What is considered a valid defense to civil suit made by a creditor.

Valid defenses would be they have the wrong person, you are not liable for the charges due to fraud, some or all of the charges were disputed or...

What are my options if a debt collection agency prevents me from disputing a debt?

If you are talking about a court ordered garnishment, you can't really dispute the debt any longer. But the court procedures allow you to request...

How can I resolve a collection that i no longer a member of?

Sounds like you need to clear who owes what on the time share. If you and your father signed up for it, they usually don't just let you out of the...

If the plaintiff agrees the debt is paid, they usually file a motion to dismiss or just ask for a dismissal when they are in court. The bad news is...

What do I need to file?......

I'm not sure what a fact sheet is, but generally, the procedure you would use is a citation to discover assets where you can command the...

A credit union has been ruining my husband's credit for the last 5 years by reporting false information. How can we fix this?

The 2 approaches are to go the credit reporting agency to dispute the report, or go to the credit union to find out why they are reporting it this...

Can I send copies of a judgment to companies who provided references?

I agree with Mr. Rinaldi. As long as you stick with the facts, you are in pretty safe territory. That does not mean you won't get sued since anyone...

Since the debt was listed as unsecure and BB&T didn't contest it do the still have a right to there lien

You would need some sort of additional motion to get rid of the lien, and in Chapter 7 there are only a few options that often don't apply to...

How do you know when a settlement is over?

Sounds like you have reached terms on a settlement, but if you fail to pay, then you have some events that will happen automatically. The biggest...

Can debt collector's go after an injury settlement?

Yes, they could but there are procedures. Normal creditors have to sue you, get a judgment, and then start looking into your assets. You then get...