What should I do?

You probably were scammed. Demand proof of the debt in writing. Do not provide information and do not pay. Report the contact to law enforcement.

Is it legal for a merchant to hold me to their billing policies if I've never been a customer?

You need to inform your BANK of the unauthorized debits and confirm the notice to the bank in writing IMMEDIATELY. The bank is obligated under the...

What can I do if someone signed over a check to me and the check was no good and my bank took the money back from my savings

Your only recourse is against the "friend." A person that deposits or cashes a check (you) warrant that it is good.

A utility company stole $676.75 from my account when they debited my account in error and refuse to correct it.

Immediately notify your bank that the transfer was unauthorized. Confirm in writing. The bank must investigate and return the money. If they...

What legal actions can I take?

You can sue the person where she resides in the US.

You need a mortgage or deed of trust in addition to a note. Consult an attorney and have one prepared that complies with local law.

If a payday loan co. Sues you don't they have to let you know. And can the garnish my pay quickly?

You are being scammed. Do not pay and do not provide information. Report the call to law enforcement.

Can my wages be garnished or my bank account levied if my disposable earnings aren't more than minimum wage x 30?

Consult a local lawyer about vacating the judgment, which is something that should be done in any event.

I am afraid that a person who cashes or deposits a check warrants that it is good, so you owe the money. You may have a claim against the person...

Should I file a wage claim?

Notify the bank and its regulator in writing of the facts you have described. Copy the employer. If it is not resolved complain to your state...