I have concern about your use of terms. Is the company a debt negotiator or a debt consolidator. Or a do they do both. You need clarity to...

How can I tell if I'm being scammed?

Add my voice to the chorus--scam. Threatening arrest is a big no-no, so any legitimate collection agency would avoid that. PS Just in case,...

Do I have to wait until my debts are discharged?

In my state, you would not have to wait, and Mr. Flick is an OH attorney so it appears the same process would apply for you--take proof of the...

There WAS a waiting period, but it ended in2016.

My 23 year old child is on my auto ins policy. Title of the car is in her name. Could I get sued if she were in an accident?

You could be sued ONLY if your name is on the title or you were driving that car. Otherwise, the answer is no. You having her on your...

Sunbiz.org is the Secretary of State website to get that information, and to answer your question the registered agent is Corporation Service...

Can I send a letter to a creditor demanding 5,000 per BK violation?

I do not think the creditor has done enough to "make you whole". A Satisfaction of Judgment means you paid off a judgment. But the judgments...

Is it better to catch up on an arrears mortgage before filing ch13 or to put it in the plan?

IF you can get current then I believe you should do so. The reason is that--at least in my jurisdiction---in addition to paying the arrears you...

A gift or a loan is not "income". If the $3k was a loan, be sure to list your sister as a creditor in your Schedules.

Another option to consider is filing for bankruptcy. It is an option. Frankly, $8,300.00 may not be a lot of money in the grand scheme of life,...