Threatened with wage garnishment to repay a personal loan

Fair Debt does not apply here because you are dealing with the original creditor. The contract is likely governed by NJ law (the place where you...

Should we move back in and fix it up?

The problem here is that if you move back in, you might have to pay for the repairs the bank did as part of the lien. If you can fix the house and...

Is it legal for a medical provider to refuse/fail to bill me for services and send the charges directly to a collection agent?

No one is required to send a bill before they start collecting. If this is a billing service, it is still a debt collector subject to the...

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Chapter 7 and vehicle NADA value

The second vehicle has no equity. As long as the lien is current, there is no problem there (you may have to reaffirm the debt, but that is not...

How can I get a medical bill off my credit report?

They do not have to settle and they do not have to remove the debt even if it is settled. If you owe it and it is being reported correctly, you...

How can I obtain the levies and garnishments for me to apply for writs of execution, in order to collect what is owed to me.

You need to follow your state's laws to collect. You can question the debtor on what assets exist. Then you need to know whether you can garnish...

What to do about double billing?

Has the check cleared? Did you call them and ask where the bill came from? If not, check with the bank on your check and call the company.

PA - Bankruptcy question (how does it affect my mortgage/any mortgage deficiency in foreclosure, credit card, real estate taxes?

The automatic stay provides protection in bankruptcy. Every state lets you exempt property. However, once you sell it, you lose that protection. If...

Can you clarify what the paragraphs below means? My interpretation conflicts from 1st to 2nd paragraph.

California law is unique. See a California attorney because these provision make no sense.

I close the account with the bank so that i can pay back the amount that i owe. the bank continue to charge me. can they do that

If the agreement or state law allows it, then can do it.