Credit card settlement

If you can realistically settle with the companies that's probably better for the credit report. Keep in mind that they don't have to settle so if...

Can a collection agency charge an extra fee or a daily amount (I.e.,10 cents per day)?

They can if it's part of the original agreement which in this country usually says they can tack on reasonable fees and charges. I would guess it's...

If you are trying to find a lawyer, Avvo's attorney finder is a good place to look. Attorneys can't respond to this question and say "Hire me"...

Shouldn't my credit report show a zero balance for my HELOC?

Sounds like it should show a $0 balance. I would follow up with the company first to make sure they don't think any balance is still owed. Then...

Do I need an attorney for a law suit from 1 credit card company?

Your goal is to get something in writing you can enforce. Hopefully with the payment plan, you got them to agree not to pursue you for a judgment,...

The first thing to assess is whether this collector is going to play by the rules. Many companies buy up debts that are old just to try to pressure...

Bankruptcy

Several things to consider. 1 is how long it will take for him to pay the debt back. If it's hopeless bankruptcy may be an option although that is...

What can I do to stop harassing calls /threats from a agency that bought a payday loan debt. Even though SOL time has expired.

I would do some investigating of the agency. The FTC or attorney general may already know about them. The more a collector wants to do everything...

How to prove to a debt collection agency that a judgement was submitted in court for a lessor amount that the collection agency

The question will be what can you prove. The court certainly only lets them collect the right amount, so if they are backing out of an agreement,...

In VA, does a collector have the right 2 collect a 9 yr old debt? Do banks have 2 comply with a garnishment not signed by judge?

I agree with Ms. Bunce that facing the overall situation is more important than trying to win this one issue. A judgment does not go away easily. A...