As has already been stated, you should look at what date you made your last payment to them. Just because the debt was from 2005 does not...

It should not hurt your score much if your credit was pulled 3 times in a fairly short period of time. It is still a good idea to keep an eye on...

It is best you have a private consultation with an experienced bankruptcy attorney who deals with student loan dischargeability. Discharging...

What do I do after a debt has been written off but I've had a judgement entered against me?

Just because it was been written off or charged off does not necessarily mean you no longer owe the debt. The SOL (Statute of limitations) is...

Bankruptcy affecting cosigner?

The co-signor should not be affected so long as you stay current on your mortgage payments. I am not sure why you are trying to reaffirm your...

If I file a Chapter 13 BK is there a time frame I would have to wait to a Chapter 7?

Yes, you may be able to file a chapter 7 case in 2020, however, it really depends on your income and assets. Also, if you are in a chapter 13 and...

I suggest you contact a debt collection defense attorney. Best of luck!

How will I ever absolve myself of my credit card debt and likely owing money this year to the IRS?

Bankruptcy may be a good option for you. It may allow you to get out of your debt and enable you to move forward. It sounds as though you may also...

How do I find out if I have a judgement against me from creditors?

You may also be able to check online through your county's court's website. Typically, you can search for your name and if it appears as a party to...

Improper service and now wage garnishment

In addition to the above answers, I suggest contacting a consumer attorney that deals with debt collection laws. Also, if it is not actually your...