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...

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...