Can a collection agency collect on a debt that is 9 years old? Can they sue me for it? It is not on my credit report.

I would add that certain debts have statutes of limitation past 6 years...certain debts owed to government entities for example.

We filed bankruptcy 2 years ago never reaffirming the 2nd mortgage. How would we negotiate a settlement on the 2nd mortgage now?

I would second my colleague's answer, and add that the mortgagee probably still has a lien on the property that would not be removed by selling it....

Can a debit collector file or press criminal charges against you?

A debt collector cannot file criminal charges, only a state attorney can file criminal charges. Don't pay them a dime until you figure out whether...

Could you please offer some insight on how to handle a pending chapter 7 filing and car lease buyout?

1. I think you are suggesting you want to redeem you car in the chapter 7, is that correct? 2. Yes, repaying more on the 401k than was due could...

I have a private Salle Mae student loan and I am unemployed and they have tripled my interest I don't think a rich person could

I agree with my colleague. It is very difficult to get student loans deferred at this point. You could try consolidation, forbearance, or other...

Do i really need to pay?

Why not attempt to dispute the debt directly with the claimant first?

I'm not licensed in NC or VA, but you could look into the Fair Debt Collection Practices Act and whether that may offer you a private right to file...

I owe 600 for a past due Pay Day loan from about 6 months ago that I forgot about. Getting what sound like threatening calls.

The Fair Debt Collection Practices Act or other state remedies may offer you some relief and a way to get compensated for unlawful debt collection...

If a judgment over 10 years old is against me & I have never been told the amount involved & a copy of it does not say a amount?

You need to check to see if there is a statute of limitations on actions to collect on a judgment. Even if they have been adding interest, if there...

Palisades collection agency filed a garnishment on me i called them for a court hearing 3 times i make 543.00 every two weeks.

Not licensed in FL, but I would recommend you check into the garnishment laws/requirements in your jurisdiction. If you find a lawyer that...