Does meeting with a creditor to negotiate... after receiving a summons, preclude me from filing bankruptcy after the meeting?

Filing for bankruptcy is a right that you have. This right to a discharge can be affected by prior filings, your conduct in filing the bankruptcy,...

The UD Dept of Edu put my loans into default without telling me I had outstanding loans - I AM ALREADY PAYING ON . HELP PLEASE!

The Department of Education has an ombudsman to help you air your grievances. I posted a link to the contact information below. I am confused...

How can I find out which accounts have gone to collections and which have been charged off and no further action will be taken?

"Charge off" is merely an accounting term which means that the original creditor is no longer reporting the account as an asset on their books. It...

What could happen

Sounds like a criminal matter if you are arrested. Normally if there is jail time as a possible sanction you have an attorney appointed to...

Now what can they do to us? The original loan was for 30K

Yes that is what happens when you co sign for someone. You are responsible for payment of the loan if she has not made the payments. You should...

Is this legal? Should I take the $520 offer? Any advise please!

This has all of the hallmarks of a complete scam. Before you pay them a dime, consider whether this could one of the typical payday loan...

You will have to review this with the attorney who is presently representing you. If you don't have one, you will need one. I just don't see this...

Will I get my car back and how long will it take and isn't this against the law I am in illinois

You will have to review this with the attorney who is representing you in the bankruptcy. If you don't have one it may not be tool late to get...

When you have co-signer is there a process that must be followed to collect before sending it to collections and etc.?

No there is no process for the co-signer. Co-signing the debt is a promise that you will pay the debt in the event that the co-signer does not...

Are these legal tactics for them to attempt to collect on a debt I clearly am not aware of?

This has all the hallmarks of a collection scam. Here is a link (below) to an article I wrote about how to spot collection scams and what to do...