Medical bills in collections.

Negative items can be reported for 7 years from the date of default. See 15 USC 1681c. The fact that you incurred the debts in North Carolina...

Ford is very aggressive. I would expect that they will file a motion for relief and repo the car. You MIGHT consider a motion to redeem, and have...

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Lowering a wage garnishment?

You cannot force the creditor to accept less. There is no court proceeding that will do what you wish. HOWEVER, you can talk to the lawyer for...

Do I have a case to sue

The inquiry to your credit report is improper. They should not have looked at your credit file at all. This is a violation of the Fair Credit...

You have asked 2 questions-- How long can they wait to sue and how long can this be reported. The statute of limitations is 4 years (not 5 as...

Generally, no, they can only sue once for a debt. It is possible that Midland acquired another debt, but it is difficult to tell at this...

What are my responsibilities regarding interrogatories? I was awarded a judgement.

Generally, you get to ask the questions. You should ask questions about what assets they have, and income they might be getting. Focus on bank...

Reporting to VSB

There is no time limit for reporting misconduct, but generally, they only require keeping records for 5 years, so while there is no limit, there...

What can I do? I have gotten myself into the trap of high interest installment loans & it has snowballed.

While you can file a new chapter 13 and get the protection of the automatic stay, you will be ineligible for a discharge and unable to convert to a...

To be eligible for a discharge, you must have 4 years since the chapter 7, however, you can file now, and get the protection of the automatic stay,...

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