The Fair Credit Reporting Act (FCRA) entitles you to many rights against false credit reporting activity, and additionally makes credit reporting...

Verbally asked for debt verification letter to be mailed, letter I received is asking for more information?

I recommend that you contact an FDCPA attorney to send them a letter using language which will trigger your rights and their duties. Most of these...

Am i being scammed?

It sounds like the firm violated the FDCPA. Which means that, even if a scam and you don't owe them anything, you actually can sue them and win a...

You can certainly make what is called an "Offer in Compromise" to settle your debt for some percentage of the balance. This offer must be made to...

What are my options when an auto finance company is reporting an account on my credit report but has not sent me any statements?

You will most likely need to hire an attorney to obtain the documents, negotiate with them, and/or serve them with a legal demand (as appropriate...

Will a police station call me informing of a complaint being made, and warning of a possible arrest warrent?

This is most definitely a scam as the police are not involved in debt collection in the USA due to the Constitutional protection of due process of...

Did you receive a letter from a debt collector? PM me if you need help understanding what you received.

Can a collector serve me at my job ?they refuse to sent the statement to my residence

If they did, they may have violated the Fair Debt Collection Practices Act (Federal Law), and if so, they can be ordered to actually pay YOU money...

I want to file a dispute but dont know if I can.

You may be able to dispute this debt and depending on the facts of the case, if the creditor violated the FDCPA, you can actually sue them for...

Stop collections on an expired judgment?

Depending on the actual facts surrounding the judgment and the content of the collection letters and or/calls, there may be a violation of the...