Writing of a debt, or a determination by the credit card company does not extinguish the debt. You can still be sued.

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

A civil litigation or debt defense lawyer, or yourself, can do a motion to set aside.

If you file against them they may be willing to settle for a dismissal with prejudice.

Those may not be valid defenses. Find all your best defenses or how to fight the case.

Depending on date of last payment and other factors, possibly not. In fact they may be violating the law. Consult with experienced debt collection...

If judgment was entered, look into a motion to set aside the judgment for failure to lawfully serve the lawsuit.

There are many tools and techniques of judgment collection, including debtor examinations, written discovery, liens, levies and garnishments. The...

The old employer advises not working there. Then creditor must find new employment to garnish current employer.

It can be criminal and unusable in a case where there is illegal non consensual recording—confirm your state’s laws. It would be best to consult...