I received a bill from a collection agency that is over due from Nov. 17 2010. as I recall I have never reciece a bill from them

Request in writing that the collection agency validate the debt because you don't know what it's for and don't remember being billed for what they...

A friend of mine owes me money and is not paying.

Often it's easier to sue and obtain a judgment then to collect on that judgment. If your "friend" is employed or has assets (real estate etc...)...

If you have signficiant other debts maybe chapter 13 can help. In a chapter 13 you can bring certain obligations current (like the HOA) to prevent...

I had a default judgement against me. I am on Social Security and I worked out a payment agreement with the attorney,

If what you are saying is that the creditor had taken your social security by seizing money in the bank account you can get this money back. After...

When does the statute of limitation begin and end on unpaid HOA dues?

One week or one day before the SOL expires, is still good and no SOL defense. It's not unusual for creditors to file just prior to the SOL...

I have been unemployed for 1.5 yrs. UI payments have just ended. If I declare bankruptcy can I keep my house & truck?

All debts, except for some income taxes are dischargeable. However, just because the debt is discharged does not mean that the lender can't...

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I need to file chapter 7 I have no assets however most my debt is student loans which requires a adversary petition to be filed?

First, I assume these are all federal loans. Here is a link to information about discharge of federal student loans - this is an administrative...

The purpose of the lawsuit for the creditor is to obtain a judgment so they can escalate their collection efforts since voluntary ways have proved...

When should I file for bankruptcy if still current on all bills but know I will fall behind once new principal payments start?

You have provided many facts here that go into considering whether bankruptcy is appropriate and when. However, there are other facts, such as...

Can a Storefront payday loan company sue you for writing a bad check? What about and Internet payday loan company?

Sure they can sue, the question is would they bother. Typically pay day loans are small and the cost and effort in filing a lawsuit which is...