Send a letter of dispute to the credit bureaus. They must investigate and validate the debt. If the creditor cannot validate it because of lack of...

A company has contacted me saying I owe money on a deficiency balance I already settled on. Do I still owe?

No. You settled for a compromised amount. You have a claim for breach of contract and FDCPA violations

Do I need to use Debt Consolidation or declare bankruptcy?

That's a difficult question without more information. Even in bankruptcy there is a homestead exemption that will protect your home even if it has...

You are correct. A disputed debt must be investigated. The exception is where the bureau has a reasonable belief that the dispute is frivolous. The...

Can a credit card company claim u owe money&just start reporting alleged debt to cra's after cra said none exists?

If its not appearing on your credit report, how is it being reported incorrectly? Maybe I'm just confused about your post, but if is being reported...

I lost my job couldn't pay my bills & now I'm owe around $20,000. What's the best way to pay off my creditors?

Consider either debt settlement or bankruptcy, but make sure you seek the services of someone reputable. Call my office for an evaluation and...

What is the best way to clean up my credit report?

Obtain a copy of your credit report and note any discrepancies in amounts, balances, payment dates, status, etc. Draft and send a letter of dispute...

Does re-opening a Chapter 7 bankruptcy stay a state tort claim that was filed 2 years after the bankruptcy petition date?

I want to add that If the allegation is fraud, an intentional tort, it may not be dischargeable in bankruptcy. See a BK attorney and as my...

I am permanently disabled & need to file bankruptcy.

As my colleague mentioned, the courts have a help center and there are many services to assist you. You can call my office and I'll be happy to...

If my wife has credit cards only in her name, am I partially responsible for paying them off in a community property state?

Technically, yes. In a community property state such as California, any debt incurred during the course of marriage belongs to both of you. As a...