A garnishment netting part of the debt for a creditor is not a settlement. Any deal needs to be in writing. They will come after you until the...

The loan may not be legal. If it is a payday loan, those are illegal in many states. With that said, the statute of limitations may be about to...

If you paid the 10k within the past 90 days, the money may be recoverable by a bankruptcy lawyer or the trustee. You may even get some of that...

I am sending you over to litigation. If 15 lawyers turned down your case, that is usually a message screaming your case is terrible. If they only...

Bankruptcy law uses the term "for educational benefit" to define what is dischargeable or not. I don't quite understand who the creditor is in...

I can only suspect the debt consolidation company (or is is a debt settlement company) talked them into dismissing. By filing a dismissal without...

If you file Chapter 13, then you keep all assets. Chapter 13 is a repayment plan. If you file Chapter 7, then you may or may not be able to keep...

It is highly unlikely that the creditor would go after your vehicle. The amount of debt is small, so they may just wait until you have a job and...

One possible option is to file Chapter 13. You will likely be able to get the car back and pay it over 5 years at a possibly lower interest rate. ...

The answer you seek lies in the terms and conditions of the contract you signed. Pay particular attention to any sections that deal with early...