What can you do when your being accused of taking out a pay day loan that you've never done?

Before a complete answer can be given to you, a few questions must be answered: (1) are you receiving debt collection letters about this alleged...

Can i have a collection item removed because it has been over the state limitations of being on my credit report?

Collection items must be removed 7 years (plus 180 days) from the first delinquency. The credit reporting agencies are supposed to remove them...

After the 7 year mark the account should completely come off your credit report. That is, it should not show up on any of your credit reports, it...

There may be multiple violations of the law happening here. Violations for inaccurate credit reporting and violations for unlawful debt collection....

Can I be taken to court over a 18 year old hospital bill?

The statute of limitations in Alabama on debt is six (6) years. An 18 year old hospital bill is definitely over the statute of limitations and they...

Simply said, you cannot be put in jail for defaulting on payments. They can sue you for it, but they would only receive a judgment which says that...

If your question is asking what can the creditor do if you stop paying, then the answer is simply; they can try and collect on the payment. What...

A former friend charged my AMEX account fraudulently running up credit in 2014. When will it come off my credit report?

As stated by Rixon, it has been four years since this happened so you will have a hard time proving to AMEX that it was truly fraudulent....