Generally speaking, historical information such as payment history can appear on credit reports for up to 7 years. Paying off the balance doesn't...

Your letter can inform the collector that the debt is disputed and validation is requested. You can also ask for whatever else you want, but that...

This would be a good question to pose to your liability insurer. Regardless of any disclaimers, if an injury would arise, a claim would likely be...

Generally speaking, a mechanic shouldn't release a vehicle to anyone other than the owner unless the third-party has a power of attorney or other...

There is no prohibition to you submitting a dispute for any credit reporting you believe to be inaccurate. However, unless your state laws, local...

See if your jurisdiction has a small claims court in which you can pursue this matter. If so, you may be able to proceed on your own without hiring...

You can obtain free copies of your credit reports at www.annualcreditreport.com. If you are a victim of identity theft, follow the directions at...

File an Answer to the lawsuit or hire an attorney to represent you before it's too late. They have very little incentive to negotiate especially if...

Sure, you can sue, but it may cost a lot of time and money, and you might not win. Bringing a lawsuit is often considered an option of last resort...

Yes, a creditor can continue to attempt collections despite filing a 1099-C. If they are able to recover any portion of the debt, they may amend...