How do I get my money back from the second collection agency?

You may have a suit under the FDCPA for statutory and actual damages. You need to seek out a consumer protection attorney to discuss your rights.

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I am trying to settle an old debt with a collections agency.

I would speak to consumer rights attorney. If they are trying to collect outside the statute of limitations you may have both defenses and a case...

How can one resolve a $25,000 garnishment without filing bankruptcy?

Really if they already have a judgment your options are pretty limited to settling, doing a payment plan, or filing a bankruptcy. You can have an...

To the best of my knowledge there is no penalty, you still have to pay the yearly amount though.

If they will not work with you to make payments your best recourse is likely going to be to file a civil sessions lawsuit.

You really need to talk to an attorney to review everything. Most of the attorneys that practice in this area have free consultations. Having...

On a secured personal loan can they take yoour items you used for collateral?

Legal yes, however they don't often do so. You can force them to go to court and get a replevin order.

What can I do about a judgment placed on me, that is garnishing my wages for a medical bill that belongs to my husband.?

You can file a slow pay motion to stop the garnishment and get on a payment plan but you also need to find out what is going on. You had to have...

Can i get my home back after a foreclosure?

If there has already been a foreclosure sale the only likely way to get it back would be to repurchase it. If the foreclosure has not been...

What kind of lawyer would I need to contact for credit report issues?

You need to see a consumer rights attorney. You can also pull a credit report from all three companies at annualcreditreport.com