The Mortgage company reported us to credit Bureau as being delinquent. What can we do ?

Based on the limited facts presented, I would say that if you were in fact delinquent on your payments, and you are being reported late for the...

I am getting letters from two collections agencies after foreclosure. Should I have been served a deficiency judgment?

If the debt in question is the mortgage deficiency, the collection agencies are simply seeking to collect the deficiency without having to go to...

What are the laws regarding the sale of debt? How does that affect debt falling off on credit reports?

THE SOL is separate from the time prescribed in the FCRA for negative items to appear on your credit report. Calculate 7 years from the date your...

I was told by the clerk of courts that the house I rent has a final judgement of foreclosure and it was stopped because the

I agree with my colleagues. Continue paying your rent, but keep tabs on the case. Depending on whether the owner filed chapter 7 or chapter 13, ...

Should we pay our credit cards off or keep a small balance?

Keeping a small balance and paying on time can help your credit score and history. But if you are not in the market for obtaining a new large line...

Citibank does not like dealing with debt settlement companies. If the debt settlement company has already milked all their fees from you, I suspect...

How do I remove a HELOC charge off that is on my credit report after a short sale?

For credit reporting purposes, the time runs 7 years from the date of charge off, per the FCRA. The SOL to which you refer is the time within which...

If everything is being reported accurately, then you will have to wait for the requisite period of time before it falls off your credit report. Is...

Can I get evidence disallowed for Plaintiff, because of failure to give discovery?

You can try. You can also request the court to adjourn the trial to a new date because discovery is still outstanding. Depending on the judge, this...

Can I get evidence disallowed for Plaintiff, because of failure to give discovery?

You can try. You can also request the court to adjourn the trial to a new date because discovery is still outstanding. Depending on the judge, this...