What can I do to get my money back from them, this has caused late payments and a lot of stress

When dealing with collectors, do it in writing. Supply your accounting and request they provide you with a ledger showing how there's still a...

How can I get the wage garnishment amount reduced?

The amount they can take is set by exemption law and appears to allow you to keep the median income amount for Utah....

If I sold my home do I owe payments of interest accrued on my second beyond the date of my chapter 7 bankruptcy discharge date?

What the others said is accurate, however, if you reaffirmed the debt in your bankruptcy, your personal liability remains. Depending on the value...

When I wasn't driving the car can they do anything on my license?

I don't know about MO specifically, but most of the time they can go after the owner of the car as well as the driver. You might be able to defend...

My question is can this be taken off my credit report since it is hindering any kind of credit or financing I would like to get

The US Trustee's office and US Attorney's office always want to hear about fraud. There should be an office in Nashville. As for the credit report,...

Do I have to pay this late fee since I paid the bill in full before I received her collection letter?

Your question is really one of contract rights. If you had a formal agreement to make these payments, and you lived up to the due dates, you can...

If whomever purchases at auction, my HE of $50k, can I be evicted from my home? What can I do to prevent eviction, keep my home?

Usually, the 2d mortgage/heloc will not proceed with foreclosure unless they think there's enough value there to pay off the first mortgage and...

Usually they won't bother foreclosing if they won't receive any money, and the first mortgage does have to be paid off before the second receives...

How do I collect my judgement?

You may not be able to collect. Certainly not from social security money. These people might be willing to make a deal though. You are allowed to...

If we buy a house with no money down on land contract will a bankruptcy consider it ours or the land contract owner

Any interest you have, even if only partial, is part of the bankruptcy. The value of the interest has to be shown, including how much of down...