Not only can you include the auto loan, but you must. When you file a bankruptcy, you must include all of your creditors. There are implications...

If they are threatening garnishment, they likely have a judgment. I would suggest that you speak to an attorney before making any payments on this...

If you are being garnished, this debt has been reduced to a judgment. Interest can accumulated quickly if the debt carries a high interest rate....

You should seek legal counsel to help you assess your options. Personal use vs. business use doesn't change your personal liability. Most local...

In Oregon is there a penalty for someone failing to file a satisfaction of judgement?

it sounds as though the failure to file the satisfaction has caused you harm. In that context, I believe there may be claims you could bring to...

How do we deal with a collector trying to sue past the statute of limitations?

If you are certain the card wasn't used for the last 9-10 years, and no payments made in that time, do not pay on the debt. If you do, the statute...

If I get a summons from a debt I DO owe, is it too late for me to contact the firm that had me served to try and set up payments

You absolutely can contact the firm to discuss payment arrangements, however since you have now been sued for the debt, the creditor will likely...

I think I'm being sued by Portfolio Recovery. How do I proceed ?

I would start by calling the court. Multnomah County has limited phones hours, but if you reach a recording, it will tell you when to call back. If...

Can I make payments on a small claim and how do I do that.

More than likely, you can make payments on this debt. However, because the creditor has sued you, it typically will require that any payment plan...

NEED HELP ASAP with Cosigning problems

Agreed- you and he are equally liable for the loan balance. You should seek a consultation with a bankruptcy or debtor/creditor attorney to discuss...