There is no legal requirement to report a debt to the credit bureaus, it’s entirely voluntary. That being said, they can report it at any time. If...

A letter from an attorney might get the ball rolling. You’ve reached the point where more phone calls are likely useless, based on the information...

Unfortunately, simply paying the debts off may not improve your credit score, and in some cases can even make it worse, as you learned the hard way...

The first thing you should do is document what happened in a letter to the management company, US certified mail return receipt requested. In your...

The best way to deal with this is to draft an effective dispute letter to credit reporting bureaus containing the relevant citations to the Code of...

You might consider a subpoena to the defendant for a post judgment deposition pursuant to article 52 of the CPLR, and/or issuing the defendant an...

You need a legal demand letter citing to the relevant provisions of the FDCPA and NY GOL, and requesting a statement of account as to how the...

Is it a mortgage lien? Do you still own the property? You might start by making a written request to the lien holder bank (seems to be HSBC by your...

The statute of limitations has been reduced to 3 years in New York pursuant to the Consumer Credit Fairness Act, effective September of 2022. So if...

Yes. If a judgment is entered against the joint account holder, the judgment creditor can deliver an execution levy to the NYC Marshal to restrain...