For $24.00 it is hard to justify an attorney, but the bank should not release the funds to them if you can prove the source is exempt funds.

Regarding a debt collection in North Carolina, could an affirmitive defense be used if the Plaintiff failed to attach

Not really an affirmative defense because there is nothing you have to prove. They have to prove the debt and the default.

I filed for chapter 7, what will happen if there is a property (which I have no interest in) however I am still on title, if

Talk to your bankruptcy attorney about the application of the exemptions.

I cosigned in 2001m for a friend to get out of jail, today 2011 i have a xcollection agency telling me i owe them 11000 dollars

You do not have to get the papers to be properly served. Contact a litigator to determine if you have a defense.

I filed for bankruptcy late 2010, included mortgage, home going to foreclosure, is deficiency a problem?

The bankruptcy protects you from the deficiency no matter how long the foreclosure lasts as long as you did not reaffirm the debt.

There is no such thing as a cease and desist letter to a Credit Reporting Agency (that is not recognized under the Fair Credit Reporting Act and...

How does a person work through the collections process once a debt has been assigned to an agency?

The first thing you need to do if and when you get sued is file an Answer. The summons will tell you that you must “appear” by way of an Answer in...

I won a small claims judgement and requested the court to execute on a security deposit the debtor had. Request was granted.

Generally unless the debtor objects or complains the money can be kept. How did you learn the payments were from exempt funds if the debtor has...

Have agreement with collection agency for payment arrangements, filed suit after 1st payment adding additional fees and costs

The first thing you need to do if and when you get sued is file an Answer. The summons will tell you that you must “appear” by way of an Answer in...

Debt Statute of Limitations

That is a good question. if you used the credit card after the date the law changed then definitely the new law would apply. If not I would argue...