You should speak with either a collection defense attorney or a FDCPA attorney as soon as possible. Debt collection agencies will do what they can...

Your best bet is to reach out to them and try to setup payment arrangements. If you ignore them they will probably end up suing you for the debt...

WHY IS THIS STILL ON MY CREDIT REPORT?

The 4 years statute of limitation you are referring to is for written contracts in california (i.e. credit card agreements). The issue with the...

How do i get a collection agency to stop calling me after i reported them to 3 bbb?

You have rights as a borrower. I suggest you speak with a consumer protection attorney ASAP. You can find one here on AVVO and many offer free...

Would my husband be subject to losing assets if I file bankruptcy if my debts are only in my name?

The answers already provided are on point. Because you live in a community property state, items that you and/or your husband purchased during the...

I Have No Student Loans, So Why Is This Taking Out My Checks?

Wage garnishments typically come from some sort of judgment. Many wage garnishments can be stopped by filing bankruptcy. If you cannot afford the...

How much are you being sued for and what other debts do you have? If you cannot afford a payment plan with them or keep current on your other debts...

How can I sue a collection agency?

I would have to agree with Mr. Sinnett. Mr. Sinnett has good experience dealing with these types of cases and I recommend you contact him.

You filing an individual case should not effect your partner. The social security number is used on bankruptcy paperwork to identify who you are...

Can I send a email or letter to the creditor to have them not report any negative (charge off or any derogatory) on my credit ?

If you believe they are not reporting accurate information you may send in a dispute letter. If you have accounts in collection or past due...