Which is better for credit: charge off or charge off + satisfied judgment?

I'm surprised that with all of the other answers, no one hit on the potential claim that you have against the credit bureaus. You need to dispute...

What if a debt collector never validates the debt they claim you owe?

If they contact you again without validating the debt, then they have violated the Fair Debt Collection Practices Act (FDCPA). You will hire a...

Do judgement creditors have to abide by the same fdcpa rules as they did pre-judgement?

Yes, the FDCPA still applies post-judgment. Based upon what you wrote, this doesn't mean that you have a claim though. (you might, you might...

If a law firm sues me for a credit card debt, should I try to settle it with a phone call to them or hire a attorney?

You should never have made any payments without first consulting with a consumer attorney. You didn't mention who you are dealing with, whether...

A lawsuit was filed against me in a county I have not lived in for over 3 years by a debt collector, is that illegal?

It depends. A debt collector must sue you where you currently reside, OR, where you resided when you opened the account. There is no other...

If I am being sued by a debt collection law firm do they have to sue me in the county where I reside?

A debt collector must sue in the jurisdiction where you currently reside OR in the jurisdiction where you opened the account. Just having the...

What are the trade-offs of registering a car in the name of a LLC vs personal name?

this isn't a lemon law question so I'm trying to move it.

Just to add to the other answers, they cannot garnish anything if you beat them in court. A good consumer attorney can win many of these cases,...

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Should I consult a consumer attorney about this situation?

The response from Attorney Corbin is wrong. If the debt collector took action on the account after you sent a validation notice then they may have...

If a credit does not revive a judgment after 5 years, how do you get it removed?

The five year mark for revival that you are referencing only applies to the position of the judgment against you versus other judgments that may be...