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.

What is best way respond to credit card debt summons?

If you've been served with a summons, then you need to file an answer in order to protect yourself from a default judgment. Once the answer is...

How can i start making payment on a student loan

You should have the letter reviewed by a consumer lawyer familiar with the Fair Debt Collection Practices Act (FDCPA). If the letter says that a...

What will really happen if I don’t pay my credit card debt?

There are numerous consequences that could result from non-payment of credit cards. I suggest you try not to find out the hard way. If you're...

Do I, generate this type of credit card harassment letter, Is there a template I should use? I have searched the website?

Sending letters will not absolve you of the debts. You should consult with a bankruptcy attorney to determine whether you are eligible to discharge...