What happens if you want to refinance?

You don't say, but i assume you had a Chapter 7 bankruptcy and you did not reaffirm the mortgage. That would explain why it does not show up on...

Can a payday loan or any type of loan less than 500 garnish my wages?

Any creditor with a judgment against you may garnish your wages if the law in your state permits a garnishment. The size of the judgment does not...

What will happen,—BET U NEVER HAD THIS Q— filed ch 13, later the house sold sheriff sale, think the mtg attorney missed it

This is not a unique problem, it does come up occasionally. Here is my view of this situation: The bankruptcy puts a stop on all creditor...

What is the statute of limitations in AZ for "Civil Action for possession" to be removed from credit reports?

The rule is the same everywhere. It is on your report for a total of 7 years. Also, be aware the court record of the eviction filing may last...

What do I do about a company that refuses to update incorrect information on my credit report according to law?

The problem is that the Rep didn't really know how to explain it correctly. Of course, accounts that were paid off are paid off. What the Rep...

Are they bluffing? Not likely, it is a violation of law for a debt collector to threaten you with a legal proceeding that they do not intend to...

I live in New Mexico! Can i be sued an can my wages be garnished while in a debt settlement program to try and resolve my debt?

Your debt settlement program will not protect you. It does not stop any creditor from suing you. The whole rest of the world could not care less...

If i file chapter 7 bankruptcy before my eviction can they still put the eviction on my public record ?

I expect the eviction to be on your record no matter when you file BK. After the BK your record may show the eviction judgment as "discharged in...

It looks to be 5 years from the date payment was due. I suggest you immediately submit a dispute wherever this appears on credit reports,...

If I receive a judgement in my favor in small claims court, how do I attempt to collect what I am owed?

There are a number to things you can do to collect on a judgment. You might obtain a writ of execution against the defendant's assets such as bank...