Why do my credit report say I have a balance of 242 but the account is closed?

It's possible for an account to both have a balance and be closed. On a credit card, for example, "closed" just means the account is closed to...

How long does it take for release of garnishment and necessary steps for appeal?

You should consult a credit repair or debt defense attorney in your area. Many offer a free consultation. Without more information, it's hard...

What are my options? Fair credit act? Damages?

The Federal Trade Commission provides an essential checklist for victims of identity theft at https://identitytheft.gov/steps . To preserve all of...

You have a right to dispute false information in your credit reports. You can get free copies of your credit reports once every 12 months by...

There are amenities on my buildings website that don’t exist & weren’t listed when I signed my lease. Is this false advertising?

If you can show that the landlord's misrepresentation caused you some sort of "injury" (defined broadly), you may have a case under various...

Who do I go to to help me with reaffirmation?

There are many factors to consider when deciding whether to reaffirm a debt after bankruptcy. Consult a good bankruptcy attorney about whether...

Even if you really owe the debt, you may have defenses to a debt collection lawsuit: the creditor or debt collector might have waited too long to...

What is a satisfactory debt with auto financing ?

"Do a satisfactory debt" is not a legal term with a specific meaning. You should ask the woman to clarify what she meant. She might have meant...

Is there a law that protects elderly people diagnosed with dementia from people taking advantage of them financially?

Under Minnesota law, your family may be able to have your father-in-law’s gifts undone if your family can show by “clear and convincing evidence”...

If a credit repair company sends out disputes that you did not dispute to creditors

You can sue a credit repair company that violates the federal Credit Repair Organizations Act, which was enacted to address the epidemic of credit...