While it may be a scam, it might not be. Whenever one is unsure, give no information, demand proof in writing (do not give your address or other...

Consult with experienced debt collection defense attorneys.

Of what you describe, some may be malpractice. Malpractice means that a doctor violated the standard of care. A bad outcome is not enough. ...

She may be entitled to a partial refund. The signed documents need to be reviewed.

There are, to start, two issues. First, was there malpractice. Malpractice means that a doctor violated the standard of care. A bad outcome is...

The size of the debt and your other financial situation may indicate that bankruptcy is appropriate.

You may need to search online or go to the library. Some courts also have self help advisors. Note, the social security is not collectible.

You can sue if the statute of limitations for oral agreements has not expired.

Yes the statute of limitations can be used as a defense. The Plaintiff must prove its claim against the facts you deny.

Many debt collection defense attorneys give free consultations. Use the Avvo search tool to find an attorney. https://www.avvo.com/find-a-lawyer