I just negotiated settlement and made a payment on 7 year old debt. But just realized the debt would fall off my credit

I'm guessing you didn't execute a written settlement agreement. In that event, enforcement for them is highly unlikely and problematic. Consider...

I recommend depositing at a credit union. Data about their customers usually isn't available for sale to collection law firms. Consider getting a...

When you settle your credit card debt, will they ever cut down the principal amount?

Yes! You can expect a settlement at 80% of balance owed but can likely get to 25% if your debt is very old. Factor in the tax consequences of the...

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Did I get dooped in a scare tactic

If you can identify a legitimate company behind this (and it does happen), you may have a good case against them that entitles YOU to payment of...

How do I get

It depends on a number of factors, like how old the debts are and what stage of default they are in. Consider consulting with a bankruptcy and/or...

When paying off a judgment can I get if off my credit report

Mostly no but sometimes yes. Creditors are contractually obligated to report accurately. That doesn't include "disappearing" a tradeline when it is...

What is the best way to begin resolving my debt?

You are asking the right questions in exactly the right place. Don't over-stress about defaulting on your consumer debt and go see 3 Bankruptcy...

Should I get a lawyer involved?

If you gave the dealership permission to call your cell phone, FAX or mail them a letter saying that you revoke any permission you might have given...

Suing T-Mobile

You may have an excellent case for violation of Federal and State debt collection laws! Often, those claims entitle you to statutory damages of up...

Received a 1099C form, am I still obligated to pay the debt?

Most likely no. Tax liability and legal liability for debt are two different things but this could get you free from any collection action if...