How can I find out if an collection agency is legitmate or not.

Identifying the agency would help. Are they licensed with the Illinois Department of Financial and Professional Regulation? Have they sent you...

Can a debt appear on credit report after seven years have passed but payments have been made then entire time?

The credit reporting period is not extended by payment. However, the statute of limitations for a lawsuit (either 5 or 10 years, depending on...

Can a company cancel my services and still debit my account for ongoing services?

There are legal restrictions on automatic renewal of contracts and recurring automatic funds transfers. Consult a consumer attorney immediately, as...

I think a fake check was deposited into my bank account. I didn’t spend any of the money. Will I have to owe the bank the money?

If no one received any money from the proceeds of the fake check, the matter should be resolved by simply reversing the credit. If a third party...

You are being scammed. Report to law enforcement.

Auto Fraud / consumer fraud?

Depending on the nature and extent of the damage you may have a good consumer fraud case. See a consumer lawyer promptly. It should not cost you...

Wanted to know what will happen if the whole principle balance of 130 thousand ?

Have a consumer lawyer review this. Normally there are contractual and statutory rights to reinstate a mortgage loan even after acceleration.

Hidden charge in car purchase

"Pivotal security"? If the charge is related to the fact that you purchased on time it is a finance charge that must be disclosed as such and...

Can I go to jail for missing small claims court in Illinois?

No. Occasionally people who have judgments against them fail to appear when directed by the court to answer questions about their assets and...

How do I dispute a medical bill Medicare did not pay because the hospital did not code it correctly?

Make certain it is not on your credit report