This is an apparent reference to the Fair Debt Collection Practices Act, although this is not stated. That Act requires a debt collector, but not...

I would also like to apply for a secured credit card. I applied for the Capital One secured credit. However I also had a Capital

A great idea. If you have your discharge, then the Court does not care about you opening up a new line of credit. Use it every month, but pay it...

Can i get served and arrested from a payday loan 4 years ago?

Sounds like a scam. Here is a link to an article I wrote about how to spot scam collection activity and what to do about it.

What needs to be done? What is the process? What are the possible outcomes I'm facing? Should I file bankruptcy?

Bankruptcy would certainly stop the lawsuit, but on the other hand, if your situation is as bleak as you say, you may not have anything to worry...

Chapter 13 bankruptcy

Normally court rules are in place to make the Chapter 13 fee a standard "no look" fee. The attorney then gets paid a set amount of money once the...

Chapter 13 and vehicle loan "cram down"

Your attorney can explain this. You can modify the interest rate to your benefit. But the 910 day rule is just that, a rule. If you could just...

I filed a chapter 7 back in 2009, and I am needing to file another chapter 7 and wanted to know when I can do that?

Eligibility for discharge under Chapter 7 is limited to eight (8) years from the filing date of the previous Chapter 7 filing. So you have to...

Please find a consumer attorney in your area to review this with. If a judgment was issued against you and you truly did not ever receive notice...

How to handle a being sued by a debt collector

No attorney can tell you what to do. At best they can lay out options and allow you to decide once you have some idea of your rights and possible...

I filed for a chapter 7 and the judge granted the relief from stay motion. I want to keep my house. Will ch 13 help?

You are not eligible to have two (2) bankruptcy cases going at the same time. A Chapter 13 is available for homeowners who want to cure a default...