First, if you have been served with court papers, you are under your first court deadline within 30 days from the date of service. You should not...

The statute of limitations is a state law defense. Usually, the statute of limitations is considered an "affirmative defense" which requires you as...

Who actually filed the case against you? Is it the issuer of the credit card, or is it some company that claims to be an "assignee" of the credit...

Generally, if there is nothing in writing, the verbal agreement can be enforced in court for four years. (Even if you didn't write down an...

Do the letters about the foreclosure set a foreclosure date in August? Are these letters from a law firm? If either answer is yes, then you may...

The time limit for reporting debts on your credit report is usually seven and one-half years from the date of default. This is the limit...

You do not mention whether any legal proceeding is pending. There are times in a civil action where a mere letter would be an insufficient response...

This sounds like an eviction proceeding (also sometimes called a "dispossessory" or "proceeding against tenant holding over"). If this is an...

You ought to at least speak with a debt-defense or consumer-protection attorney. Most such attorneys are glad to offer a brief telephone...

There is no simple, easy answer for your situation. Account information and trade lines that appear on credit reports are separate any civil court...