So today I got a call from a payday loan company that I took out maybe less then two years ago I've lost my job and haven't paid

You should speak to a consumer rights and FDCPA attorney in your area. The creditor may have violated the law and you may recover against them.

Settlement offer on heloc. do i need a written agreement?

With that much debt and depending on what other debt you have; along with your overall financial situation you should consider having a...

19 year old full-time student live with mother in apartment must she sign a tenant lease also even if she is still a dependent

As a general premis I agree with the other commentor, but you should speak to a Texas attorney to confirm no TX statute exists that prevents the...

I am being charged with breech of trust and credit card fraud how much time amI facing?

This is the type of question to not post online, because if discovered by police may be viewed as an admission of guilt and used against you. You...

What kind of attorney (if any) do I need?

You may also have a defamation claim against your ex and may be able to obtain an injunction against your ex. You should speak to an attorney that...

I believe I have paid off my debt, what steps do Ihave to take to stop the Wage garnishment?

The judgment will include interest accruing at the contract rate and the garnishment would have added additional court costs and possibly attorney...

What does order to show cause?

I agree with the other comments but want to add that if you fail to appear a warrant will likely be issued for your arrest.

That will depend on your trustee. You should call your trustee's office to determine if they will accept the transcript. Some trustee's have a...

Am i at risk?

Seizing assets is covered by state law and I am unaware of any laws that allow a creditor to seize a tax refund. However, many states allow a bank...

Debt collection lawsuit negotiation

You should speak with an Idaho attorney to evaluate your case. Has a lawsuit been filed against you yet? I agree with the other comments, but you...