I paid two credit collectors for the same debt. how do i find out which one owes me my money back

Find a consumer attorney to sort out who owes you a refund. Very likely it's the second one who collected, but there may be a quirk that would mean...

Debt collection from banks and collection agency Can they collect debt that is not totaly disclosed

Your instinct is correct. They are trying to cadge a deceptively small amount from you in an effort to find out where you bank and whether they can...

Can a Dyck O'Neal sue for Judgement in Ohio on purchased debt (2nd mortgage/promissory note) from Michigan?

Federal law generally requires creditors to sue you where you live and not in a distant, inconvenient forum. That being said, depending on the...

When does the statute of limitation begin on promissory note in Fl

The statute of limitations begins when you default. It is tolled (paused) during the pendency of a court action. So from the date of default to the...

Do you know anything about companies called Western Sky/Cash Call and Silver Cloud Financial?

The good news is a law called FACTA provides you with some protections in an identity theft situation. The bad news is that the creditors are...

If they have a claim on your house it should be recorded at the clerk/recorder's office in the county where the house is situated. It would most...

Collection on credit not mine for 8 years Debt collector can't provide proof won't remove from credit. Been disputing for 8 yrs

No ordinary collections matter should be on your credit report for longer than 7.5 years under the FCRA (certain student loan, governmental etc....

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How Harmful is for a "Debt Settled" to appear in a Credit Report?

Let's say your potential employer who pulls credit. There are some employers who won't hire you if you have a sixty day late on any tradeline....

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If a debt is negotiated for an amount lower than the original debt, Is the difference reported as income to the IRS?

IRC s. 61(a)(12) defines discharge of indebtedness as income. Loan proceeds are not on s. 61's list, so they're not income. But when you're not...

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Florida statutes credit card debt

Leaving aside the question of whether you have been served with a lawsuit already (if you have, you need to see an attorney immediately) and the...