Notices have to be sent to the last known address. If you have not informed the lender of your current address in writing, do so at once, by...

We brought a car on Christmas Eve and traded our car in got finance all approved signed contract done deal only to be called up

The answer depends on what warranties you gave in the transaction documents (a non-merchant seller does not give any implied warranties) and what...

Teller marketing calls about me being approve for auto loan. Always calling me over ten different numbers going on for a year.

You may have a claim if (1) the calls are to a residential phone (landline or cell) on the do not call list, (2) the calls are to a residential...

I am being sued by a collection agency for credit card debt, what do i need to say in court?

It is relevant only if a judgment is entered against you. It is desirable to avoid that if possible. If you qualify for free legal services or...

Do I need an attorney?

Any legitimate debt collector will provide the "notice of debt" required by the Fair Debt Collection Practices Act. Their refusal to provide...

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I found out through my bank that my account has been frozen. I read that I can request a "wild card" in Illinois

1. There is a $4,000 "wildcard" exemption applicable to any assets not otherwise exempt, including a bank account. File a document stating that...

Bank made mistake release the lean on my car and send pay off letter now wants it back

If you did not in fact pay the loan off, bring or send it back. You are not entitled to take advantage of the bank's error.

Can an Internet payday loan company threaten to have you arrested for an Internet payday loan from 5 years ago?

No. Failure to repay a debt is not fraud. Standing on your rights not to repay an illegal loan is not a crime. If the threats are from third...

Am I still responsible for this debt?

Consult a consumer lawyer. Texas has a four year statute of limitations which may bar any claim against you. Do not admit the debt or pay or...

What are my rights against an online payday loan company that is trying to threaten and harass me? They are saying

You cannot be prosecuted. Nonpayment of loans is not criminal. Threats of that nature by a debt collector violate the Fair Debt Collection...