A collection agency is trying to collect on something I do not owe, what should I do? Do I need legal help?

This is like a scam. They have been hitting people all over Chicago. If they are legit they will send you a debt validation. Contact a consumer...

Judicial purchase and unknown resident refuse to give keys

Hire a lawyer. It is a big legal no no to complete a self help eviction. Do not do it. Evict him through the courts. Period.

How long do I have to file a reaffirmation on mortgage that was included in a bankruptcy in 2010 and has now been modified?

Do not reaffirm your mortgage. Are they asking you to reaffirm? This is a discharge violation under federal law. Please advise your attorney ASAP.

Is there a time frame that I can't be served with foreclosure papers (like not after 8 or something)?

You may have a case against the process server and the attorney who hired them. Contact an attorney ASAP. It's good that they served you late as I...

Do I need an attorney?

Raj is right. You need to contact an attorney immediately. You must vacate that judgment.

Credit repair

Pull your credit and properly disputes the items. If they are not removed as they should be legally then see an attorney.

When filing a chapter 7 for the second time do u have to wait 8 years from filing date or 8years from your discharge dage

Mr. Grambell's answers as always are spot on. I agree completely.

Mortgage loan wrongful foreclosures.

Yes you have recourse. If you had a modification and after it was sold the new services claimed otherwise and reported otherwise to the credit...

Dealer added insurance charges without asking.

Call and ask them why the charge was added. If it was an error they will remove it. If it was not tell you feel taken advantage of and you have...

Contact your post office and ask to see what options there are.