Two very important questions: 1. When was the last time that anyone (you or anyone else) made any sort of payment on this account, whether to the...

This is a fairly simple question, which should have a simple answer. Sadly, it doesn't. There is absolutely no legal reason why you couldn't simply...

Found it. Yes, they took the judgment on 9/29/2011, and they filed a timely motion to extend that judgment. Unless you can show that the debt has...

There are too many moving parts here. You need to sit down with a local attorney who has been around for a long time, and who can sort out the...

I wouldn't file bankruptcy just for this one reason. That's like using a bazooka to kill a gnat. But if you have other problematic debts, or simply...

This is precisely the problem with many of these debt settlement companies. They promise to solve all of your problems, but what they don't tell...

I agree with those who suggest going forward with the bankruptcy first. There's no telling how this might play out regardless of which way you...

The short answer is "yes," in the vast majority of cases they have to actually serve you with lawsuit papers before they can proceed with the...

The public records section of a credit report almost always refers to either a bankruptcy or a judgment having been taken in a lawsuit. If you have...

This isn't that kind of legal trouble. What you were served with was probably called a "Civil Warrant," but that's not like an arrest warrant or a...