I can settle my credit card co for 50% myself or file bankrup which is worst on my credit

Make the settlement. Bankruptcy is a very valuable "card" that you can only play every 8 years. What you owe is way, way below the amount...

Can a collection agency sue me for a repo in 1997, have been making 25.00 per month pymts and can they make me pay more?

I can't opine on Pennsylvania law but I can share some tips. The fact that you have been making payments all these years may or may not be...

I have a judgement against me from credit card debt. They sent me these forms wanting to know assets.

First, the papers you were served are of the type that often are a standardized form that is promulgated either by the state's supreme court or the...

Statue of limitations on medical bill,cell phone bill state of idaho

There would typically be a written agreement underlying the medical bill. There is new case law out there that telephone bills of any kind have...

Died with no will, no asset, lots of debt.

Many states provide for a form of simplified administration, however where there are only personal effects of minimal value even that may not be...

Does the statute of limitations apply to liens?

I am going to attempt to answer this question on a generic (not specific to MO law because I can't opine on that) basis and without following any...

What defense can I argue against a limited civil lawsuit filed by a creditor in CA?

You're up against the "phantom payment" problem (I discuss it more fully in my book). Essentially original creditors know that your only defense...

The judgment holder tried to garnish your wages (or a bank account). Apparently they either collected all that the garnishee had held for you, or...

They are the ones in the tight spot. The question is whether there is anything they can do, because with the original loan documents and the...

Debt collection, going to court.

Kentucky is a difficult state to be a debtor in. There is a five year statute of limitations on most debts, but courts are difficult to convince to...