How can my bank continually put charges through my account instead of rejecting them if there is not enough cash to cover it?

Overdraft protection requires your agreement. You should obtain all of the documents relating to the account and make sure you did not agree. Ask...

What steps should I take to resolve a default judgement from an old credit card debt?

The current amount owed is $1600 plus costs plus 9% simple interest for the period from entry to present. That being said, the creditor probably...

What documents must a "junk debt buyer" present in court at trial?

The answer depends on the nature of the case; for example, credit cards often do not involve an executed contract. You should hire an attorney to...

You need to challenge this by a letter to each credit bureau that is misreporting the item. Send a copy to Santander. If they do not correct in...

I mailed my payment, creditor still had my account frozen, can I sue for damages?

1. Send a letter (always use regular as well as certified mail, or fax if you can) stating that you have tendered full payment (make sure you...

My car was repo-ed back in 2010 and Well Fargo is still reporting it as a charge-off, every month! Is this legal?

A chargeoff implies a loss on the account and there isn't one in this case. Depending on what is being reported, Wells Fargo may be violating the...

I have $36,000+ in medical bills from my pregnancy from when I was 16, what do I do?

Since the statute of limitations is probably five years, I would suggest you (1) do not pay or acknowledge the debt and (2) contact a consumer...

I can no longer afford my car payment. I already do have bad credit (due to identity thief). Should I turn the car back in?

You are liable for any deficiency. See if you can sell the car or trade it for a less expensive one. Repossession sales tend to bring low prices....

Is it legal for a loan company to change the terms of a loan without notice.

It is not proper for them to change it with or without notice, absent your agreement.

This is a scam. Report it to law enforcement. Do not pay. Do not provide information.