Took an unsecured loan from a bank and defaulted on it. Now i'm on Chexsystems?

If you have a dispute with how your loan default was reported to the credit unions you can dispute that with the credit bureaus. There should be...

What is I submit a response to a request for admission late? What's next (hearing, settlement, garnishment, etc) ?

You should submit responses as soon as possible and provide a proof of service to show you responded. The other party may file a motion to compel...

Debt Collector states; I'm required by law to have a deposition of intent on a recorded line or written communication.

The debt collector's statement, if not currently in litigation, is false. You are not required to take a deposition unless you are served with a...

Selected as the best answer

Follow up question- Pretty sure I'm about to be served?

Giving the other side information while you are involved in any litigation and/or arbitration is only to your benefit so that you will have notice...

I need help filing out a claim of exception

You may also seek help from a local pro bono location, perhaps legal aid or something similar in your area.

I have not been able to pay back some payday loans due to job loss. Now one of the companies is threatening me.

You will not be arrested for failure to pay a debt. This seems now to be a new trend with payday loan businesses where they are threatening...

I received a summons for a debit if I pay it off prior to responding to the summons will the case be dismissed.

If you are to make an agreement to settle the matter prior to filing your responsive pleading in the case, it should be part of the agreement that...

I have been filed with a debit summons can I just settle out of court or do I have to file the summons.

Yes, settlement of the suit is possible at any time including prior to you responding to the summons and complaint. If this is an avenue you are...

Can an unwritten payment arrangement change a credit card contract from written to oral?

Your statute of limitations will run from the date of the breach. The breach is of the original written agreement that you had with the creditor -...

Some accounts suddenly appeared on my credit report as if I had just defaulted on them. If mine, they are 10+ years old. Legal?

You will need to contact the credit bureaus and challenge the reporting. Midland will have to answer to the bureaus by validating the report.