I live in the Bronx, NY I had a credit card judgment put against me 13 years ago can they garnish my wages today?

A judgment in New York is valid for 20 years. The fact that it is off of your credit report does not affect the judgment's validity.

I don't know if I should clean about $1000.00 of my credit report before I apply for a first time mortgage.

You will get a better rate with a better credit sore. If you owe money tht was not paid back, a lender may not think you are a good risk. The rte...

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Disputing a debt with a debt collector

You must dispute the debt within a certain amount of time. You are entitled to vwrification of the debt at any time but they can bring suit, too. ...

Am I being scammed or could this be true?

Sounds suspicious. Do not pay and try to get more info from them. Do not divulge any of your information to these people.

A creditor(law office firm)put a restraint on my checking account which was in my name only(husband debt-never went after him

If I understand your question, there is a debt against your husband and the creditor 's law firm collected against an account that was in your name...

You can ask for testimony to be stricken but it is rare. The trier of fact gets to weigh testimony and decide what portion i\f any to believe.

Is my civil service pension safe from creditors if it is direct deposited to an account that I am an authorized user?

The pension itself is safe but deposits from the pension to your bank account may be attached by a creditor. Perhaps you ca negotiate sesttlement...

Shocking as it seems, statutory interest of 9% runs from he date of entry of the judgment. Try to negotiate but the attorney is correct.

How long do banks have to provide proof of owning interest in a mortgage when asked in writing?

I am not clear on what you are asking. However, the Real Estate Settlement Procedure Act gives lenders 30 days ( I think) to acknowledge receipt...

Is a loan modification possible if the borrower passed away and the 2 other owners are only on the deed and mortgage?

I am not eperienced in this area but would have to imagine that the death of the borrower would have some impact on the willingness of a second...