I got an "e-loan" at Christmas. It was for $480.00. I have paid about $1000. They say I owe $1100 more.

Is this a collection agency that is harassing you? Are you sure the company that is attempting to collect the debt is the company you actually...

How can I prove an account wasn't mine with no proof, and the person who is responsible has passed away?

Did you sign your name to the card or your grandmothers? When they sued you did they attach a copy of the agreement? How do you think they found...

The software you are referring to is called Accurint and it is owned by Lexis Nexis. The software grabs all of your information and could show...

Is it possible for a University to violate laws in regards to debt collection? And what type of recourse can be taken?

The most familiar statute is the Fair Debt Collection Practices Act (FDCPA). The FDCPA does not apply to original creditors only third party...

What is the best way to settle for less money with a collections agency?

Greetings, If you want to try to settle for a smaller amount, simply give them a call and try to get a lower settlement. I know this sounds...

What are the steps for filing bankruptcy will I need credit help before I file.

Yes. You should use a bankruptcy lawyer! Most of us offer very inexpensive fees and ad the previous counselor mentioned offer free consultations.

Are collection companies entitled to the default rate of interest on a credit card.

Yes - as assignee of the debt they can get all of the benefits of the contract when the agency buys it. No, you do not have any rights because the...

How much money are you allowed to have when filing for bankruptcy?

I agree with attorney Koplen. Find a bankruptcy attorney that offers free consultations near you. Good luck!

How much in late charges can a video store charge in excess of the price of a movie

Whatever the contract you signed states. You will need to review the rental contract.

What can a Collection Agency do if I don't have any money?

You might want to talk with a bankruptcy attorney. Most of us offer free consultations. If interested, reach out to Art Matthews there in...