Should I try and fight a 1200 dollar energy bill that I know isn't mine?

I've seen this before and it has been a scam. A verbal request for verification is as good as the paper it is written. You must send a request...

Can a Widow on Social Security be sued for walking away from a home she could no longer afford in MN?

There is something an attorney can do for her. If a consumer is represented by an attorney, the collection agency is required to communicate only...

Can I get free leagal assistence as I am 70 years old? Citi bank thinks that I owe them money and I have never had an account

The Fair Debt Collection Practices Act prohibits debt collectors taking any action they are not legally entitled to take. Unfortunately, a state...

What type of attorney do I need for my situation?

If the creditor's attorney send a Garnishment Summons to the bank where you have an account, all of the money in that account will be frozen. ...

Debt Collector still called after Debt Validation/Cease and Desist letter was sent?

With a lawsuit in federal court. The conduct you describe constitutes several violations of the Fair Debt Collection Practices Act. You need a...

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Suing for sending to collections in error.

You CAN. It's just that maybe you shouldn't. On the limited information provided it seems like all the claims against the original creditor would...

My credit card debt is 6 years old as of 5-10-12 can a lawyer still call and collect adebt. I offered100.00 amonth they refused.

They can call and ask. But if you are correct and they are barred from suing because the statute of limitations has expired (Big IF), they cannot...

The only income I have is social security. I am 64 yrs old. Is this "exempt" income?

I agree with the advice that you don't need to pay them anything. Ms. Stowell's response is correct, but there has been one change for the better...

Can a collection agency decide at will that the agreed amount to be paid monthly is no longer large enough and file a judgment?

Unfortunately, unless you have an agreement with the collection agency, they can demand the balance in full, or any other thing they want. your...

Can a creditor in Minnesota garnish wages from 2 different jobs when both are under the federal guidelines allowed to take

No. A Garnishment Summons directs the employer to withhold money due from that employer to the debtor. It requires the employer to figure out...