Hypothetical Desperate Situation?

If you open lines of credit with no intent of paying them back it is considered Fraud. If you file for bankruptcy and the charges are very recent...

Being that you mentioned a Chapter 13, they should be included with your list of unsecured creditors. Once your bankruptcy has been discharged you...

Tickets from four years ago that just put a judgment in my name csn i set up payment arrangements so they dont garnish my wages?

Although each judgment negotiation is handled on a case by case basis, what you are looking to accomplish can usually be achieved with the right...

Yes unfortunately, the collectors attorney will still be able to obtain a judgment against you even if you're unemployed. If you don't have any...

In addition to the above comment, I will add this. Many factors can affect the settlement payback amount. These range from who the plaintiff's...

I have a wage garnishment for another persons debt. ?

I agree with the above but will add that rather than potentially wasting time contacting the creditor, the garnishment notice you received should...

When I decide to pay a 3rd-party debt collection off, should I ask for anything beforehand?

NEVER agree to anything without first getting all the terms in writing! It should be on the company's letterhead and should include the current...

Can I be sued by a collection agency for a debt on a consumer bank account that is older than 7 years?

I agree with the above answer provided. I will say from experience, there are many scams that pretend to be collection agencies collecting on...

As of early July, all three credit bureaus Equifax, Experian and TransUnion started enforcing more strict rules for civil judgments & public...

How do you stop these collection companies from calling my family and job leaving threats?

These are violations of the FDCPA as the other attorneys mentioned. I will add, if you are getting collection calls that are blatantly violating...