Do I have to pay a collection agency if they refuse to send me an itemized bill?

In Minnesota the merchant, or its collection agency, can add a $30.00 fee for a returned check IF they have a sign posted at the register with the...

Payday loan from 4 years ago

Both of the answers above are right. I would add that your relatives may have FDCPA claims too depending on what these callers said to them. ...

Is it best to declare bankruptcy?

There is some help for people who can't afford an attorney. Start with Legal Aid in your area: http://www.lasnem.org/DNN/ If Legal Aid can't...

Can I respond to a summons in writing disputing the claim?

You should consult with a lawyer. That is a real lawsuit. Minnesota is one of a few states where a lawsuit is commenced by serving a Summons,...

I recieved a 1099 for canelled debt after I filed Chapter 7 bankruptcy. Do i put this on my taxes?

No. Look at IRS Form 982. Which provides that forgiveness of debt income can be excluded from income if you were insolvent.

Is it unreasonable to ask Midland funding to validate a debt with a copy of the original agreement with Capitol one

You really need a lawyer who knows how to litigate Debt Buyer cases. They are professionals, they will get a judgment against you if you try to...

If I have a garnishment taken out this month and file for chapter 7 this month can I get the money back?

The reason you might be able to get the money back is because there is a Preference claim. The bankruptcy code wants all of the unsecured creditor...

It means you either have a judgment against you, or you were served with a lawsuit and did not answer (prejudgment garnishment). It means the Bank...

Is there a statute for apportionment of judgment liability?

I cannot comment on Georgia statutes. But as far as Joint and several liability is concerned, the creditor can collect it from any one of the...

Can a time barred debt be reactivated in another state?

What State's statute of Limitations applies is a "choice-of-law" question. It's the kind of thing that they spend a whole month on in the first...