Is this letter from a law firm something to worry about? We are hoping to get this credit card debt charged off. And a bk Q.

The language you quoted from the letter is required by the Fair Debt Collection Practices Act, so you don't need to worry about it per se. I am...

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Do I have any recourse when the Direct Loan Servicing Agency denies my request to reverse a negative report to credit bureaus?

If what they are reporting is not accurate, you can dispute the manner in which they are reporting the loan to the credit bureaus, and if they do...

Can bills be collected on for 3 yrs to now that they have not brought forward a balance to show me I owed anything?

They are still well within the statute of limitations, so they are legally allowed to attempt to collect the balance. Whether what they did was...

I have been making payments on a past cc debt Ive been in the agreement for 3 months they are still taking me to court

I recommend consulting an attorney who specializes in consumer law about your situation. After hearing all of the facts they could tell you if any...

I am assuming the realtor was hired by your mortgage company and that you are behind on the mortgage based on the tag you used. Most mortgages...

I have been over charged on my commercial space rent for 5 years, I am being charged for 880 sqft, when I only occupy 840 sqft.

You should talk to an attorney who handles commercial leasing, or a tenant side commercial leasing agent. They will need to see your lease to...

Do I have any legal action here?

I recommend contacting a consumer attorney about your situation. The statute of limitations for a written contract is generally 10 years in...

Credit Card Accounts

I practice consumer law, but am not a bankruptcy attorney. However, I believe that if they are truly separate accounts, where each one of you is...

I recommend contacting the Lawyer's Committee for Better Housing for advice -- they have a special protject which advises tentants impacted by...

Can you file a motion to vacate a judgement after a judgement has been entered, if you were not served in Cook County, IL?

The other posters are correct that you can file a motion to vacate the judgment and quash service. There is an advice desk in the Municipal...