How do I know if it is all real or just a scam for my money or worse a scam to be used in something illegal?

This is the scam of the day. Do not provide financial information, anything that could be used to open an account, and do not pay money. What...

Can a law service tell a reference they have to pay the balance of. Payday loan?

The call is likely to be a scammer. The call violates the Fair Debt Collection Practices Act. The description is consistent with known scams.

Can I negotiate paying a smaller amount on a medical bill that is in the hands of a collection attorney ?

You can attempt to negotiate, but admitting the debt is not a good start. In the future, ask for legal advice BEFORE taking any action. It would...

Credit bureaus treat all inquiries within a 30 day period for a single type of credit, such as car financing, as one, so I would question whether...

Among the items of additional information are: (1) how was the land titled; (2) who were the beneficial owners of the land immediately prior to...

Can I sue a credit union for opening a credit card under my name without my authorization?

Opening a credit card without a request is a violation of the Truth in Lending Act, carrying statutory damages.

In IL, Is There A Hearing When A Party Substitutes The Judge Without Cause At The Beginning Of A Case?

A motion is necessary. It does not need to/ should not explain any reason -- that is why it is as of right. Some judges might take it...

Can I get a hull refund for my car and warranty ?

You probably have a claim against the dealer for charging you for a warranty that is not in fact issued. See a consumer protection lawyer. It...

How to appropriately settle with a debt collection attorney?

Attorney fees are recoverable only if the underlying contract so provided. Illinois allows interest at 5% unless a higher rate is specified, which...

Hospital bill sent to collections even though my insurance paid for everything

1. Dispute the debt with the agency in writing, pointing out the above facts. 2. If the agency persists, you may have a claim under the Fair...