IF YOU ARE FACING HARDSHIP AND HAVE STUDENT LOANS TO PAY OFF; HOW DO YOU APPLY AND QUALIFY FOR A HARDSHIP DISCHARGE?

You won't get it done without an attorney. Its way too complicated.

Selected as the best answer

Do i have to pay if the collections department has my name wrong?

If it is your debt then you are liable for it.

My account has been turned over to collections for an incorrect amount, how do I fix it? Can I get it off my record.

You are entitled to have the debt validated. Look for a stock debt verification letter on the web.

There is no right answer. Either party may file it.

I need to know if I should do a debt reduction service.

Most debt consolidation fails. Do your homework. In the long run its probably a poor choice.

That means it is no longer collectible. was it paid? that is what it usually means.

Can bankruptcy wipe clean back child support with a chapter 7?

It is nondischargable in bankruptcy so you can continue collect efforts.

What steps do I need to take to accept a settlement offer?

Send a money order along with a confirmation letter and its done.

Can I claim Bankruptcy on my mortgage if foreclosure has been started?

Yes you have many options in chapters 7 and 13. You need a lawyer.

Amend the plan and surrender the car. also file a motion to purchase a new car if you wish.