Purchased vehicle last week. It will not go in to gear now.

If it's under warranty, take it back to the dealer and make them fix it. If, after a few attempts at fixing it, it still doesn't work, then you...

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Cease and desit letter sent out and getting more collection letters on the same debt.

I assume you're talking about your rights under the FDCPA. Cease contact letters only work if the company collecting the money is a debt...

Is there a free online site where I can complete the required documents for the CH. 7 Bankruptcy Petition?

You can get the forms at http://www.uscourts.gov/forms/bankruptcy-forms. However, that website just has the forms, not directions for filling them...

I am wondering what options I might have with these bills. They come daily and my insurance has stopped paying them.

First, ask the hospital about "charity care", which is a program that many hospitals offer that forgives debt owed by low income individuals. If...

Debt collector. What qualifies as contact?

If it's a debt collection agency and not the original creditor that is harassing you, you can send them a 'cease contact" letter. Just google...

What can i do to get dealer to fix

Consult with a local attorney. Depending on what's wrong with the vehicle and some other factors, you may still have an implied warranty claim...

What information is needed to determine if the situation was handled properly? Is there any way she doesn't need to pay it?

Your friend can fill out an ID theft affidavit which consists of an FTC ID theft report and a police report. Then send it to the creditor and...

Can you file chapter 7 and get relief from a court judgment, like a garnishment? Is there a way out, without bankruptcy?

You may be able to vacate the judgment if you weren’t properly served. However, unless the debt is past the statute of limitations, once it’s...

What can I do to dispute the stats and what documents can I legally obtain to get this off my credit report

Just because the debt is reported as “charged off” doesn’t mean it went away. Sometimes, that just means it went to collections. What you can do...

Should my daughter file bankruptcy? Can she? What happens if she does?

Ask the medical creditor about charity care. A lot of hospitals have programs where they will write off your debt if you meet certain income...