Just received summons from a credit lawyer in Tempe, AZ. We want to try and settle and want best way of proceeding.

I agree with Barry's answer completely, and would only add that one option you may have is to make small monthly payments with no interest on the...

Despite a simple "CEASE & DESIST" request, how can Getty Images' attorney continue to hound me?

Some attorneys will take cases like yours on a contingency fee basis. Check out the attorneys in your area who belong to NACA, which can be found...

Does an original creditor and/or collection agency have to provide copies of the original signature used to establish the acct?

Unfortunately, Matthew is correct. Collection agencies need only provide minimal validation to comply with the law.

Just find out today that unifund garnish 25 %o of my earnings without a notice.Don't even know what it is all about!!

A creditor can garnish your wages after they obtain a judgment against you. Service rules can be tricky, so I would contact a consumer law or debt...

My parents are currently in chapter 7 bankruptcy. Can I still get the Pell Grant and /or student loans.

I agree with my colleagues that your parents bankruptcy filing should not affect your ability to get student loans.

I am in default on a loan. The bank will not stop calling me, and my relatives (who have nothing to do about it).

The Fair Debt Collection Practices Act sets for the rules that debt collectors must follow when trying to collect on a debt. I would meet with a...

Immediately bring the documents to a debt settlement attorney to clarify just what the documents are, and well as consult about how to proceed...

I have a debt collector by the name of Andrew Ryan that keeps calling my work and friends on a debt I'm disputing. Is it legal?

It sounds like he is violating both state and federal law, so you need to consult with an experienced consumer law attorney. Avvo and the NACA are...

How much can you earn in Kentucky "Gross" per month and still fill Chapter 7 ?

As previously stated, the calculation to determine whether you can file a Chapter 7 is complex. I would venture to say you are getting good...

Have SS only ($1500/mo) $1100/mo hsehold exp$ and 40K+ ccd debt. Can cc just be ignored or declare bankruptsy?

The advice already provided is spot on. As stated, make sure the SS income goes into a segregated account, and make certain with the bank it is...