Student Loans, I can't afford to pay them back, what can I do?

If these are federal student loans, you should see if they qualify for a direct consolidation. If so, apply for the consolidation and then go on...

I was considering filing for bankruptcy but just myself and not my husband. Most of the debt is under myself only.

Filing for bankruptcy may be an option. There is no requirement to file with a spouse, if you file alone, then only your debt will be addressed. It...

If a debt collection wasn't posted before a settlement in the credit report of the debtor, Will they post it after a settlement?

It is unusual for a debt collector to report an account post-settlement if they failed to report it beforehand. One of the biggest reasons for a...

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Can I get emotional distress damages IF debt collectors are calling me for diferent accounts and they create stress, ill

As a matter of practical advice, you should avoid picking up phone calls from unrecognized numbers at times that may be highly inconvenient to you....

Is it OK to request for both the creditor and the debt collector a written agreement?

It is important for you to clarify whether your account is still owned by the original creditor, or by a debt buyer. A debt collector can work for...

It is likely that the accounts that were formerly serviced by Mann Bracken have been re-assigned to another firm. Check your credit report to see...

I owe money to credit cards since 2009. I have a court judgement on my credit report..

You may be able to move the court to have your judgment vacated for lack of service, depending on the rules in your jurisdictoin. By vacating the...

I had a payday loan and I paid it but my pay was cut. Now someone is calling saying charges felony are being filed against me in

My inclination is that the caller is a scammer, not a debt collector. They may have obtained your information from an intermediary that dealt with...

The best way to find out is to call the attorney that brought the case against you and ask them whether they would agree to vacate the judgments....

Should I get a lawyer?

You are dealing with a collection company that is either a scam or is acting in complete disregard to the law. A consumer debtor is entitled to...