Debt settlement help

You need to have an attorney represent you. You need to file an Answer so that they will not get a default judgment entered against you. You need...

My daughter bought a cell phone on my account that she is not authorized on. Do I have to pay for the phone?

The important question is not whether you believed that your daughter was not authorized to charge on the account. The issue is whether AT&T has a...

I want to admit charges from my credit card statements into evidence. Do I copy them and blackout items that are not relevant?

You need to have a clean copy to show the other side so that the other side. If you want to keep some portion confidential, ask the other attorney...

You should respond, within the time allowed (or if the plaintiff gives you an extension, confirmed in writing) with objections and responses in the...

Can a debit collector refuse payment arrangements. Also threaten that I am going to get sued

They can refuse payment arrangements. And, you can refuse to pay. As far as suing, they can always file a lawsuit. Anyone who pays the court...

I have been sued by a debt collector but there is a binding arbitration cluase in the original contract. What are my options?

A "forced arbitration clause" may or may not be valid. If applicable, in California you can file a demand for arbitration with the specified...

I received two same voicemails from two different numbers for collection. what do I do?

This is the type of message that is often left by debt buyers trying to collect very old debts. They will tell you that this matter must be...

What is the statute of limitations on a payday loan in california

If the caller is a real debt collection company, you may have a viable lawsuit against them for violation of several statutes which regulate debt...

A recent "paid collection" may hurt your credit score more than a very old, unpaid collection account. The item will go off your credit after...

Spouse is being sued for "corporate" debts because he signed a Personal Guarantee. Can I divorce him/file BK to protect myself?

Divorce will not help protect you from creditors. Do not believe anything that a debt collector tells you, especially if it involves your legal...