There is not an easy answer to that. Collection laws are complicated and they get confusing in a hurry. Credit card SOL in MO is 5 years from date...

I received a 1099-C for a student loan debt that I currently make payments on. Help?

Have you run your credit report? Its important to know how many loans you have, who is holding them, what are they telling third parties about the...

2 years dish network has been charging someone elses credit card for my bill i did not realize until now. police calling me.

In the simplest terms: call a criminal defense attorney. You have no idea what issues you may create for yourself with each conversation you have...

Can a charge off account be considered 60 days late simply because it was a charge. I still pay on it, never late.

You should consider talking to a consumer protection attorney. I suggest going to http://www.naca.net/find-attorney and find an attorney in your...

Wondering what to do on civil cases about junk debt collectors. I have three collectors hounding me. One for 5 1/2 months

You have a fair amount of collection activity going on. Attempts to collect a debt are governed by a Federal law known as the FDCPA. Violations of...

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Statue of limitations for credit card debt in Kansas? Is it better to try and settle for a lesser amount than what is due?

Always before garnishment. However, there are too many moving pieces to answer that question cleanly. Do you mean by “better” cheaper or faster?...

If credit card is in collections and I have moved to different state, which state laws apply for collection purposes?

That is an interesting question, and one that I believe does not have an easy answer. The laws that technically are in place are the laws of the...

Is the debt collection valid?

While Gary is correct in that is how it should work, in my experience however, that is more aspirational. Depending on the creditor and the...

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My bank says that my loan was denied, but the dealer is saying that we should bring the first payment to them, is this legal.

This sounds extremely odd. I think you should consider long and hard as to whether this is a company you want to do business with. Consider also...

I dont know where to begin to fix my credit.

I couldn't agree with Amy more. After pulling your credit report and highlighting it, grab all of your letters and voice mails from collection...