Hello there. The proper response to this situation depends upon a few factors. Generally speaking, the laws that protect consumers against...

Should I formally answer the summons first, or can I negotiate with the collection agency now and if so, is it safe to do so?

If you have received a summons, this most likely means that you have already been sued. At this juncture, I would advise against communicating...

Can I be issued a moving violation if I wasnt stopped? Let alone wasnt driving?

The short answer is yes. There is no legal requirement that a citation be issued while the accused is driving. That said, the issuance of the...

Am i being harrased

Several federal and state laws are potentially implicated in this question. As the previous answers have stated, the FDCPA is the most commonly...