I paid a utility bill with money orders for 2.5 years. But, the bill was under a previous tenants name. Can I get in trouble?

You state that "[t]he land lord . . . is claiming to report me for deception or identity theft." This seems unusual for a landlord to even bother...

In Georgia if I am filing Chapter 13 what form is required to petition court to lift sanction so I can sue my lender

Your situation is far too complex for you to be relying on the off-the-cuff advice that attorneys offer on this or any other web site. You need to...

A default judgment happened in 6/7/07 and a collector just filled a garnishment against my bank is it to late to appeal

Yes, there is a statute of limitations for credit card debt, but that does not matter because now there is a judgment. The statute of limitation...

You need to go to the Courthouse and get a complete copy of the Court's case file that has the judgment against you. A lawyer will need to review...

Can a debt collector add on attorney fees to the debt when a lawsuit has not been filed?

I suggest that you have your situation reviewed by a consumer rights attorney familiar with Tennessee law. You can look for one at www.naca.net.

Restitution due and request additional damages?

Unless this is a very unusual criminal, he will not be able to make any restitution payments while he is in jail. (We have a saying that "someone...

I am afraid the loan i took was an illegal loan with a super high rate. How can I know?

Western Sky is a Native American Tribal lender. Georgia law, if applicable, says that these loans are illegal. The "if applicable" is a difficult...

I have an old debt collection account and I would like to pay the balance in full

I suggest that you speak with an experienced consumer debt defense attorney. You can just call up by yourself and pay the full amount of the debt....

What can I do when I am receiving different information regarding a charged off loan?

You should speak with an experienced debt-defense attorney licensed in your state. I suggest you look for one at www.naca.net.

A credit agency has placed a bad mark on my credit report for a bill that is not mine. I've contacted them and they refused to

You should retain an attorney with experience with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I suggest you look...