I have not received a mortgage statement or paid my mortgage in over a year . What is the next step ? Should I file bankruptcy

The next step depends on what you want to do (and what you "can" do). Do you want to keep the house, do you want to walk away. In either case,...

Can creditors take my money

Yes. If a creditor has a judgment and knows where you bank, then they can issue a garnishment to that account and your bank will freeze the funds...

Can a Money Judgment be vacated if ?

Where are you expecting to see the "credits?" I am not clear what you are asking. The creditor doesn't need to update the judgment amount at...

If Capitol One cannot produce a written contract then it is considered a tort and they can only collect the principal

Are you asking a questions, or making an observations.

Yes, as has been pointed out, private collection agencies can enforce federal student loans so long as they follow the right procedures. These...

If a company bought my debt from credit card co & is now suing for amount, do they have to provide original application if asked

Only if a judge orders them to provide it. The creditor nor the collection agency needs to provide a copy of ALL transactions on the account....

I want to know if I have grounds to sue a debt collector because they will not approve my unemployment deferment (student loans)

First, are these guaranteed student loans, or are the loans private student loans. If guaranteed loans, are the loans subsidized or unsubsidized....

If i pay foreclosure reinstatement amount do i still need to answer the court foreclosure complaint?

To cover yourself, assuming your intent is to pay the reinstatement, do both. Ultimately, once the reinstatement is posted, the plaintiff should...

Assignment of debt. Is the assignee subject to F D C P A guidelines

You are raising several, somewhat unrelated issues. As stated, if you really care to sort this out, get with a consumer advocate attorney and...

How do bankruptcy and judicial foreclosure interact in Oregon ? Can a homeowner still save their property ?

I can't speak for specifically to Oregon foreclosure process... But in general, I have had clients who could not get a loan modification prior...