Is this legit? Is this legal?

This is a scam. Do not respond. Do report them to law enforcement (state Attorney General, Consumer Financial Protection Bureau, Federal Trade...

Brothers

If the calls are from a third party collection agency or attorney and not the bank itself, the messages violate the Fair Debt Collection Practices...

What are my options

There are Illinois requirements regarding notice to a cosigner prior to collection action that certain student loan companies ignore. These may...

This is almost certainly a scam. Do not pay. Do not provide information. If you have provided account information your account has been...

Is it legal for them to call my place of work for this reason?

It is a violation of the Fair Debt Collection Practices Act for a debt collector to leave a message with an employer or other third party...

If we are late on a payment or in default on a credit card or credit union, can they freeze our bank account

Under the Truth in Lending Act, this is permissible in the case of a credit card if and only if your credit agreement provides for it.

How do I get my mortgage company to respond to my requests ??

Send a letter marked "qualified written request" with your name, address, and account number to the address for such requests listed on a monthly...

What can I do? Can they make me pay that back? If they can, why should I pay for someone else's mistake?

You do not get to keep money sent to you by mistake. Also, you do not indicate that you confirmed the transfer with the person that was supposed...

How do I get my money if that person doesn't have it?

Consult your state labor department or an employment attorney. Generally, employers have a statutory duty to pay their employee within a...

Can they do that without a court order?

These calls are common. They are a scam. A drivers license cannot be suspended for failing to repay a private loan. Report to your state...