How do I deal with AMEX over bogus charges on my credit report, despite sending a certifed letter, with no response?

In order to dispute items on your credit reports you need to write to the credit reporting agencies specifically stating your dispute, then then...

Regarding debt collectors

Generally you do not have a claim if they had a permissible ( as defined by statue) reason to access your reports. You should consult an...

We noticed my partner JUST started getting he wages garnished, however she was NEVER NOTIFIED.

The issues you raised above would not typically constitute grounds for an objection to the garnishment, on the Nov Garnishment the plaintiff...

Should I sue, hire a collection agency or write off the bad debt?

Even if the collection process produces very little net gain, it has value in the enforcement of your agreements. In my experience as a collection...

Lender go's bankrupt,all afflicts also go down, no mortgage/or mortgage note shown on anyones assets file in court, hum

Your question makes way too many assumptions. If you are the owner of property subject to a mortgage , you know you owe money to someone and that...

Can an ex list you as a creditor in a ch 13 bankruptcy in KY if she owes you nothing but is filing bankruptcy

Yes she can list you as a creditor and should list you. Yes you may be liable to the mortgage company if there is any deficiency. You may have a...

What is a borrower's liable for property taxes & expenses when paid by a lien holder long after borrower's bankruptcy discharge?

Contractural liability under the promissory note and trust deed or mortgage was discharged inthe bankruptcy. There are imanginable fact patterns...

Yes, the trustee you are dealing with is a pitbull, yes they are trying to shake you or your partner down, and Yes they may have a basis for their...

Are debt buyers considered debt collectors?

If they bought the debt after it was delinquent they are subject to FDCPA.

I filed bankruptcy in 2009. My home was included. I want to know how long after foreclosure does it appear on your credit?

Foreclosure may not appear on your credit report at all, if ( since) your personal liability on the debt was discharged in the bankruptcy then the...