If you can't afford to pay, then debt settlement and consolidation don't seem to be options that you'd be able to take advantage of. It doesn't pay...

Can I get back some of my garnished tax refund?

If you've been certified for tax offset, you can expect that they will continue take your tax refunds every year until the debt is paid, unless you...

Does a collection agency have the right to refuse me any information that i request from them?

If you want to stop the emails, mark the emails as spam. If you're using an email provider such as gmail, it will put future messages from the same...

How can I get an accurate but derogatory remark from a credit card company regarding an account that was closed?

Based on the information you provided, it appears that your creditor has closed your account and has reported such to the credit bureaus. For them...

You will likely have to compensate them the $4000. Returning the car and paying for "mileage" will probably not be sufficient. You took possession...

Even if you can convince them, it might not be in your best interest to do so. I recommend you consult with a bankruptcy attorney. It sounds like...

I do need to be represented by a lawyer if sued by a collection office?

It's best to have the assistance of a lawyer when facing a lawsuit. However, given the relatively low balance, it might not be financial feasible...

Is legal for a college to send a private loan to ConServe for collection before 270 days of the loan being past due?

Based on the information in your inquiry, I do not see any apparent issues with the loans being sent to ConServe for collections. You can call them...

Can I try to settle after I've already submitted my answer but before the court appearance date?

You can certainly contact the creditor's lawyer and propose a settlement. However, by admitting in the Answer that you owe the debt, your leverage...

Yes, you can send a cease & desist request to stop further communications.