On a settlement how do I bargain would it be on the original note or balance being sewed for?

You should really take both numbers in to account although you can likely settle for even less than the amount you originally owed. I would...

Do I need a lawyer if I have been served with court paperwork for unpaid medical bills?

Hiring an Attorney will bring some leverage to your side of the table along with some negotiation skill hopefully. It will also potentially buy...

I am being sued over a credit card that I had neglected while in college. Besides bankruptcy, what are my options?

I completely agree with my colleague above. Unifund is a low-end debt buyer and it is very likely that you have a great case against them if...

LHDR- Legal helpers debt resolution LLc is bankrupt??? I have 3 not settled accounts one has a judgement against me. Would like

This happens quite often with companies of this nature. I would highly recommend hiring an attorney to help you with the capital one case. ...

Bank is asking for all my information before they will negotiate a settlement before the trial.

It is fairly common for creditors to ask for financials to make sure that you are not getting one over on them. Be careful though, if you are...

Can a collection agency called to pay or they will sue?

You should retain an attorney immediately as their threats to sue you may violate your rights under the FDCPA. The attorney will also likely be...

I'm at work and a debt collector has called my home 10 times in the past 2 hours. Is that legal?

My recommendation would be to contact a consumer protection attorney in your area that deals with and understand the Fair Debt Collection Practices...

Can I file chapter 7 if I'm unemployed and keep my car?

I agree with my colleague, you will likely be able to keep the car as long as you file the reaffirmation agreement since you still have a ton of...

Student loan collection agency offers that I pay 50% of current amount. Is it a good deal to take to settle?

Keep in mind that you may receive a 1099C at the end of the year from this agency and may have to pay taxes on the amount you save as this amount...

The settlement amount is really based on many factors including whether Harvest is a debt buyer or an original creditor, whether you have financial...