I have received 2 phone calls now from a Howard James, who is telling me I have been approved for a government grant.

Walk, no, run away from this. There is no government grant that requires you to first pay a transaction fee, let alone a grant you never applied...

A law firm bought my charged off credit card debt. Other than interest can they penalize me for making very small monthly pymnts

I would personally sure like to know the name of this firm. Post it if you don't mind, or email it to me. This is very unusual in the field and...

I sure hope you have counsel. If you don't hire a lawyer immediately. Your chances of winning without one are slim to none. You would need to...

Is the company suing you Portfolio? They are regulars in Philly Municipal Court. Don't make deals. These cases can be beaten. Generally, these...

Am I going to be crimilally liable or will I be able to set payment arrangements up

Both Ms Gomez and Ms Larkin are absolutely correct. This is happening a lot lately and I do not know why. You can file a complaint with the CFPB...

When you won a criminal case " citation" in a " court of common " how could you recover your expenses?

You don't recover your expenses in a normal criminal case. You simply are not convicted. If the case was brought in bad faith or unlawfully, you...

I have student debt that I am unable to make payments. Can I use bankruptcy to restructure payments to be more affordable?

You can try chapter 13 to spread the payments out to 5 years. Student loans are non-dischargeable, most of the time, but you can certainly spread...

Mr. Artim is absolutely correct. It is critical that you get an attorney nearby who is familiar with consumer rights and debt defense. Probably...

What do I do if a collection agency is calling family members?

This is a very common meme, i.e. "you committed fraud." I have recordings of these guys that would make your hair stand on end. Generally, if it...

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I have been receiving bills from debt collectors at my address for my former brother in law. Can I sue him to stop using my

Have you considered forwarding the bills to your former brother in law or refusing the mail from the creditor? You can always write "wrong...