. Can I get a debt collection to lower the pay off with having a scheduled hearing?

Inability to pay is not a defense. You may have a judgment entered against you unless you defend the suit. Your settlement leverage would be better...

Time Warner Cable has given me credit and then billed the same amount the next month as unpaid balance.

What may be important here is what they're reporting to the Credit Bureaus. If it's negative you may have a case! Go to www.annualcreditreport.com...

Do i need a consumer law attorney?

Quite possibly no. It sounds like most of your assets (SSI, Public Assistance, and other retirement monies) are exempt from seizure. Keep those...

What type of lawyer can help me?

A long time isn't one once it has passed. I wouldn't touch any exempt assets to settle this. Pay the minimums on time and save in garnishment and...

What can I do about collection agency (buy bad debt)? They have been calling me using different phone numbers to calls.

It's likely a scam with no reasonable chance of finding a defendant to sue for the Robo-calls. I would change phone numbers if call blocking didn't...

Need help

You might have a good counter-claim for illegal collection but you need to defend the lawsuit and file an answer within 30 days of...

Can I be sued by a "buy here, pay here" auto dealer?

You can. And it's dangerous because they often have the original documents. Consider consulting with. Lemon Lawyer because they know about the...

Are collection agencies allowed to negotiate/accept pay for deletions?

The good news is that if it's a real Debt Collector with a real business you may have a good collection abuse case! The good news is that if it's a...

They do! (But they're hard to find unless you're forced to tell them about it in an interrogatory supervised by the court). Consider getting a...

How much is a fair settlement amount in a credit card debt of 19,500 with CapitalOne,if I do not pay them what can they do?

Consider consulting with a debt settlement attorney - most of them will do it for free. They'll look for collections violations and other errors...