Can a credit card company or their attorney refuse to take payments monthly because they want more? 2 have become Civil Suits

A creditor does not have to extend any particular settlement offers, nor does it have to offer monthly payments. You would benefit from a...

Debts do not disappear after the SOL and reporting limits elapse. Amex can continue collections and can resell the debt. They can also deny...

Should I contact the attorney representing the private credit or get an attorney? If I should get an attorney, then what kind?

You can call the creditors attorney to see if they are willing to work within your means. Explain to them your hardship. They are not required to...

Don't settle without having a letter from the collection agency. You are entitled to documentation under the Fair Debt Collection Practices Act. If...

Is a car insurance company and its in-house adjuster subject to Texas and/or federal debt collection laws?

Only "debt collectors" are subject to the Federal Fair Debt Collection Practices Act. Original creditors and their in-house collection departments...

What can I do about a Debt Collector that calls my boss at work and threatens to come pick me up and take me to jail.

A debt collector cannot call your workplace if you put them on notice that your employer policy prohibits such calls. I am uncertain that your...

Paid off student loan, and they are still garnishing wages. How do I get them to stop taking money?

If your student loans are paid off, then the garnishments should have stopped. It is important that you are aware of all your loans. You might have...

Filling out an application on someone else's behalf, with their full knowledge and authorization, does not sound much like fraudulent intent on...

If you re-write the terms of a credit solicitation and return it, and the company issues a card, are the new terms binding?

It is very unlikely that the amended terms will be binding.

Can they garnish my wages for an unpaid payday loan?

I have heard outright scams that sounds very similar to the conversation you had with the so called "investigator". How do you know that your even...