Can I send a letter to this third part and ask for the signed contract between them and me, should I put request for production

You are wise to be suspicious, but I am also a little puzzled by your facts. If nothing is in court, then dispute the debt and ask for verification...

I would say don't use the debit card because I have heard too many horror stories about ongoing debits. Credit cards are a little safer, but still...

Debt

Debt collectors are required to say who they work for and who they are collecting for. If they don't, you should be very suspicious that they can't...

Would a deed in lieu of foreclosure be a good idea for my situation?

For starters, showing your bankruptcy papers should stop them from hounding you for any debt. Your personal liability was discharged so all that...

Is it possible to have a mortgage AND a deed of trust on the same property?

I think it's possible. The deed of trust states who owns the property whereas the mortgage is a lien granted by the owner to the mortgagee. I...

Hi, I live in Minnesota. Our home was recently foreclosed on and there was a sheriff's sale on December 31st 3013.

The sheriff coming to your house is never a good thing. They will most likely be there to force you out of the house. Unless there's something...

What happens to my credit if my hospital bill (5000 dollars) goes to a collection agency? ( I have no credit)

If you have never worked, you should be able to show the court that you cannot pay the debt. They can try and go after your bank account or...

Can a collection agency collect interest on a past due medical debt?

Yes, they can add interest. It may in your agreement with the doctor, and they may be able to tack on attorney's fees too. If you have the money to...

Can a chapter 7 bankruptcy make more damage to rent an apartment?

I understand landlords prefer to see a bankruptcy than a past eviction that was not addressed. The other advantage is the bankruptcy can at least...

What is considered to be illegal debt collection proceeders

Debt collectors need to follow the Fair Debt Collection Practices Act, but they have to a third party collector. If the company you owe the debt to...