It appears likely that this would violate federal copyright law. Before starting on this course, you should definitely speak with a copyright...

How can I sue Bank of America for illegally withholding my account ?

You should contact a local attorney familiar with Fair Debt Collection Practices Act (FDCPA) matters. Good luck.

Can out of state creditors charge 30% interest on a loan to an NY resident when the interest cap for NY is 16%?

Agreed with my colleague. I'd also like to add that while 16% is normally the cap, licensed lenders can go up to 24.99%. As discussed, national...

If a creditor wins a judgement against an individual, can that creditor levy an IRA or other retirement account?

Typically, no. 401(k)s and IRAs are exempt from judgment execution.

Should I pay dr bills that have been on my credit for 7 yrs?

Normally, items are removed from your credit report after seven years. If the debt is legitimate, one way to improve credit is by paying the old...

Not to be rude, but "sovereign citizenship" isn't a thing. It's not a recognized concept in our legal system. Filing any "UCC-1" form won't do...

It's difficult to say without knowing more about the alleged debt. I recommend you contact the attorney that did the bankruptcy filing. Often, debt...

Can a discharged auto loan be sold to a third party debt collection and payment be demanded?

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

Agreed with my colleague that you have rights under Truth in Lending Act and NY law. I recommend that you contact a local consumer attorney to help...

I would like to settle a debt to avoid garnishments and if I give a lump sum can the amount due be negotiated ?

Yes, creditors will typically negotiate on debt.