I just received a call from a company about debt owed from 2003. They are willing to settle on 500$ in 24 hours.

I would not pay this or settle this debt. First, don't ever do this over the telephone. Make the person with whom you are dealing send you, in...

I have been trapped in the cycle of payday loans and reside in NC. How legal are their threats of collection

As Mr. Love said, if you are dealing with out of state (and even out of country--Belize seems to be hot spot) payday lenders, they will not sue you...

I wrote a bad check for235 in2005 i had a collection agency in 2011 i ipaid 205 it is paid in full

You should consult a consumer lawyer in your area. I can't speak to TN law but in NC there is two year statute of limitations on misdemeanor in...

My wife and I are separated so to speak. She is not working. If bills are in her name. Am I responsible.

As the prior poster indicated, unless you are a joint obligor on any particular debt, you are not responsible for your wife's debts. However,...

How long is it legal for a creditor's lien to be placed upon a home in NC without being able to collect?

As usual, Ms. Coleman's answer is spot on. If you are taking about a materialman's lien (which I do not believe that you are), a materialman's...

My sister died on Oct 11, 2013. She had credit card and medical debt. Her estate is zero. How do I handle this?

As Derek Caldwell stated, you should open an estate. In North Carolina, you can do a small estate by affidavit which is a fairly simple procedure....

I WAS SERVED A JUDGEMENT IN AUGUST 2008 ON A DEBT I WAS NOT FAMILIAR WITH NOW IT IS ON MY CREDIT REPORT, HOW DO I ADDRESS IT?

I agree with Ms. Coleman. I am relatively close to you and would be willing to review the ENTIRE court file. As Ms. Coleman said and also...

If I have IRS levy and a judgement on record, can I trade a vehicle that is paid off ?

You really should consult with a bankruptcy attorney. I am relatively near if you would like to speak with me. You may be able to exempt your...

Is a civil suit possible in this situation to protect my credit rating?

There are some steps that you can take. First, under the Fair Credit Reporting Act (FCRA), you have the right to dispute the debt with the...

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I'm being sued by a debt collector. I have NOT been served. What does this mean ?

You should discuss this matter with an attorney as soon as possible. I am not licensed in Florida but it appears that the court is asking the...