I generally agree with teh attorney swho commented above. I would liek to add, however, that it i important that you try to gather more information...

Is the letter below all a collection agency has to send in response to a debt validation request?

A debt collector's obligation to send validation upon a timely dispute/request for verification from a consumer is fairly minimal, and it depends...

What can I do about a Debt Collector that calls my boss at work and threatens to come pick me up and take me to jail.

The actions you set forth here are clear and egregious violations of the Fair Debt Collections Practice Act (FDCPA) and probably other state...

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How do I get a unsecured creditor that was discharged in my bankruptcy to remove their lien from my home?

I am assuming that you filed a Chapter 7 bankruptcy and received your discharge already and case is closed. There is a process inside your...

If my funds are wrongly garnished (my wife and I share an account) once the funds are returned can I sue for late fees, etc.?

Unfortunately, if your wife's name was on the account then the bank properly complied with the writ of garnishment. The creditor/garnishor cannot...

What happens to vehicle that was involved in bankruptcy and still has lien against it but Financial company never came after the

I agree with Ms. Bunce. This issue comes up quite a bit. The problem is that you discharged your personal liability in the bankruptcy (assuming...

Although the The Fair Debt Collection Practices Act (FDCPA) does indeed make it unlawful for a debt collector to contact you after you have told...

My husband is filing Chapter 7. What is the likelihood that the creditors will come after me instead? Should we just file joint?

I agree with the attorney above, that you need to consult with your own attorney. It is true that his filing will not discharge any joint debts...

I have a home that has had a foreclosure pending since 2008. Is there anything I can do to move it along?

I agree with Ms. Bunce. There is little, if anything, that can be done to force the lenders hand in initiating/completing a foreclosure. Moreover,...

How do I handle a collection reported to Experian, where I wasn't contacted, and I believe the debt isn't mine?

The Fair credit Reporting Act (FCRA) is the federal statute that regulates the credit reporting agencies (Experian is one of the big three). The...