If someone attempting to collect a debt refuses to negotiate for payment over time, what are my options?

It depends on who issued the student loans. If they are federally guaranteed, there is a myriad of federal regulations that MUST be followed by...

Vanderbilt & Associates say I owe a debt that I never received notice of? They refused to give me details & threatened to sue.

It's against the law for V&A to threaten to sue you unless they are attorney licensed to practice law within the state of Minnesota AND they have...

My daughter lives in Maricopa county / Mesa, Az. She realized that her check is now being garnished for a repossessed vehicle

A garnishment means your daughter got sued and someone won a judgment against her. There is usually an amount left owing on a repossessed vehicle...

I am sorry for your loss. Under federal law, you have a right to tell these collectors to cease and desist contacting you. The Fair Debt...

In MN, is the surviving spouse responsible for the debts of the decesed spouse?

I am sorry for your loss. Unless your name was on the rental agreement, you have no legal obligation to pay it personally in Minnesota. As the...

If I had a car re-poed in 2005, do I still have to pay if collected on?

This is complicated. It depends on whether or not you ever made any voluntary payments on the vehicle after the repo, and how long after. ...

I wrote to collection agency in mn, told them no more phone calls, and they still called.

It doesn't make any difference who now owns the debt. The facts are as follows: a third-party bought the debt and is now collecting it. They are a...