Am I legally obligated to pay for unsolicited products received in the mail?

From the facts as you present them no, you do not have to pay for or return the unsolicited item. However I would reccomend cancelling a credit...

There was a lawsuit file against me from b of a credit card debt from 2002? what shall i do??

You will need to consult with a consumer protection lawyer locally to examine your options 1. Start keeping a detailed log of all calls and...

How to collect a debt.

Your question leaves out a few detials that are important. 1 how long ago did was the last payment, 2 what type of documentation do you have, and...

What constitutes validation of debt?

The short answeer is yes, however when use in court a custodian of records will need to then swear they are true and correct. You will need to...

Received a letter from a collection agency last week stating that my account has been turned over to collections

A 13 year-old debt in uneforceable and you should dispute the debt in writing retaining proof of mailing and a copy of the dispute letter. If...

Do I need a real estate attorney?

he short answer is yes you need an attorney in your state. This seems like somewhat of a mess and will need some sorting out before you sign...

Is this considered a predatory lending practice?

I agree with Mr Murillo, that yur fatc pattern fails to state a problem other than a low interest rate. The definition of predatory lending means...

Is my spouse liable for my debt? This is debt that I accrued My spouse's income was not used to pay the bill.

The short answer is yes. If the debt was accumlated during the marriage Washington treats the debt as a community debt. You will need to...

The short answer is no, they do not have the authority to send you to jail. If you are in default of your contract responsabilites they may have...

How do I collect on a promissory note?

You will need to take the to court and reduce the note to a judgment that can be collected. If the balance is small you may go small claims court....