If I as for proof of debt, is the company contacting me required to provide it?

The single thing a co-signer needs to do is sign and evidently you did'nt. Therefore the debt may not be enforceable and it may be time barred...

Is submitting an application just like signing a lease?Am I liable for the debt?How can I remove the debt from my credit report?

The facts you have presented show the lack of a signautre and a signature is what will make a case for them if you are sued over the debt....

If I have a fixed interest rate and make my payments on time , shouldn't the amount I pay in interest lower every month?

The collection agencies post money to particular accounts and to costs, principal and interest to suit themselves and to fix that problem you...

I didn't pay for credit card payments during 3months. i can't do payments anymore. i don't have money.they charge too much mone

Is sound as if you may be ready to consult a bankruptcy attorney. You will be able to find one on this site near you who offers a free...

Can creitors continue calling my home (I've asked them not to) about debts incurred by our 40 year old son ?

The short answer is no. You should contact your states licensing agency and report the violations of the FDPCA and the 3rd party disclosure of the...

Collection account deleted from 1 agency, the others would not. Please advise.

You may a cause of action against the original creditor because the original debt has been dismissed under the FDPCA You will need to consult with...

Because the LLC is insolvent and no income is forthcoming perhaps it is good time to disolve the LLC and notify your creditor of your...

What are my legal rights to remove a collection from my credit file?

You have the right to dispute and you may even take the old landlord and collection to court for false reporting under the FDPCA, you may not win...

The question will come up when they try are ask for the balance remaining after the sale. In addition when the reposession appears in your credit...

Co signed on vehicle that was repossessed and sold at auction. can they come after my home and/other vehicles to pay debt?

The short answer is not yet. If they aquire a judgment then the agency may attach assets. You will need to consult with a lawyer locally. Start...