I received this email at work. I need to know if this is a scam. I do not know whom this is or what they want...

This is almost guaranteed to be a scam. I have blogged about some of the signs of scam...

Can I get Judgments removed from my Trans Union report if they were dismissed due to no funds

A matter that was dismissed due to no funds, means that they issued a garnishment on a judgment. The debt is still valid, but the efforts to...

I recently consulted with a bankruptcy attorney & it was suggested I file for Chapter 13. It was suggested I take this route

The fees are in line with what others in Central VA are charging. The decision to file a 7 or 13 is a hard one. SOME of the factors include...

Can you refinance after chapter. 7 even if you didn't reaffirm?

This is a VERY difficult question. Your CAN refinance, but the hard part is will they LET you. The debt is discharged as to YOU, but not as to...

Is it likely that a collection agency would take me to court over $2,500?

This is very dependent, and not easy to answer. Some of the other lawyers are correct in their analysis. Most junk debt buyers are not able to...

What to do if you are out of state defendent in a small claims court action?

The answer is that is it very difficult to defend a lawsuit against a hospital or medical bill in Virginia. The "small claims" court, called...

Can I place a credit/security freeze for my minor child to protect him from identity theft?

Yes, this is possible. In order to do so, you will need to provide the information to the credit bureaus, and advise them that the information...

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I'm unemployed, How far behind do I get before I could be jailed. should I send letters of my delema

In general, for most debts, you cannot be jailed. There are. some notable exceptions, for example child or spousal support can result in a...

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My question is I have a judgment against me that was entered in 2005.

The judgment is controlling. You probably should talk to a Bankruptcy lawyer.

Generally NO, you cannot be served by voicemail. This sounds like a debt collection scammer. This is a blog I did with how to recognize many...