What are my options?

Among other things, the lender has to prove the auction was commercially reasonable. A difference of $28,000 between what you owed and what they...

Under the FDCPA, the debt collector has to report the dispute to the CRAs (Equifax, Experian, TransUnion) and has to stop reporting the debt until...

Do I sue gap or Toyota? Gap not paying, Toyota threatens my credit.

Gap insurance can be difficult to deal with. A lot depends on the wording of the policy. You will want to have a consumer lawyer read over the...

The student loan funds are probably exempted so they shouldn't take that money. If they do, there may be an FDCPA claim.

The situation sounds like it could be an illegal "yoyo" or spot delivery scam.

Can a collection agency increase your balance 18% per year forever?

Debt collectors and interest is a complicated subject. Did the original landlord collect interest? Sometimes if they don't, for tax purposes, a...

Generally, they take the car, sell it, and then come after the signers of the agreement for whatever else is owed after deducting the sale price. ...

Do you have a copy of the unaltered application? I've heard of this happening in order to get the loan approved by underwriting. How did you find...

Yes, it sounds like you are under some time constraints and having a lawyer that knows the process can speed things up.

How do I proceed?

Did you hit the cart or wreck by dodging it? Either way, you may have a claim and should contact an injury attorney to look at it with you.