I agree this sounds like a scam. Here is the link to an AVVO guide I wrote about how to spot phony debt collectors and what to do about them. You...

Are there any negative effects of getting collection accounts validated after a validation notice is received?

I am not sure about your question. At one time you speak of a validation notice, this has a certain meaning in Fair Debt Collection lawsuits. But...

Do I need to file an amended bankruptcy?

It may not be too late to get an attorney to represent you. Most of their fees can be paid off as part of your plan of debt reorganization. You...

Can a person file chapter 7 if in prison in NY

Pretty much anybody can file Chapter 7. Whether he would get a discharge is another question, there are limitations which apply to repeat...

What are the key differences between Ch 7 and Ch 13, pros and cons of each and which would you recommend given my situation?

There are many differences, one involves repaying and one involves re-organizing your debt with period payments toward the debt. Find a local...

I am trying to get a lien removed that was put on my property before my bankruptcy. I was discharged from the debt

Getting a discharge does not eliminate the lien. The lien, placed on your property before the filing, remains unless you bring a motion to avoid...

What do we do about stolen checks on closed bank that are passed to merchants & turned over to collection agencies?

You have rights with collection agencies to dispute the debts. Here is a link to your rights (below). I would do this in writing, by certified...

Can I sue a collection agency for violating FDCA and threatening legal action if a payment is not received within 14 days?

I don't think this is a false threat. Why couldn't they sue you? Find a consumer attorney on AVVO or use the link below to find out more about...

Other than government Id & social security card what other documents should i bring to the 341A creditors hearing?

The picture ID and SS card are mandatory, they are used to verify the ID of the consumer filing for bankruptcy. Without looking at the forms, I...

My daughter electronically cosigned my name for a school loan without our permission.

Forgery is a criminal offense in every jurisdiction as far as I know. Your state may also have a criminal statute regarding the theft of another...