You may have a claim. Have a consumer attorney review the matter

You need to make certain that no judgment is entered against you, even if you pay. Follow the instructions on the summons. Cook County...

There is a possible violation. An attorney would need to see the credit agreement and account statements to tell.

Depending on the content, spam texts are a violation of law if you were on the Do Not Call list or instructed the spammer not to call, and you...

You are being scammed. Statute of limitations is 5 years since last payment/ default, whichever is later.

It is either 4 or 6 years, depending on the type of contract, unless someone obtained a judgment against you.

It is not usual to include a release in such an order Whether it is desirable depends on what kind of claims you may have against them. Also on...

The phraseology and lack of compliance with the Fair Debt Collection Practices Act indicates it is a scam

The estate is liable, if one exists. The spouse probably is not. A home is not subject to the debt if held as joint tenants with right of...

Demand a refund. You have a claim if it is not given. It may or may not be worth pursuing. See a lawyer.