Does either creditor have a judgment? Is the judgment valid? If there is a judgment, when was the case filed and on what date was the judgment...

If the creditor or a collection agency filed a lawsuit and obtained a default judgment against you sometime years ago, the Statute of Limitations...

If you can prove the facts that you state in your questions, and if the debtor does not asset any affirmative defenses or counter claims, you can...

Rea the co-signor agreement carefully. If you co-signed, the creditor can go after either party, or both. Your remedy is to sue the person for...

The debt collector has a legal right to file a lawsuit. You have a legal right to defend the lawsuit. If the collector decides to file, it will...

The Statute of Limitations runs to the date when the lawsuit was filled with the court, not the date when it is served. There are other statutes...

If a collector is claiming to be a lawyer, check with the State Bar of California and find out if that person is licensed to practice law in...

An attorney would need to review the written documents relating to the $5,000 payment that you made. Did the collector state, in writing, that if...

You did not include all of the information necessary to evaluate your situation. Did you take out a loan when you were in Hawaii? Was a lawsuit...

You can serve a subpoena on the debtor, directing him to bring specified documents to the ORAP. You can have the process server hand the debtor...