Depending on the servicer (many are horrible) you may need to sue. This force placed insurance game is as old as the hills. The servicers love it...

Absolutely not. Do not pay them. This is most likely a scam. They cannot sue you and it is too old to credit report. Ignore them.

Most of the credit reporting agencies have stopped reporting judgments because they were so horrible about keeping up with the current status of...

How many times a day/week can Capital One call me regarding a debt?

You should file a complaint with the Office of the Comptroller of the Currency. That is the federal agency charged with enforcing consumer...

Can someone say a judge will sheriff sale my personal belongings when i live in a apertment

Sadly, there is little to control the collection activities of National Banks collecting their own debts. The Fair Debt Collection Practices Act...