They can't do that if you can show it is the same debt. You will need copies of the papers from each case. If it's obvious they made a mistake,...

Is it illegal for them to switch on the application the primary and the co singer without telling us?

In reality, each of you would co-signers, co-obligors, and co-owners. I'm not sure it matters which one is first because if they ever try to...

I live in South Carolina, can midlands funding garnish my wages if they have a court judgement against me ?

As far as I can tell, yes. Here's a quick rundown: http://www.nolo.com/legal-encyclopedia/south-carolina-wage-garnishment-laws.html The article...

What are my options?

Many times a collection attorney will agree to a payment plan just to wait and see if you make the payments. If you fail to do so, you are back in...

He will have to provide an accounting for everything and you get to object if anything is illegal. But the trustee gets at least as much as needed...

Unfortunately, 25% is what the law allows. You can certainly continue to try negotiating, but bankruptcy may be your best option. Even if you...

For certain high value loans, such as mortgages, the 7 year rule does not apply i.e. the mortgage company will probably see it. Check with the FTC...

Who does a trustee look at other than me?

$1,000 is kind of a magic number. The trustee probably won't worry about a few hundred dollars unless there are lots of transfers. You should also...

How much of original debt (%), of original debt owed should I negotiate with an out of court settlement, having received summons

All I can say is they will evaluate what you offer against what they think they can get through the court. If you make a decent wage, they will get...

The contract may provide that bankruptcy is a default. As far as accidentally doing anything, all debts in a person's name must be listed in...