They probably added penalties, interest, and attorney fees to the original debt. I am not aware of any law requiring them to offer you a lower...

I paid over $10,000 to a company that has since filed chapter 11. What options do I have to get my money back.

You definitely need to see an attorney who not only knows how to file proof of claims BUT also knows Chapter 11s (they are corporate bankruptcy and...

How can I settle a debt case without going to court?

Possibly - but you may want to act quickly before the judgment against you is obtained.

You got few options: 1) See a foreclosure defense attorney. It's hard to win a dispute if you are not represented well. 2) Chapter 13 bankruptcy...

I would recommend seeing a foreclosure defense attorney.

Can a credit card company/collection agency freeze/attach my checking account?

I would open a brand new checking account where EVERY SINGLE PENNY EVER comes from Social Security. If they freeze it, you can get it unfrozen by...

Seen something stating that once a debt has been sold to a collector that its been written off?

A lot of people get confused when they see "charged off" on their credit report and many erroneously believe that it means that the debt is gone....

Can I file bankruptcy now because of health issues when I filed bankruptcy 10 years ago after a divorce?

10 years - definitely yes. But you need to consult a bankruptcy attorney in order to decide what works best for you and what is available to you.

Juan is right. Only EIC is exempt.

You need help of a local attorney to make sure 1) you don't break the rules, and 2) try to get your stuff back.