Whats the worse that can happen to me with two unpaid payday loans....can my paycheck get garnished and can my checking account

First, "loans" that you did not authorize or receive are a recurrent problem. You are not liable. Report the attempted collection of such a loan...

Am I obligated to pay a collector if the creditor has written off the debt?

Charging off a debt does not affect the debtor's liability. It merely means that the debt can no longer be carried as a valid receivable on the...

Can a bank charge off a loan secured by land when you are not late on payments?

If you have an executed loan modification, it is binding whether or not the bank can find its copy. Whether a loan can be declared to be in...

Legal owner of a Vehical

If the title to the vehicle is in your name (or your name with the security interest of a lender noted), it is yours, and he cannot take it from you.

Subject to the Fair Debt Collection Practices Act prohibition against harassment and the statute of limitations, they can continue to collect the...

Do collection activities pertaining to a court ordered judgment qualify under the Fair Debt Collection Practices Act?

The Fair Debt Collection Practices Act generally applies to persons who "regularly" collect or attempt to collect (a) delinquent consumer-purpose...

You are not personally liable for a spouse's debts. Assets in your name are not subject to seizure unless they were placed in your name by a...

This is actually a difficult area of the law, depending on such facts as whether you were living together, whether the medical treatment was...

POST DISCLOSURE - BEFORE MEDIATION: Fighting local attorney representing huge JUNK DEBT buyer for old alleged credit card debt.

Most debt buyers cannot present competent evidence of the debt, their ownership of the debt, or the amount of the debt. The consumer is well...

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I heard that a debt buyer cant charge interest on a charged off credit card, is this true?

We represented the plaintiff in the McDonald case, which was filed in federal court under the Fair Debt Collection Practices Act. The case held...