You may be able to file for bankruptcy to eliminate the car repo fees and the balance on the car note. If you have other debts, such as loans and...

Generally speaking, collections can be reported for up to 7 years from the date of default. Statute of limitations applies to the time to bring a...

Call your county's bar association and ask them if they have a referral to a pro-bono or low cost bankruptcy attorney. If so, the attorney may...

Send a dispute letter directly to the collection agency, and also dispute the debt with each of the bureaus reporting the information. Dispute...

To invoke your rights as a victim of identity theft, follow the instructions on identitytheft.gov and inform the court of your defense by filing an...

I agree with Attorney Adkins, the credit issuer is likely within their right to reduce the credit limit at their own discretion. Similarly, most...

Signing an agreement under pressure is not optimal and may be cause for concern. As with any agreement, you should take as much time as you need to...

Having the debt sent to a collector doesn't put you in a better position. You should submit a written dispute letter to the dentist explaining that...

If the debt was discharged in bankruptcy, then the debt is not "owed" and is uncollectable. However, that doesn't bar you from paying voluntarily,...

I agree with Attorney Luisi. Furthermore, you can call the collectors, explain that you were verbally released from the lease early, but that...