You can only schedule debts for which you are responsible, in the legal sense, not in the moral sense. So if you signed the lease and broke it,...

How do I respond to a summons for debt collection. I was asked to sign a paper but the packets they gave me didn't state the tim

The answer is found in the rules of civil procedure which apply to this case. If you are not familiar with the rules of civil procedure, the rules...

How can I get specifics about this debt and the company who it may or may not be owed to?

The bigger the lie, the more likely it is you are dealing with a scam artist. By any chance is this over a pay day loan? Be aware that while...

What is the name of the form you file at the county recorder's office to let creditors know you filed bankruptcy?

I hate to answer a question with a question, but are you attempting to remove the judgment lien using the bankruptcy process? And a follow up, do...

How much does an attorney cost to help you in te process of rebuilding your credi

Attorneys who purport to provide "credit rebuilding" are subject to a horrible piece of legislation called the Credit Repair Organizations Act...

Settle with Collection agancy

I am not even sure what your question is. Any settlement is normally a matter of negotiation where two parties attempt to find an agreeable...

How do I go into bankruptcy? Do I qualify for it?

You may be too broke to file for bankruptcy. While you certainly seem to qualify for bankruptcy based upon your income, you may already be...

I do not agree that it makes sense to raid your retirement funds to pay old credit bills. It will create a tax liability, reduce your retirement...

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An old credit card debt has sent me a tax as if it was income? Can they do that? It was in 2011 since last payment..

I am not a tax attorney, but here's my $.02. Only if they "forgave" the debt. In other words, agreed to never pursue it, sell it to a junk debt...

I took out a student loan in 1987 and only attend the community college for about 3 months. I never made a payment on it, so in

These sounds like federal student loans (because they are off setting your refund). I don't know about removing the item from your credit report,...