You can always dispute. The 30 day notice is required by the FDCPA and its significance is that if you do dispute within 30 days and they are...

Is it a good idea in Florida to pay debt collectors over the phone when trying to settle a debt?

If and when you do pay, don't even pay from your own checking account. Pay with a cashier's check or with a money order. You don't want the...

If you have a traffic fine and it goes to collections is their a time limitation to that debt and fine?

Sorry, states don't have time limits on that. When you do pay it keep the records forever, some states have been "finding" amounts they claim...

Im in Wisconsin, my Chapter 13 was dismissed March 17, 2009.

Wisconsin has some unique protections for the consumer in the event you do get sued by this collector. In essence, you can gain in state court the...

This is not for small claims court and not for self-help. You need a consumer rights attorney, and you need to address the identity theft aspects...

I was presented with owing a grocery store for 5 outstanding checks that had bounced 20 years ago for a total of 581.00.

California is a very consumer-friendly state. Records that old should not be troubling you, and a good consumer attorney could probably get them...

Do I have a case?

Medical bills are the "Speedy Gonzalez" of debts. They get sent to collections almost immediately. You need to know why those bills were not...

In 2010 a judgment was place on my husband and I for the amount that we owe on a truck, not the truck itself, just the amount.

You can check with your vehicle licensing authority to see whether a lien remains on the truck and whether that prevents you from getting a tag. If...

Should I try to negotiate settlements on old credit card debts and pay with a just received inheritance or do a bankruptcy

The situation where you come into money but not enough to resolve all your debt problems is one of the most difficult, both legally and...

Can I foreclose on the bank after buying a property sold in an HOA foreclosure? Was the HOA lien considered a super-lien?

In law school they taught us "The Bank Always Wins." The ugly truth is that the bank's lien is likely superior except for 1 year of HOA fees,...