I overdrew & paid back a ck act with Chase 2 years ago. I can't open a new ck act cause chase never up dated my info.

Do you know the company that Chase is sending the corrected information to? Is it a special purpose credit reporting agency like Chex Systems? ...

Selected as the best answer

A hard inquiry is not the only way for a collector to have a negative impact on your credit report. It is my understanding that the hard inquiry...

Collection Agencies and Privacy Laws

Collection and credit reporting nation-wide are regulated under the Federal Fair Debt Collection Practices Act and the Federal Fair Credit...

Do we need to deal with the collection agency "Your delinquent account with us has been brought to my attention for collection"?

For your peace of mind, you need to get copies of your credit reports (www.annualcreditreport.com). Have your reports and the collection letters...

I wrote a bad check back in 1990 what do i do to pay it

You say that you did not know that the check had bounced. I assume that something has now happened to let you know that the check was returned. ...

Stop a garnishment that is in effect I am a single parent with two kids

You should speak with a bankruptcy attorney. But I also suggest that you have your situation reviewed by a consumer debt defense attorney to see...

Does paying "charged off" accounts, restart the 7 year time frame on my credit report?

Paying off an old account does not lengthen the time that the account tradeline stays on your credit report. If the account does not come off...

Hired lawyer to represent me in court against debt collector. my lawyer was late and judge ruled in favor of collector. appeal?

You need to consult with an experienced debt defense attorney licensed in your state. I suggest you look for one at www.naca.net. You want an...

Selected as the best answer

The development of "tribal" claims of exemption from virtually all lending law is very troubling and the efforts to address this problem have met...

Husband forced to retire in chapter 13. Attorney could not get trustee to reduce payment, now discharge for non payment.

You have a lot of questions, so it is clear that you are going to need to speak with another attorney for a "second opinion" on your bankruptcy...