When an account is turned over to collection, who do I legally owe? The collection agency or the original creditor?

It depends upon whether there was a valid assignment of the debt. More information about your rights with debt collectors can be found at the...

I signed a reaffirmation for my mortgage. Why is the bank asking me to submit a letter to them of how I intend to make payments.

I don't know who advised you to sign a reaffirmation of debt but it sounds like it was ill advised. It is not required under the bankruptcy code. ...

Can I put my ex bf as a creditor on my chapter 7 bankruptcy to avoid him suing me?

You must list all debts you owe in your bankruptcy filing. Do not omit any creditors.

Don't file on your own, consult with an attorney and make arrangements to hire them. You do NOT want to screw up your discharge. If the vehicle...

Rec court papers for hospital bill. 2011 / have pd off some but not been able to pd during the past year, what can happen?

It is really not possible to answer this question without a detailed review of your situation. Generally, if you don't take some action, the...

Can I get out of a civil suit with capitol one once I have been served court papers if I'm willing to settle

Yes, but see a consumer attorney anyway. You may defenses to the lawsuit, or you may have options for a fresh start in bankruptcy. But the fact...

Once reaffirmation agreement is cancelled, does the creditor have to return payments made during the agreement?

The bank is right. Why exactly would you think you have the right to get a refund of payments you agreed to make in exchange for what you...

Walking away from a property that was included in a bankruptcy filed by my ex-husband, what are the repercussions?

Have you made sure that it is not on your credit report? I would find it very unusual that a mortgage would not be reported. You can check your...

What bankruptcy chapter is better - 7 or 13?

Impossible to say. A discharge is a valuable thing, however you get there. In some cases your income leaves you no choice. In other cases,...

Can a judgement still collect interest?

I think the first thing you need to do is consult with a consumer attorney about your chances of getting the judgment set aside. Most states, like...