Why do i still need to pay and will they really sue?

Not sure about the law in Louisiana, but if it is a court ordered restitution, you do have to pay, although you probably won't be hounded by...

If a debt is negotiated for an amount lower than the original debt, Is the difference reported as income to the IRS?

Good advice above, let me put my 2 cents in ( whichisn't income). The trigger is if the amount of principal forgiven is $600+, so you may or may...

How to repair Bad Credit?

There are consumer lawyers who can help you. You can look here or at the National Association of Consumer advocates. Before you do, get a copy of...

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What happens if I don't pay a civil demand, does it affect my brother's credit score? (as the bill is for his name)

Probably not if you ignore Winners. If he gets notices from a debt collector or collection lawyer, he should check his credit report first to see...

Credit card stating I owe money when I have proof of the full amount. It was endorsed aswell. Can I do anything legally?

Yes, you have rights under both the State and Federal laws, as well as your cardholder agreement. I practice in Rome and the Northern District of...

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Not sure you are entirely right about the 5 year rule. It may only apply to judgments. But I would be glad to speak to you about it. Repo's have a...

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My mortgage lien holder has been missing for eight years and has not tried to collect the debt. How do I release the lien?

The SOL on collection on the note or foreclosure on the mortgage lien is 6 years. So, if your mortgagee suddenly appeared to sue you, you would...

If I agree to settle at preliminary conference, is that considered a judgment against me?

A stipulation of settlement is not a judgment, not unless you agreed to that in the stip. Also, what court is it in? If it is in a City Court, a...

Are my Fiance's brothers Lying ? Is this a case of abuse of Power of Attorney ?

I would have her investigate what kind of account her dad had and how she was listed on the account. And I agree, if the brothers changed the...

Credit check

No your own inquiries will not affect your score. You may want to subscribe to a credit monitoring site, as they often let you check your reports...