How can I get debt collectors to quit calling me at work?

You have the right to not be called at work by a debt collector under the circumstances you a describing. Good for you this was went certified...

What happens when debt collector violates consent order for debt payoff?

I don't know much about the consent order, but my initial reaction is to file a "show cause" motion against the creditor who is doing this. The...

Can the balance owing to an unsecured debtor be negotiated in a Chapter 13?

There is no way to answer this question on the internet. In Chapter 13, your income is analyzed over a period of time, then expenses are deducted...

Fraudulent lawyers

This is more of a statement than a question. I don't really know what you are asking.

If I file bankruptcy, what impact will that have on my mortgage cosigner?

Her credit would not be affected so long as the mortgage is paid on time, every month, as agreed.

Is there a special federal protection or specific exemption that protects a debtor's right to

Unfortunately it is state specific as to what exemptions apply, as well as the length of time you have resided in that state.

I owed back taxes for 2011, but I have filed chapter 7. Can they still take my refund this yr?

When you say "they" I don't know you are talking about. But I would assume that the IRS would keep your refund and, yes, they can do this as the...

Collecting on a judgment.

I don't think that there is a set answer to your question. To some people, they would spend $20,000 collecting on a $15,000 just to prove a point....

It is not really possible to answer this question over the internet. Once the means test is completed, if you are over median and don't pass, your...

What legal action can a medical provider take against a contracted collection agency?

Normally this would be done via a contract. An agreed-upon amount of the collected money would be turned over to the provider. Or, sometimes,...