I got a payday loan years ago and know I paid it off. Now aCS is sending threatening emails saying I'm going to get arrested and

Laugh loudly next time they call you. Tell them you are out front in your porch waiting to be arrested. Then ask them where they are and how long...

Can an employer LEGALLY garnish an employees wages from an outside agency (i.e. family court) without a court order? Yes or No?

The employer is not at fault. If they employer didn't garnish they would incur personal exposure under the garnishment laws.

Mother in law filed for Chapter 7 in 2011, it is now 2014 and her mortgage company is threatening repo to collect. Can they?

Sounds to me like your mother in law discharged her personal liability on her home loan but bankruptcy does not eliminate her mortgage. If she...

Is this something I can take to court and win?

Ignore the new collection agency and if they sue you, it sounds like you have proof it was paid. You can also do a debt validation request from...

How do I go about getting my criminal background expunged for harassment and disorderly conduct in Pa?

You need to wait 5 years to expunge a summary offense. No help with misdemeanors because you won't get a pardon for this easily or...

I am way behind on my mortgage, but not in foreclosure. Recently I received a Form 1099 Cancellation of Debt.

A 1099c is a creditor accounting function and really has no bearing on you other than you now need to complete irs form 982 with your tax return...

Need direction on Deed in Lieu situation.

You can't do a deed in lieu with a second mortgage lien involved because you are not passing clear title to the first mortgage holder. The...

It is best to be present, but not necessary. I represent out of state truck drivers in abstentia all the time.....usually with a positive resolution.

Where exactly it says that mortgage or note is a document "under seal"? I looked at cases, statutes, etc., but can not find it.

It should be contained under, or very near to, the signature line.

What happens with someones current credit card debt when the person become a US Resident?

If it is not your friends debt, it is not his/her responsibility. He/she must correct things with the credit bureaus and possibly file identity...