I'm not sure what "profile names" are, but I assume that you have been attacked by the autocorrect feature and meant to say "joint names."...

Regrettably, none of the information you provided is adequate to allow any volunteer attorneys in this forum to say whether you meet the...

Assigning or selling a debt to a third party for collection is a creditor's absolute right. Frankly, this process has been happening since the days...

A HELOC is a mortgage. If the lender obtained the correct paperwork and recorded it when you obtained the loan, this lender can foreclose. If, at...

This is an issue of local law, but typically, possession is 9/10 of the law. You may want to investigate your rights under mechanics liens, but...

The judge has given you extra time to cut you some slack to make the required payoff. Redemption typically requires payment of a lump sum of cash...

Well, I am confused. If you were "served papers," this creditor has already filed a lawsuit against you. So your choice is to respond to the...

If there is a court judgment against you, it can exist for a long time. It may even, like a Vampire, enjoy virtual immortality, being eligible to...

How much contact information did you get about the caller? An arbitrator acts as a quasi-judicial official, not a debt collector. In many states,...

If wage garnishment is legal in your state, and if a creditor obtains a judgment, being in a private debt relief program won't protect you from...