You may need to pay nothing with exempt income and assets.

They have obtained a judgment. Judgments are valid until expiration and can be renewed. Look into a motion to set aside the judgment for...

This can be addressed in the divorce. You will stay in the loan until it is paid off or refinanced.

Yes they can. I’ve not seen it done but they may have a reason or it may be a standard practice.

Consult with experienced landlord tenant attorneys in the state where this occurred.

Consult with experienced debt collection defense attorneys in the state where this occurred. Many provide a free consultation. Also, many cities...

This can have unintended consequences. Therefore, a consultation with an attorney is warranted.

Social security may be exempted from collection. As to bankruptcy, Consult with experienced bankruptcy attorneys in your area.

It might be depending on exactly what the letter states and other factors.

There are pluses and minuses. It may support your proposed payment plan but it may give them information they can later use to collect once they...