I was pressured into an oral contract with a debt collection agency & the debt is past the statue of limitations. Can I be sued?

If you requested verification of the debt and the collector did not provide written verification, under the Fair Debt Collection Practices Act they...

What happens if you contact or don't contact collection agencies?

There are two separate issues to consider: (1) the 7-year time limit for reporting of a delinquent debt, and (2) the statute of limitations...

Can I try to prevent my property from being auctioned in Calif.

An "abstract of judgment" is a document issued by a court clerk that confirms the judgment of that court. In order for the creditor to have gotten...

Does such a law exist and is there anything I can do to fight this situation with my creditors?

To my knowledge, there is no law that would prevent a creditor from reporting a late or missed payment to credit reporting agencies. In most cases...

How can i get out of this? Is there a way? Do i have to hire a lawyer?

What you describe sounds like a "debt settlement" scam. You need to have a debt collection defense or consumer attorney review the contract that...

Planning to file chapt 13 a year after chapt 7. Do creditors keep their Interest rates? Do lawyers get paid up front?

If you "reaffirmed" a debt (such as an auto loan) in your chapter 7 case, then the payment of that debt is controlled by the approved...

PRA's attorney did not respond because PRA dismissed its case, meaning that (at least for now) they are not pursuing the debt. And: PRA may have...

How long can collection agencies post unpaid debts on your credit report.

A delinquent account can be reported for up to 7 years and 6 months from the date that the account became delinquent. That period is not extended...

Is it unjust practice of collection if they take money from you in multiple ways?

It sounds as if the creditor got a judgment, and then you attempted to "settle" for some amount, possibly less than the amount of the judgment. ...

Some attorneys believe that homeowners associations are continuously looking for new income streams. Your HOA is choosing to give out fines...