An attorney's office is threatening to garnish my wages for a 10 year old credit card debt, can they do that?

I agree with the above poster - it doesn't sound like a legitimate attorney. If that is the case and provable, clear violation under the FDCPA....

When you settle your credit card debt, will they ever cut down the principal amount?

First, it's always worth requesting validation of the debt from the collector to ensure that it is accurate. In the event that the collector cannot...

I agree with the above posters in regards to a creditor not being able to garnish your wages absent a valid judgment. It's also important to keep...

I just negotiated settlement and made a payment on 7 year old debt. But just realized the was going to fall off my credit report

I'm not sure I fully understand your question. Regardless, it would appear your biggest issue is the statute of limitations, which reset as soon as...

Do I have to appear in court if I was recently summonsed in a state I haven't lived in since October 2014?

I agree with the above regarding venue within the FDCPA. However, keep in mind that there is a difference between the lawsuit being filed and being...

A collections company is trying to collect on a 6-year-old bill. Can they do that?

It depends on your state's law governing statute of limitations, and whether the debt you're referring to is pursuant to a written agreement or...

Do we need a lawyer for a law suit from credit card company?

Your husband does not need a lawyer to appear with him, but he must appear in person at the date and time listed on the Summons. Based on your...

Do I have privacy rites as a consumer?

While the FDCPA does not apply to original creditors, your state may have its own consumer protection laws that could provide a potential remedy....

I agree with the others who have previously provided you with answers, and would like to add that if you choose to settle the debt on your own,...