There might be a legitimate reason, but most likely, it is sheer institutional incompetence.

Which state's SOL on credit card collections applies?

As the other attorneys point out, you will first want to look at the agreement/contract if you have it for a choice of venue/law clause. Absent...

We sold our home and carried the loan for 3 years, the home came with appliances. We had to foreclose a year and a half later.

If you are going to take them to court, you will want to do background research first. This would mean considering where the people work,...

How long do I have between a Notice of Claim of Lien and Filing for Judgment/Foreclosure

You will need to decide what type of foreclosure you wish to proceed with- judicial or non-judicial and then each would have their own...

I was just served. It says I have 20 days from service of summons to respond in writing to Plaintiff attorneys.

First, you will want to answer the complaint. Not answering means that the creditor will obtain a default judgment against you. In your answer,...

I sent a validation demand to a collector, they responded with an itemization fabricated by their office as being from orig cred

This is the sort of issue that has to be worked out in civil court. You would object to the evidence relied upon in your answer. Then you would...

We received request for garnishment on an outstanding debt. Want to know how to proceed. Or if possible to still fight charges

You have a couple of options. 1) Vacating the original judgment will be difficult under WA law as generally any attempt within a year of a...

What do I do about a collector who refuses to accept they are pursuing and holding accountable the wrong person for a debt?

There are a couple of ways you can handle this. 1) As a previous attorney suggested, you would want to run a credit check to see if it is being...

Mortgage Servicer abuse? Are there really any attorneys out there with experience to deal with this?

There are several attorneys in the greater Seattle metro that handle these types of cases. I handle these as well as Melissa Huelsman, David Leen,...

We foreclosed on our home, the document is being recorded today. Can we shut off the utilities to force them out?

You do not want to shut off the utilities, that can result in serious monetary damage and attorney fees. Landlords, even those who become such due...