Debt collector failed to send license and sent a forged renewal, should I cease contact with them?

There's no requirement that they provide a license under the law. You can look them up on the NYC DCA website to see if they have one, but it's...

I agree with my colleague. I highly recommend you contact a Fair Credit Reporting Act (FCRA) attorney.

Can I sue for identify fraud?

You may very well have a claim under the Fair Debt Collection Practices Act (FDCPA). I highly recommend contacting an attorney who is familiar with...

Is it in anyway possible to get more than $1000 in additional damages from a debt collector?

Under FDCPA, emotional distress damages are considered "actual damages" so you may be entitled to more than the statutory $1,000. You should...

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What kind of lawyer do I need?

I agree with my colleague. Depending on when they began servicing your loan, you may also consider contacting a local Fair Debt Collection...

I agree with my colleague. I also recommend that you contact a local attorney familiar with Fair Debt Collection Practices Act (FDCPA) cases.

I have a question regarding debt dismissal.

I agree with my colleagues. A charge off has no effect on your liability. That is not a true statement and will not affect your ability to fight...

Do I have a right to have agreed amount in writing?

I agree with my colleagues. I also highly recommend that you contact a local attorney familiar with the Fair Debt Collection Practices Act (FDCPA)...

If my institution is making interest-free (0%) loans to consumers over the internet, do I still need to be licensed?

Almost certainly, you would be subject to the laws of 50 different states. I highly highly recommend that you discuss this with an attorney before...

Bankruptcy and student loans

It is extremely unlikely that you will be able to discharge your student loans in bankruptcy. However, you might wish to schedule a meeting with a...