Bankruptcy can likely eliminate this debt and prevent them from contacting you about the debt. Hiring a lawyer would give you a buffer between them...

Does the written words "reduced repayment arrangement" mean "settlement for less then full balance"?

It is best for one of us to see the entire letter before answering that. Generally, settlements should be in writing and state something along the...

How much is the debt for? Can you afford to pay it? Is this your only debt? Depending on your financial circumstances you may want to explore your...

How to handle judgment?

Call the creditor and payoff the debt. Get everything in writing from them and track all your payments. Otherwise if you the debt is too much to...

What kind of debt was this for? Was it for a credit card or loan or past due child support? How much does the cost of memo say you owe? Is it...

Depending on your financial circumstances you may want your wife to explore her bankruptcy options. Bankruptcy wipes out most debt and most people...

You can run your free credit report at annualcreditreport.com and review the hard inquiry section. The company and their phone numbers are...

You would want to contact the original creditor and find out if they still own the loan or if they sold it off to another company. Whoever is the...

You may want to try contacting legal aid and the county bar association in the county your judgment is located and see if they have a lawyer who...

The family court may take into consideration this debt he has if he co-signs the car note with you. You would want to speak to a family lawyer more...