Is it after filing or after recieving the discharge papers that Chp 7 will appear on my credit?

Credit agencies report the filing of a bankruptcy.

Is it legal for a collection agency to only report a fraction of the debts you owe?

There is no legal requirement to report all, or even any, account to a collection bureau.

I defaulted on a payday loan due to I was in the Neuro Clinic and now they say I will be served for court - is this right?

Not criminally, but for a civil collection lawsuit, possibly. Given the multiple problems many payday loan companies have following the law, I'd...

Inability to pay is not a defense to a collection case. No one here can tell you what you need to say in an answer to a complaint. As mentioned,...

Can a hospital turn you in to collections if you are paying a monthly amount.

There is a common misconception that if you pay a creditor *something* each month, it can't sue you or turn the case over to a collection...

My tax refund tax check was recently taken for an old school loan 1987. I have already paid this loan through a tax refund

I represented a client in a case involving a student loan from 1976. There is no statute of limitations on student loans, and no requirement that...

Can the courts garnish my savings for child support arrearage?

Generally speaking, if there is a support order and judgment, your wages and bank accounts can be garnished. I strongly recommend speaking with...

I owe 600 for a past due Pay Day loan from about 6 months ago that I forgot about. Getting what sound like threatening calls.

Payday loan companies have an extremely poor record when it comes to collection activities. Some have facilities outside the US so that they do not...

Can a collection agency report that they are a mortgage company on your credit report?

They *have* done it. If you mean is it legal for them to do this, the answer is likely, "Yes." A debt buyer steps into the shoes of the...

Is it still a legal document if its not sent certified mail.

Notices of Garnishment are not "served" on the judgment debtor (you), they are just mailed first class.