Is there really no more way to collect from a borrower whose account is over 4 years old?

You can still make efforts to collect, but most likely are barred from collecting through the courts, by way of a judgment. There are ways that the...

I recieved a summon, and I'm trying to settle out of court. I sent a letter to credit company with my offer and debt validation.

I agree with my colleague. You need to get an attorney as soon as possible. No telling when you will hear back from them, if at all. They will be...

Chapter 7 California System 2 exemptions:

The California "wildcard" exemption is contained in California Code of Civil Procedure 703.140. The new, higher amount mentioned does not begin...

Time Warner Cable keeps calling and harassing me. They leave messages to call back. How can I deal with them?

You might want to draft a letter, or have an attorney draft one, requesting that they remedy the problem and cease all communications in reference...

I have a charged off HELOT that will be " on the record " until 2016 for $ 94000 .

Are the payments being put into escrow in order to build up for a settlement? What happens in the future, as for these monthly payments, depends on...

How can I do to follow a collection after we won a money judgment from the eviction of our ex-tenants?

Wage garnishment is not the only way to collect on a judgment. As mentioned, a "debtor examination" might be helpful. This examination is conducted...

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Can a creditor with a judgment garnish my federal or California state tax refund?

No. Generally speaking, only the government can garnish a refund.

You cannot just use different sections of the code. You either use the 704 exemptions or the 703 exemptions, you cannot mix and match. The 703...

I filed bankruptcy 3 years ago, I included my home in the bankruptcy. Citi bank has still not forclosed. Why?

You need to consult with a local attorney who specializes in foreclosures to go over your options. You should do that quickly. Your options will...

If I file for chapter 7 bankruptcy will I loose the stuuf I have. How my credit will be?

Whether you are able to keep your property will be determined by the value of the property and the set of exemptions that are used. In California,...