It is not unusual for people who have addictions to file for bankruptcy. The fact that you are seeking help is a positive. There is nothing in the...

This certainly looks like a scam. It is illegal to threaten criminal action to collect a debt. Mr. Selik is correct demand proof in writing and do...

Whether you should file bankruptcy depends on many factors but your debts being in collection is not a barrier. Consult with an experienced...

I agree with Mr. Adkins. Each jurisdiction has its own system for numbering cases so only a lcal attorney could tell you if this email is legit....

I agree with the above answers. This has the earmarks of a scam. Demand written documentation of the debt. Do not engage with these people...

This may be a scam. The SOL on contracts vary from state to state. In California it is four years from the date of breach on a written contract....

In California, under CCP 704.220 $2170 is protected in a bank account from garnishment ($4340 in a joint account). The fact that you are working...

Schedule J on the bankruptcy forms requires you to state your actual expenses for the items listed as of the filing date. If your parents are going...

Most states have agencies that regulate debt collectors operating in their jurisdiction. You should find out if Ohio has such and agency and see if...

This looks like a scam to me> If you did borrow money from them, it would not be fraud unless you had no intention to repay. Also, the threat to...