I am currently fresh out of a relationship and I'm having financial troubles. one of my creditors keeps harassing me by multiple

I would suggest that you speak with an attorney to discuss all options, including bankruptcy and debt settlement. An attorney should also be able...

Can a default judgment(nihil dicit) from the Notary be collected?

It sounds like you obtained a default judgment against a Defendant that you sued. If that is the case and if the judgment is considered to be...

I keep getting phone calls from a collection agency about a payday loan that i supposedly took out in april of 2014.

This sounds like a very common scam. Unfortunately, there may not be much you can do to stop them from calling. Any legitimate collection agency...

Is it possible to refinance private student loans or otherwise negotiate a reduction in payments to be IBR?

You are making wise decisions to deal with your student loan debt now. There may be a number of options available to you. It would probably be best...

What are my settlement options regarding rule 3.740 collections?

Once an unpaid debt gets to the stage of litigation, settlement numbers tend to increase. Creditors will want a lump sum or a settlement amount to...

I'm wondering what are the likely costs of a rule 3.740 collections suit?

The costs they are referencing would be their filing fees and having the summons issued and served upon you. You can find the filing fee schedule...

Wife has wage garnishment, credit card judgment. filed exemption, have court date.

You should certainly consult with an attorney prior to making any decisions. More facts would be necessary to give you a decent opinion.

Scammed out of $1000.00

Sorry to hear this. It sounds like you have become yet another victim of a popular scam. Unfortunately, it may be difficult for you to ever recoup...

Your wages cannot be garnished in TX for a debt to HSBC.

If you cannot collect this debt informally, filing a lawsuit is an option. Whether you sue in small claims court or Superior (State) Court will...