Collection agency state's they may provide copy of judgement. however, I am unaware of any court actions at all.

Yes, a judgment could possibly be entered without you knowing. For example, in situations where the creditor attempts to serve the lawsuit at a...

Under the Fair Debt Collection Practices Act (FDCPA), an account can be disputed either verbally or in writing. Do you have a fax confirmation...

Do I have a good case against them? Sallie Mae does this all the time. Can I take them to court and ask for dismissal of loan.

It appears your issue stems from you ignoring the increase in the payment. By not paying the minimum amount required, Sallie Mae was reporting the...

Can you reverse collection costs that accrued from a Sallie May student loan if it is in default?

Depending on the type of loan, yes. My recommendation is that before you get too concerned about how to possibly reduce the collection costs, you...

How much can a creditor make me pay on a judgement

Yes, they can freeze your bank account, subject to certain exemptions. You would need to submit a claim exemption form to protect exempt funds...

How do I rehabilitate a student loan?

Rehabilitation can be an option to get government-backed student loans out of default, but it is not an available remedy for private loans. As...

Can a debt collector serve someone that is in federal prison?

Yes, inmates can be served with legal process.

How do I settle a credit card debt amount for lower thjan oweed?

Call the creditor or their collectors and make an offer. Creditors are accustomed to discussing arrangements for settlement on defaulted credit...

What is the time limit on credit card debt in California

Generally, a debt doesn't become uncollectable just because it's old. However, the collectors ability to bring legal action in court to recover on...

How to prevent a "sneaky" collection from appearing in my credit report

Call the collection agency. Some medical debt collection agencies don't report to the credit bureaus. A phone call should help provide you with the...