Can I be sued by a collection agency for missing a payment that wasn't actually scheduled?

Yes they can. As the saying goes, anyone can sue anyone for anything. It doesn't mean that they'll win, however.

I am having my wages garnished for defaulted student loans. What can I do to stop the garnishment, Im unable to pay my bills?

A Chapter 13 may be your only option. See my blog on this issue at http://www.bankruptcylawnetwork.com/student-loans-and-bankruptcy/

Its not the surcharges I need discharged.

You don't give enough information to be able to answer whether the NJ debt is dischargeable or not. So long as your car payments are current and...

I need clarification on a deadline date on a debt claim citation that I was served with.

The best way to get a firm answer to this is to call the Court and ask when the answer is due.

Should I get a promise of a collection deletion in writing

Absolutely.

I wrote a check for $45 in 1996. I have been receiving calls & letter from a Attorney for summons to appear in court.

Don't ignore it--bad things could happen. Although it's only a small amount of money, I still recommend speaking with a local consumer...

Can i file for bankruptcy with a appeal going on with my divorce

Yes. But your divorce attorney should discuss things with your bankruptcy attorney BEFORE you file.

I installed a gallery cealing for a gen. Today, i when to get the payment & Ineed to sign final release of lien. Why

Most subcontractors will be required to release any mechanic's lien rights they have in connection with receiving payment.

I strongly recommend speaking with a local consumer protection attorney. He or she can review what happened and let you know if you have a case...

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Is it legal to charge late fees on contractor invoices in the state of Georgia.

What does the contract say about late fees? If it doesn't say anything, then no.