Whether you were entitled to prior notice will depend on the terms of your agreement with the creditor. The agreement would also dictate any...

Yes, there are a number of lawyers in NY that can assist with negotiating settlements on credit card debts. I recommend that you seek a firm that...

I concur with Attorney Bishop. In addition, keep in mind that paying off the debt will not necessarily result in an improvement to your credit...

I agree with Attorney Pont, and furthermore, legitimate collection agencies typically don't correspond via gmail. It is likely a scam and should be...

A creditor isn't generally obligated to extend a payment plan on a defaulted debt. They also aren't required to offer a discount in exchange for a...

I agree with Dorothy Bunce. Every payment you've made would likely serve to restart the statute of limitations, but nonetheless, it appears that...

If you're a victim of identity theft, follow the instructions at www.idtheft.gov. Hopefully that will remedy the issue. Good luck!

Based on the information you've provided, it appears that the bank believes that a balance remains due. Perhaps the amount the insurance paid...

Yes, the debt can still be reported to the credit bureaus. However, if you've disputed the debt, a notation that the debt was disputed should be...

Sorry to hear about the issue. Based on the information you provided, it appears that the creditor is in the right to report a late payment. The...