My vehicle was totaled. Am I obligated to payoff the loan, or can I use the insurance payout to get another vehicle?

1. Review the loan agreement and see if you have "gap coverage," which pays any difference between the amount owed and the amount of insurance...

Can I sue to have letters of collection stopped for bills that do not belong to me?

Notify each person trying to collect money that you are not the debtor, in writing. Check your credit reports to see if any of these debts appear....

We are familiar with this. You are being scammed. Forward the email to law enforcement. Do not respond.

Can they put me in jail for a debt I was not aware of?

Threats of the nature you describe are indicative of scammers who have no legal right to collect any loan you may have. Report them to law...

Can creditors retrieve judgments from private disability insurance offered by employers (STD/LTD)?

Disability payments cannot be garnished. I suggest that you consult a lawyer who handles such matters regarding the collection case. ...

Is this a scam? What should I do?

This has every earmark of a scam. Do not pay/ provide information. Do report to law enforcement (Federal Trade Commission, Consumer Financial...

Can I get charged with a felony over a loan that is now $803 after all the fees?

Threats of the nature you describe are indicative of scammers who have no legal right to collect any loan you may have. Do not assume that any loan...

Can I get my down payment back?

The car dealer can sell the contract to anyone it wants; you have no choice. However, you are entitled to reasonable proof of the transfer, such...

What should I do?

Do not ignore the letter. Send a letter disputing that you owe any money on the ground you indicated. Ask for anything you signed and an account...

How can a luffkin Texas debt collector be calling me about a payday loan when I have never lived in that state I'm in Cali.

Threats of the nature you describe are indicative of scammers who have no legal right to collect any loan you may have. Report them to law...