I need to file an answer to a civil suit today

You need to speak with an attorney quickly if your answer is truly due today. Texas Civil Procedure is odd in that Answers are due on a Monday. ...

LVNV creditors are harassing me everyday on a 8 yr. old payday loan. How can I stop them? They are calling my job, family.

It sounds like you need to contact a consumer attorney in your area for the potential violations of the FDCPA. You can use the Find a Lawyer...

Judgements, Relocations, & Rental Property??? Need advice.

Texas affords the most consumer-friendly rights on homesteads. It sounds like the best thing you can do at this point is to try to contact the...

What counts as an initial communication from a debt collector?

You raise a lot of questions that are probably best analyzed by an attorney that practices in the area of the Federal Debt Collection Practices Act...

Can school loans be discharged in bankruptcy due to a mental health disability?

Student loan discharge in a bankruptcy can be challenging. Considering your circumstances, you should consider speaking with a couple of...

Voicemails from debt collectors stating there are pending charges against me regarding some payday loans.

You cannot face criminal charges for a payday loan. It sounds like an overly-aggressive debt collector trying to scare you into a settlement. You...

Is there a pdf file or a format page for a written response in proper legal form for a civil case regarding credit card company

If Discover Bank is suing you for breach of contract, there is a Judicial Council form you can fill out. You can do a simple Google search to...

The term "pre-litigation" does not exempt collection agencies from adhering to Federal and State Debt Collection Practices. If you don't feel...

What is best way to remove judgment from credit report and settle with Capital One? Appeal ? Motion to vacate judgment ?

I'm sorry to hear that you lost at trial. I'm curious… Did Capitol One have a witness present to testify at trial? Capitol One is one of the...

Can I fix my credit without bankrupts by paying it off.

$6,500 is a relatively small amount to consider filing a bankruptcy. Seems to me that you should be able to pay these off (possibly at a discount)...