A CA has contacted me stating I owe a a past due balance. This was never reported on my credit report. Can they collect?

The good news is that owing the university is better than owing a lender who has a federal guarantee. The latter can put you in CAIVRS. On the...

It is a very rude acronym that I apologize for using, but if you do searching you will find the best examples by using it. It's basically a letter...

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The collector thinks they validated. Whether they did or not is one for the courts, but obviously it wasn't sufficient for you. Now the question is...

A FOAD letter would get rid of them. As for the recording of their calls, there may be a number of legal theories that would allow you to do it...

I'm contemplating filing for bankruptcy. If I do will the bank/lender try to take my home since I'm one payment behind?

In a chapter 7 you would need to be current at the time of filing in order to keep the home. In a chapter 13, you can rehabilitate the home loan....

A second and third mortgage liens will survice a chapter 7 but in rem. Are the lien holders able to proceed on foreclosure

The second and third lienholders may foreclose, however if they are upside-down with respect to the first lien they would be fools to do so until...

HH&L operates in many states including Florida, New York and yes, Pennsylvania. They are a real law firm and they will sue if the case's value and...

What to do about a past vehicle repossession in nj

The loan has been in default since before the repossession, but the amount of the deficiency was only set when they sold the minivan. The auction...

My mother died, leaving credit card debt.

There are companies that specialize in collecting on the debts of decedents. Sometimes they cross the line, and if what you're presenting is...

Whether they can ruin your credit and whether you have to pay them are two different questions. The first relates to the 7.5 year reporting period...