American Express is requiring me to pay a much large amount than previously agreed.

There is not much you can do. If you have another credit card with available balance, you may be able to transfer the $3200 at a low promotional...

How to get rid of my delinquent credit card account?

It depends at what stage of litigation you entered into your payment agreement. Since you were sued and did not submit an answer, we do not know...

Hello. I am looking to vacate a Judgment against me after paying off and receiving a satisfaction and release from creditor.

As part of a settlement, sometimes a creditor will stipulate to vacate the judgment. This would happen upon receipt of the full settlement (the...

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...