Are CREDIT CARD COMPANIES also their own debt collector and therefore subject to the FDCPA?

Having no income or very low income does not necessarily mean you are disqualified from filing a chapter 7 bankruptcy. You are allowed to have a...

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In my benefiting everything by paying the credit card company a charged-off debt

Settling with them for less than what is owed will still hit your credit in a negative way. A charge off also hurts a credit score. If you are...

How do i go about freezing my sons debt or start a bankruptcy for him while he is incarcerated?

I suggest you speak with a bankruptcy attorney ASAP. If your son cannot afford to pay his creditors then bankruptcy can be a viable option....

Can debt collectors or the its take money that you receive from a cash settlement from my car accident?

You may be able to discharge some of your tax debt in a bankruptcy case. If you are afraid you cannot afford to pay the IRS back for taxes owed and...

Bankruptcy court ..what must be reported as an asset?

You are required by bankruptcy law to list all assets whether you have them now or have an interest in receiving them in the future. To not list it...

There is probably a deficiency balance that you still owe. Most car lenders will try to sell the repoed car at an auction and apply those proceeds...

Can I be sued for a payday loan that got in 2013?

Do you recognize the loan they are talking about? If not, then it may be a scam. If you do recognize it, then they can still call you about it. The...

I just found I have a repo on my credit I was not notified?

If you want title to the car then you may want to call them and work out a payment option to payoff any remaining balance. Maybe while you are...

Can a tort be discharged in bankrupsy court?

Most torts can be discharged. You will need to read the bankruptcy code as to which torts are at risk for non-dischargeability. These are usually...

What do I do if collection agency chasing me for debt from 2005-2007 without judgement?

I suggest contacting a consumer lawyer who specializes in debt collection laws. The area of law you may be looking for is the FDCPA. This law...