I agree that there is a risk that they may say that you were served which would lead to a default judgment against you. The burden would then be on...

Very often, these debt settlement companies will send you your money back if you request it especially if they have not done much and you end up...

Can I write a judgement proof shows to creditor that my income is complete exempted even I had a judgement entered?

If you show the creditor that your income is exempt and have no assets or property they may be less willing to attempt to pursue you for the debt....

Do I have any defenses and should I get an attorney?

Although I agree with my colleague above, it seems that this debt is quite low, and being that Unifund is a debt buyer, unless you are planning to...

Generally, you should contact an attorney to review whether your assets and or property are fully exempt. Some exempt items such as Social Security...

Me and my wife has a credit card and personal loan of about $10,000.00 how much is the fee for filing it ?

Not sure exactly what you are asking about here as it is a bit vague but the loan can be negotiated and settled with the creditor for a lower...

How do I get out of a car loan that I cant afford?

Surrendering the vehicle would be the equivalent of a car repossession. At that point the creditor would sell the car at auction and then pursue...

Generally, the will sell the car at auction and then pursue you for the difference owed between what is owed and what it was sold for. At that...

How do I best avoid being served a summons by a debt collector when I know the statute of limitations on an old debt has run out

The SOL is a defense that you can only raise if served with a summons and complaint. However you may try and send them a debt validation letter...

How do I settle a judgement?

You can contact opposing counsel directly and submit an offer to settle the debt. You should explain your hardship situation as it should help...