Can a debt collection agency take me to court and file a judgment against me for an old payday loan from2006?

Such calls are likely scams. The statute of limitations in Wisconsin is not more than 6 years, measured from default/ last payment. The call...

Is the bank at fault for causing this debt to occur? Can I sue the bank to fight paying off this debt myself?

No. The person depositing/ endorsing the check warrants that it is good. The bank in which the check is deposited does not warrant that it is...

Can I legally close my checking account if I know I have payday loans coming out of it?

Yes. Also, you do not indicate where you got the loans. If these are Internet payday loans, check with your state AG or financial institutions...

Is this a real summons, or this is fraud?

This has every earmark of a scam. Report the calls to law enforcement (state AG, Consumer Financial Protection Bureau, Federal Trade Commission). ...

Yes. It is reasonable for the bank to request the full text of a document affecting title to the property. Banks can refuse to do business with...

Can I sue a Wells Fargo?

Send a "notice of billing error" to the address on the statement for billing errors, pointing out the above and asking for a refund. If they fail...

Does the Federal Fair Debt Collection Practices Act apply when debtor and collector are both in same state?

No, it applies. There is also an Illinois Collection Agency Act.

The provision of the information to a third party is an FDCPA violation, but they may (or may not) have a bona fide error defense. Your mother...

She has that right by statute (Garn St. Germain Act). Can be put on title by quitclaim from you to the two of you.

Can i go to jail for a loan i didnt claim?

Both the request for the advance fee and the current contact are scams. Do not pay.