Am I guilty?

This is not the type of question you should be asking publicly. Please get a private, confidential consultation with an attorney near you.

May I pay disputed contract amount leaving only complaint for fraud to go to trial?

I agree with my colleague. Additionally, please engage an attorney to help you with this matter, even with the negotiations. This is not something...

Does a payment to a Debt Buyer renew my statute of limitations on a consumer debt?

Unfortunately, each time you've made a payment, you have revived the Statute of Limitations. You can consult with a consumer protection attorney...

Can the dealership cancel my contract , because bank cant verify my job?

Attorney Kaufman is correct; you didn't provide enough details to let us know if your issue is that you were untruthful, or if the dealership is...

Do I can a justifiable case to sue the auto dealership for not fixing my steering pump until 3 years later on 3rd complaint.

You should consult a lemon lawyer; someone who is familiar with lemon laws in California. A good resource is the National Association of Consumer...

Credit repair question... which is better? Settled in full for less than the full balance, or Settled.

In general, PIF is a more positive tradeline notation than "Settled for less than full." And, although your score will go down, as the notation...

Sorry, as noted by my colleagues, unless your wife became ill, your recovery is going to be limited to the apology and the buci and a half.

How do I file bankruptcy?

Although you CAN file bankruptcy without an attorney (and the Federal Government requires me to tell you that), it's not advisable. Your best bet...

Is a debt settlement offer in an email, be an legal offer in writing?

It would be helpful to know more specifics about this matter, but I agree with my colleagues. This could be an FDCPA and/or Rosenthal claim,...

Can I sue a company for falsely reporting to the credit agencies?

Yes, just send a letter to the three big credit reporting agencies, with a copy of the letter you received from the management company.