Responses to Interrogatories do not need exhibits. You're thinking of a Request for Documents. Interrogatories are usually requests for very...

Can I sue a credit card company for every month they reported a balance on my credit reports for a sold debt?

You should first dispute both accounts with the credit reporting agencies. You can't actually sue under the FCRA for inaccurate reporting,...

I paid with a check at macy's , later ,I was harassed by a collection agency , affected my credit rating

You should write a letter to Macy's detailing the situation. Include both account numbers, a copy of the relevant check, and dates of the...

I am on a fixed income, and want to consolidate my debt. Do I call the creditor, or debt counselor? My credit is good. Thank you

You should talk to a debt counselor. They can help you analyze and prioritize your debts, and go through your options to come up with a strategy to...

All negative accounts remain on a credit report for seven years unless removed by the creditor. However, if the repossession was involuntary,...

Once I have filed a lawsuit in Massachusetts, how long before I can begin discovery and issue subpoenas?

Interrogatories may be served upon any party other than the plaintiff with or after service of the summons and complaint on them. Mass.R.Civ.Pro...

How is the lump sum determined ? What dictates the amount to be paid?

I agree with my colleague above. What you should also keep in mind is that when you are settling a debt with a debt collector who has purchased...

It is not illegal to include removal of the debt from the credit report as a stipulation pursuant to settlement. What they have a duty to do is to...

A write off usually means that your account has been sold to on the secondary debt market. There are a variety of companies that purchase large...

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Can violation of a single federal statue have multiple cause of actions?

Sure. Maybe. It depends on which statute you're talking about. Statutes are often written with two or more functional parts. Two of those are...