If a credit report shows a credit card as written off , does a collection agency have a right to contact you and try to collect

Yes. Chargeoff is an accounting procedure. Federal regulations require that credit cards that are 180 days delinquent be removed from the books...

Creditor updated debt reported delinquentt over 9 years ago, what can I do to have it removed other than dispute

A credit card debt can remain on your report for 7 years from chargeoff or 7.5 years from the delinquency that led to chargeoff. If the debt...

Freezing Assets- bad debt

Yes. You have an exemption for the first $4,000 in funds which you have to affirmatively claim. Either appear on the return date or file a motion...

Citation to Discover Assets

A satisfaction of judgment and order dismissing the citation proceedings. The judgment debtor has the right to request vacation of the judgment...

Can i just pay my medical bill after being summoned to avoid court

Tender the money and get a receipt and stipulation to dismiss. You would be well advised to appear on return date and make certain no judgment is...

Was contacted to pay an outstanding debt from payday loan from 2010 we filed bankruptcy 3 years ago would this have been covered

Inclusion on a credit report has nothing to do with whether a debt is discharged. If the debt is on the bankrutpcy schedules, it is covered. In...

Do I need a attorney?

The content of the call indicates a scammer. According to the FTC, many of these scammers have personal information. Report the call to law...

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Unauthorized credit inquiries

Are these "hard" or "soft" inquiries. If they are "soft" inquries, for promotional purposes, they do not appear on your report. You can obtain...

Can a mortgage holder bill you for "assessed charges" after a Chapter 13 discharge in Wisconsin?

Have a consumer attorney review this. Generally an order is entered at the end of a Chapter 13 stating that the mortgage is now up to date. ...

I had a payday loan in 2006 that I paid off in 2008 now I"m getting collection calls for the same check.

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...