In addition to determining if your ex actually signed the release, you need to deal with the debt collection company. You said Sentry contacted...

Do I have enough debt to file bankrupcy?

I recommend you visit a debt settlement company. The debt settlement company will help you save up a certain amount of money which the company...

How to fight against a collections company? The HOA turned over my account to collections.

Did the HOA place a lien on your property? The debt collectors are much easier to deal with than the lien.

Should I retain an attorney prior to defaulting on a payday/installment loan?

There isn't much an attorney can do for you at this stage and would probably be more expensive than the payday resolution company. As you've...

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Can a 3rd party debt collector report account to credit bureau, if they haven't validated the debt to me?

A third party debt collector is permitted to credit report your account before it has validated your debt. However, if you dispute the debt, the...

Can I be throwed in jail over a payday loan my intention was to pay them back but bils was pilling now im going to jail

Is the payday lender calling your or have they hired a third party debt collector? If a debt collector, get the name of the debt collection...

Can you be criminally prosecuted for a bounced payday loan check that has resurfaced seven years later?

I agree that you should obtain the name of the collector and the debt collection company. They're in violation of the RFDCPA and the FDCPA for...

If I default on a payday loan and attempt to make other payment arrangements with them, can they contact my employer?

The payday lender is not permitted to disclose your debt to a third party, other than your spouse, attorney or credit reporting agency. If they do...

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Does the original creditor have a right to deny you credit if you have had a charge off even though it was settled?

I agree with my colleague that no creditor is legally required to extend you credit. Further, the credit card company keeps it's own records. It...

I am getting activity on my credit reports that show 4 year old charge off accounts are in collections, they are with 2

The statute of limitations is a defense that can be used during litigation. It does not apply to collections. In other words, if your debt is...