Bank of america v/s credit . Both reporting wrong to credit companies and neither one will take ownership of wrecking my credit.

You have rights under the Fair Credit Reporting Act. To understand them, contact an attorney in your area using the AVVO find a lawyer tab or use...

Is a photo copy of a supposed bill from the original creditor from a junk debt buyer enough to satisfy the debt validation law?

Unfortunately the law is not good for the consumer here. You would think "debt validation" would require that they come up with something...

I received a summons that I am being sued for an old mortgage in Michigan, but live in Ohio.

If you are filing bankruptcy you would file in Ohio, assuming you have lived there for most of the last six months. Depending upon when you moved,...

After I won a judgment how much time I have to sue the plaintiff for my losses ?

Just because they lost does not give rise to a lawsuit against the Plaintiff. Indeed, your state may recognize that any claims you had against...

Can I suit a company which is in a closing process? Or suit a closed company?

You will need a collections attorney to guide you. For that much money it is worth the investment. If the company is out of business you will...

Can anyone help with a FCRA violation?

I think you are referring to the Fair Debt Reporting Act? They can be intertwined in some cases but for a FCRA violation you would have to show...

I am being taken to court for a credit card. I am on social security disability. What can I expect to happen?

You should consult with a consumer attorney in your county. You can find one on AVVO or the link below. The social security income cannot be...

How can a Lawyer hold garnishments for several months before sending payment to creditor?

You should consult a consumer attorney to see if you could benefit from a fresh start under bankruptcy law or if you are being taken advantage of. ...

What is the definition of "personal effects" under bankruptcy law?

This is pretty basic stuff for any bankruptcy attorney. Get an attorney now before you file and the Trustee tries to take your "personal effects"...

Only you know your ability to make the check. Your laws may be different, but here in Ohio the person to whom the check was issued must the drawer...