A collector entered a payment arrangement in my file that I did not agree to.

Put your complaint in writing. Send one original by regular mail (USPS) and another original by certified mail.t

In a chapter 7 bk can I keep my utilitys on without paying the bill? I know your gonna say ask your lawyer. well pro se hear.

You wrote, "In a chapter 7 bk can I keep my utilitys on without paying the bill?" A: Yes. It is possible.

Can i file for bankrupcy..

Your cry for help can best be answered by consulting with a local bankruptcy attorney. Please schedule: your sanity and two toddlers are worth it.

How to get a debt buyer..or can i sue Heald College for peurpresure i was only 17

You wrote, "can i sue Heald College for peurpresure i was only 17?" A: No. If you signed a contract as a minor, that is a different issue:...

How to proceed when ex stopped paying credit accounts from decree? She has paid partial payments on som $0 to others...

This question really belongs in the divorce section, but Avvo no longer allows us attorneys to modify categories... Alas... If the decretal / PDL...

I have bad credit. If someone with good credit puts me as a second user on there credit card, will that help my credit score?

As attorney Corson succinctly noted, an authorized user of a credit line gains no scoring advantage. If you become a co-obligor, your score...

Outstanding personal loan.

You wrote, "I loaned a relative large amount 25 years ago... In case he refuses,do I have any legal standing to make him pay,in view of the fact it...

What does a trustee look at as far as income/expenses?

If you pass the Means Test, your food budget will not be relevant, irrespective of what part of the hog you consume--high or low. Gifts, as...

Some states allow a sort of pre-registration of accounts as social security only: check with your bank. Your veteran's benefits are not protected...

How do you determine if you have a case of fraud in a debt collection. Have all of the documentation. No SOL, correct?

You wrote you were, "notoriously served in a state i do not live in...filed the summons... in Nov 2008." A: If I have correctly interpreted your...