I need help in composing a letter to a collection agency regarding the invalidity of a debt they claim I owe to Citibank, USA.

I agree with what the attorney above stated, but would add a few relevant items about the Fair Debt Collection Practices Act (FDCPA), the consumer...

They can repossess your car when you miss one payment, bankruptcy or no bankruptcy. hese entities are typically very unforgiving. If you caught...

Selected as the best answer

My bank accounts have been emptied for a credit card debt that I believe has already been paid off.

I agree we the lawyer above that you should contact a consumer attorney as soon as possible. The first step that likely needs to happen is to set...

If you did not actually enter into a reaffirmation agreement that was filed with the court in regard to your home loan/mortgage, then the...

Debts for personal injury caused by the debtor’s operation of a vehicle while intoxicated, or debts incurred as a result of willful and malicious...

Was my bankruptcy advice correct?

I generally agree with the other attorney who answered your question, but I too am a little confused about the facts as you presented them. If the...

Chapter 7 and Utility Bill

I agree with both the attorneys above. You need to do a further investigation to determine exactly what the additional amount is for. If it is for...

Can filing Chapter 13 bankruptcy help me keep my home?

Yes, a Chapter 13 bankruptcy can help you stay in your home. A "plan" will have to be confirmed in your Chapter 13 plan that will pay some amount...

Can a creditor come after you two different ways for the same debt?

I agree that normally there can be two concurrent writs of execution used at the same time. However, simultaneous wage and bank account...

I received a letter from a lawyer claiming I owe $5000 . I sent a certified letter stating I do not owe this debt. I requested a

You did the correct thing initially by requesting more information about the alleged debt. As long as the debt is a consumer debt (not business,...