My colleagues have been extremely generous with their time and information provided in responding to your question. The most important take away...

It is certainly worth investigating further. Make sure you know what entity you are communicating with: the original creditor or a collection...

You have been provided good responses from my colleagues regarding whether you are "judgment" proof. Be mindful that the judgment which is...

It is calculated based upon last activity: which can be a payment, last used the credit card, entered a payment arrangement, acknowledged the debt....

The Statute of Limitations you are referring to relates to whether the creditor can file a lawsuit against you in order to get a judgment - 4 hours...

Your posting is too vague to respond with specific information that might be helpful. Either re-post with more specifics or seek advice from a...

Good information has been provided in responses. Most important is that you not ignore the lawsuit. To clarify: you indicated that you were...

As suggested, request documents confirming original loan. Did you ever get a loan? It may not have originally been PayDay or identified as...

You have received a wealth of information from the responses posted. Take heed. Focus on consulting directly with an experienced bankruptcy...

The response from Attorney Espada covers the issues. Unfortunately, scammers are out there. They prey on the vulnerable, trying to get money. ...