What is my best recourse with debt collectors?

Yes, I would ask for a verification of the debt and ask in writing not to contact you. They still may take you to court, as inability to pay is...

If I'm answering my personal phone for a debt collector do they have a right to continue to call my job phone?

The FDCPA does not apply, because they are an actual lender, but there may be state consumer protection laws that could protect you. Also, keep in...

I live in Ohio, if you have a default judgement against you can funds on your prepaid Netspend card be taken (school check)?

If you are a student, you may be able to get on a small payment plan with them. Once you get a job, they could garnish your wages, and you don't...

Are debt collectors allowed to tell you the amount you have to pay each month and if you don't they will sue?

Collector's are going to try and get as much money as they can from you because they are paid on a commission. If they verify assets, whether...

Should I respond or not to a notice of civil action against me?

The debt consolidation company will most likely do nothing to help you, allowing the creditor to obtain a default judgment and garnish your wages...

Why would an attorney specializing in consumer debt offer to take your case for free?

Sounds like you may need to talk to the attorney or look at your letter of representation to have a better understanding of what is going on. This...

Call the clerk and ask them how to file an an extension to file an Answer. This will give you time to contact an attorney. If you do not want...

What can I do be cause I was never "served notice" by a collection law firm?

If you have not been served, you can file a motion to vacate the judgment, because the judgment is void. However, once you file the motion, you...

How do I find the creditors number to pay off my debt when it leaves the original creditor to a 3rd party?

There should be contact information on your credit report.

If you really can only pay your expenses, you may consider bankruptcy. If they try and garnish your wages,it will be 25% regardless of your other...