Can they legally change the account open date and if a judgment is made how long does it stay on my credit report.

First off, Social Security benefits are non-garnishable. That means if you take proactive steps, they can't take any money from you. They can...

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Am I being SCAMMED here?

Dan is giving good advice. I hear this same story at least once a week. At first blush, this appears to be a scam. Your reaching out for advice is...

How can I clear my background check? I have never been in trouble. But when I get my name ran her stuff is on my background.

I hate to disagree with fellow attorneys, but the law does NOT vary state by state on this. Consumer identity is largely governed by a Federal law...

Do the contents of this letter constitute violation/s of the Fair Debt Collection Practices Act due to Overshadowing, etc.?

I suggest going to http://www.consumeradvocates.org/find-attorney and find an attorney in your area who handles FDCPA, FCRA, or cases involving...

Midland Funding LLC has a judgement placed against my husband for a debt that is unknown. What can we do now?

Go to www.jococourts.org and look up your names. It will give you a timeline and a case number to start tracking all of this down. Collection...

Is this a situation that a law suit should be considered?

If I am understanding your situation, I can't disagree with the other attorney strenuously enough. Too many companies take small amounts of money...

How long can a foreclosure stay on your credit report if you had a bankruptcy discharge after the foreclosure

Mr Harrell is largely correct. The Chapter 7 filing can stay on a credit report for up to 10 years from the date of discharge. Foreclosures,...

Bought car 2002, repossessed in 2003. on disability.. fixed income.. got garnishment and appliction order through bank -43540

First off, disability is non-garnishable. That means if you take proactive steps, they can't take any money from you. Attempts to collect a debt...

Is this legal for a company to do this to a credit score?

While I agree with fellow attorneys, contacting AT&T, the debt collectors or the Credit Reporting agencies is steps 4, 5 and 3, respectively. This...

Attempts to collect a debt are governed by a Federal law known as the FDCPA (fair debt collection practices act). However, as it affects your...