It means that the debt has likely been sold by HSBC to Midland Funding LLC for collection. This happens frequently with companies/banks with their...

Can someone send me a copy of a Homestead Exemption in Viginia. I have a garnishment & need to cover myself.

The Statutory form for real property can be found in Sec 34-6 of the Virginia Code. The form for personal property is found in Sec 34-14.

A college in Puerto Rico is trying to collect a debt from 15 yrs ago. It never showed on my credit report. Can they do this?

They can still hold you responsible for the debt. While the Virginia Statue of Limitations for the judicial enforcement of a written contract is 5...

I paid a health care bill off in May 2011 by check with" paid in full" front and back, I have a bank copy.

Contact the creditor and ask for a breakdown of the charges and how they are justifying the new bill. Match it up against your May 2011 and see if...

Can a creditor take money from an account that I am not on even if my money goes into it?

How long ago was the judgment? You might still be within your window to appeal. In Virginia, it's considered a fraudulent conveyance if you...

Are there any garnishment exemptions that would benefit the average Joe?

Depending on the size of the garnishment you might consider the Homestead Exemption created by Section 34-4 of the Virginia Code.

Can I file chap 13

The answer is "Yes" you most likely can file bankruptcy. Like the others have mentioned, whether you should or not is the real question. I highly...

Can I write a statement testifing that I'm not responsible for any of my wifes debts because of unneccesry spending?

What's the basis of your question? Has she or you been sued by a creditor?

The best advice would be to get in touch with your bankruptcy attorney immediately and ask him as to the status of the reaffirmation. Is the...

How Do I go about handling this situation which has scared me to death?

You should ask them to provide you with a statement in writing clearly delineating exactally how much and why you owe the money. Be skeptical....