So long as the reporting is accurate and is made within the time proscribed under the Fair Credit Reporting Act, it is likely lawful. If you...

If you signed an authorization allowing them to pull your credit, then it doesn't appear that your rights have been violated under the Fair Credit...

Your interest rate would be dictated by the terms of your agreement with the lender. It's not typical for an interest rate to decrease over time,...

The Answer would require a closer review of your financial situation and the debts. For example, if your income suffices, you may be able to avoid...

If your vehicle was repossessed, whether voluntarily or otherwise, you can be held responsible for the deficiency balance, regardless of whether...

Yes, if your contract with them obligated to make the payments on your behalf, you can sue breach of contract to recover your damages. However, if...

Generally speaking, a creditor (and their agents) are not under any legal duty to negotiate or accept a settlement. Since you're being sued, you...

Yes, they can sue you and if a judgment is obtained, they can attempt to execute the judgment against any unexempt assets. Collecting SSDI benefits...

Generally speaking, yes, if a lawsuit is pending against you, you should respond accordingly and your Answer may include a defense of "accord and...

If you're a victim of identity theft, visit idtheft.gov for instructions on how to remedy the issues. If a judgment was entered against you, you...