist of for a foreclosure summons?

You will need to either "admit" or "deny" each and every allegation in the Complaint. You will need to assert any and all affirmative defenses. ...