What is the best way to pay a settlement on a judgement?

Before you make any payment, get the settlement offer in writing. However, they can dictate the method of payment, there is not much you can do...

If I am offering to settle with a debt collector before court, can they still charge me court costs and attorney fees?

I am going to assume we are talking about a run-of-the-mill debt (old credit card, payday loan, utility, etc). A negotiated settlement is just...

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Your situation is actually fairly complex. You can't think of HOA's like companies or corporation that can just cease to exist. HOA's also have a...

If someone has private student loan debt and has no real income to speak of due to hard times, can that person go bankrupt and

No. The mere act of filing bankruptcy does not eliminate private student loan debt. To discharge (eliminate) any student loan debt, the debtor must...

Being a minor is not a bar to them being sued. A minor CAN be sued. The issue is the extent of liability and the extent of the parents liability...

If someone owes me money and files bankruptcy, can I collect my money after the 7-8 year period after their filing?

No. If the debtor files bankruptcy and obtains a discharge, there is NO timeline in which you can start to collect. A bankruptcy discharge is a...

Should I pay credit cards that I have already received a 1099-C cancellation of debt on?

If the creditors cancelled the debt, there is no live debt to start paying. Why bother? There are plenty of resources to rebuilding credit....

I have two separate student loans. Is it possible to negotiate a lower payment for a lump sum payoff?

You don't mention if these loans are federal or private student loans. But in either case, there is NO settlement without default. Before anyone...

My bankruptcy was discharged in 2012 but I didn't reaffirm my car. Can I refinance or trade it in? What are my options?

NEVER take on debt for the sole purpose of trying to help your credit score. If you need a car, or a need a different car, then go do that. But...

How do I remove a HELOC charge off that is on my credit report after a short sale?

The statute of limitations has very little to do with credit reporting. The controlling law for credit reporting is the Fair Credit Reporting Act...