Should I try to file for bankruptcy or just let it go completely and wait and see? I worry about a wage garnishment or tax lien

Bankruptcy itself won't get rid of student loans. Regarding the federal loans, consider switching to REPAYE. Your servicer should have a loan...

How to dispute the insurance's denial of liability?

In a case where you have disputed liability, it's best that you contact an experienced attorney to review the facts with you, and if you were...

Which is more damaging to my credit score; debt management or bankruptcy?

Bankruptcy is certainly an option, but if you are being harassed, a Consumer Protection attorney can help you stop the harassment, and in certain...

The statute of limitations is 4 years. If the collection agency is harassing you, you definitely need to speak with a consumer protection attorney...

Has SOL expired on this and can this legally be put on my credit report now, after 6+ years?

They can report the debt for up to 7 years, after which they may attempt to re-age the debt. Talk to a consumer protection attorney about your...

Is this Bait and switch? Am I entitled to to more of a refund than 15%? Could a class action lawsuit result in this instance?

If you look at the terms & conditions on Bookings.com, there is a mandatory arbitration clause.

Can I get the additional funds from quilty party to cover my loss?

You should definitely speak with an attorney about your options. Were you injured in the accident? If so, then speak with a personal injury...

How can I find out which accounts have gone to collections and which have been charged off and no further action will be taken?

If you are being abused and harassed by debt collectors, you really need to speak with a consumer protection attorney, who can help you stop all...

Hasn't the statute on limitations run out? Can they win in court?

Don't pay them a dime. Dispute the validity of the debt, and talk to a consumer protection attorney to see if you can rescind the contract.

Do I still have to pay the collection debt after 4 years?

You can raise the statute of limitations (SOL) defense in case they do sue you past the SOL. The debt can stay on your credit report for 7 years. ...