I have a Law firm that just contacted me about a debt, and they are telling me that unless I pay them they will take it to court

Yes you have rights to request validation of the debt and they are required to provide a follow up writing within five (5) days of the initial...

Can a Creditor Garnish After a debt was discharged

She would have a discharge of the debt, it is forever wiped out unless the creditor filed a motion to have the debt exempted from the discharge. ...

Credit card collection lawsuit based on Utah laws

I think first of all you need to research whether the Keystone State would use the law of the forum over the law of the state the contract was...

What information may be continue to be reported on my credit report after a Chapter 7 bankruptcy discharge?

No the inquiries cannot be removed, they are legitimate but don't pull your score down. Your zero balance is fine but it should read "discharged...

Will I get a 341 meeting within 90 Days of filing a bankruptcy petition in the State of New York.

I agree that NY is complicated. So are bankruptcy laws. Go see a New York bankruptcy lawyer and find out what is typically going to happen. If...

Debt from a closed business? How do we combat this?

I seriously doubt your statement that you never signed a personal guarantee for the account. No creditor would be foolish enough to fail to make...

Can 17yr. olds be penalized with medical debt in Ohio?

A minor does not have the capacity to contract in Ohio. So you could dispute the item based upon the defense of being a minor. You would write a...

Can I keep secured credit card and timeshare?

You must list all of your debts, and all of your assets, (and all sources of income). For the timeshare, meet with an experienced attorney and...

There has to be a court proceeding somewhere and you have to have a chance to dispute the lawsuit by getting notice of the filing. Find the court...

If there is a credit card judgment against me , but I know it isn't mine

You can hire an attorney to file papers with the court to vacate the judgement. An attorney can explain the procedures, if the judgment is vacated...