I live in Los Angeles and have a collection agency leaving messages saying that they will pursue fraud charges if i don' contact

If your concern is whether you will face criminal charges, this is highly unlikely. Collection agencies are trying to collect money that is owed,...

No. You will not go to jail for failure to pay back this debt. Based on your circumstances, it sounds like you need to spend your money on more...

Made a mistake. My civil demand letter says "your account is very delinquent" . Does this make a difference?

Nor do they want to institute a lawsuit for that amount. Whether they use the term "your account" makes no difference. If it is an open account...

The statute of limitations for written agreements, which payday loans will usually fall into, is four years. The four year statute begins on the...

I am being sued and received the summons today but it says it was filed 11/5/2013. Does that mean it's a default judgment?

No, a filing date is not the date for which the clock starts running to respond. The important date for your purposes is the service date and...

Civil demand letter now says "your case is very delinquent". Should I pay the $100 that I owe? Will they take me to court?

The letter's use of the term "case" does not necessarily indicate that an actual court case exists. Clearly, they have your address and are able...

Do I have 30 days to respond to a letter stating I may be sued/possible judgment for old debt, with out ever being served?

Based on the information you provided here, there isn't a lawsuit at this time. The letter is simply a demand to contact the attorney/debt...

I live on social security $1,000 a month. No other income. I have a cival debt owed. can they attach my social security.

Social Security income is exempt from collection for a civil judgment/debt. If a bank account is levied containing money received in this way, an...

What is the verbatim way to ask this?

There are different approaches depending on whether or not you are currently involved in a lawsuit or not. If so, counsel's request for production...

If your parents are indeed in the situation you state, only social security income and no assets, they are essentially judgment proof. As counsel...