How to answer an "amicable" letter received from second mortgage that didn't accept the settlement neither loan modification.

There are no government programs available to allow a loan modification on any second mortgage. No government program means the lender can't get...

I would suggest that you monitor your credit carefully while your husband is chosing to play this game. In some instances, community property laws...

What does this mean?

Most creditors will sue you in your home state if you fail to pay them. I don't think that the fact that you may have used the credit card while...

Is it a crime to contact FB contacts

If this creditor was a collector on behalf of someone else, this action could be a violation of the FDCPA (Fair Debt Collection Practices Act). ...

In washington state can a collection agency refuse to take a payment if it's what we can afford?

People always believe that they only have to pay what they decide they can afford and that a creditor has to accept this. They don't! In most...

My corporation filed bankruptcy and then a creditor foreclosed on my bank account. How do i get the money back

You may have to file a motion with the bankruptcy court requesting that the creditor be held in contempt of court for a violation of the bankruptcy...

Is it ethical for a bankruptcy lawyer to ask immigration questions?

Communications between you & your attorney are always confidential. There would be a problem with ethics if your bankruptcy attorney were to...

I have a hospital bill. I called to set up payments. I offered $50.00 they asked could I do $100. told them no. They sent me an

For some reason, people believe that hopsitals cannot sue them & must accept what a person feels they can afford to pay. People believe that as...

How should I send a copy of the Answer to the attorney representing the credit card company? Should it be certified or regular?

In most states, an answer may be mailed to the attorney for the Plaintiff by regular mail. However, court rules vary from state to state, so you...

Can an insurance co. garnish wages or take DL for a debt that is not mine?

If you are sued, you need to respond immediately. You also need to contact DMV right away or they could take away your drivers licenses. You...