It is time for you to get a lawyer. A forum like this is good for general guidance, but not appropriate for specific advice like "you can do this,...

It sounds like the original creditor hired the law firm to represent them. If you have a settlement offer, make it to the law firm, because your...

Your ex doesn't have any better rights to the vehicle than you yourself have. However, if you are not making the payments on the truck and the...

Where does the lien that's on my house go when I move or sell my house?

Without being able to see the written documents, we can only guess. And my best guess is that if you sell your home, the lienholder will be asked...

Can a loan company purposely refuse payment for the purpose of charging late fees?

That sort of conduct is illegal. You can make a complaint here:...

I am so very sorry. I wish you the best possible outcome. I suggest you share this information with the landlord. I would be very surprised if the...

There is an easier way for you to make sense out of this mess. Basically, you have a car repossession. The got impounded and you did not pay...

A 20 year old debt has probably grown very high because of accumulated interest. It is well worth your while to see a bankruptcy lawyer...

Will I be liable to pay someone back for updates they made to my car while they were borrowing it?

Tell him to go pound sand. He has no legal basis to demand money from you. I assume he just went ahead and did these things without asking you in...

Here is the advice I think you are looking for in my Guide on how to settle debts: https://www.avvo.com/legal-guides/ugc/settle-debts-like-a-pro