I am owed money for seamstress work; client won't answer phone, door, or accept certified letters.

Oral contracts certainly are enforceable, its simply a matter of proof, who does the judge believe? The issue for you is the really small size of...

If you're willing to make a payment, although you may not be able to setup a payment plan, can a debt coll. still garnish wages?

You may not want to pay this alleged debt. You didn't provide enough facts, but, if this is a credit card debt that was sold to a debt buyer, then...

Do I have to pay a collection agency for a vendor that credited my account too much for a transaction 6 months ago?

Yes, you do have to pay them. They made a simple accounting mistake, its shocking that you didn't tell them about the mistake when it happened. ...

If I negotiated a used car price from 18695 to 17800, does that negotiated price include taxes and fees?

I would say this question is nearly impossible to answer. No one in this group was present with you when you negotiated. Only you would know the...

Wow, not sure why the other attorney said that you have no options,. I would suggest that you disregard that answer and that he stick to answering...

Yes, they can. They will not take the vehicle from you while there is a loan on it, they can't do that, but they can place a secondary lien on it....

I'd like to know if I can be sued for an old debt.

You can be sued for anything at any time, so the answer technically is yes. Even if they are beyond the SOL they can sue you. The question is...

Am I liable for a debt to a company that has gone out of business?

Out of business, or rather, closing a business' doors does not equal you not paying. Maybe they are no longer active, but if they sent a demand...

The advice from the out of state attorney is awful.... I really wish some of my "colleagues" would stick to responding to inquiries in their own...

No money = Pro se: Time barred and need to know what to do beyond filing an answer , affirmative defenses & counter claims ?

You don't know how to answer a summons.... because an answer likely isnt going to be the correct response. Nearly every collection lawsuit that is...