I was just contacted by an agency that is calling me to sate that I am being sued for a 14 year old debt.

The person who called you committed at least 3 violations of the federal Fair Debt Collection Practices Act. If you can identify the guy, and if...

I would like advice on a collection debt.

There may be a Statute of Limitations issue. The SOL is complicated by your being "away" during some of the time. You should first get a copy...

What should I do when i getting threaten phone calls for a debt collector that if i don't pay They will take me to court & jail.

I doubt that they will actually sue you. First of all, it is not a criminal offense to fail to pay a bill. You will not be sent to jail. Next,...

I make barely enough to live on as it is, if I get sued on an old debt do I have to go bankrupt? Or how would I pay?

Assuming that you are sued, and that you go to court, and you lose, all that the creditor has is a piece of paper which allows him to levy on...

Judgment from car insurance?

The judgment will be enforceable for 10 years, and the creditor may be able to renew it for additional 10 year terms. It will stay on your credit...

What type of attorney do I need for a payday loan I did not pay off around 4 years ago and the company is now trying to sue me?

First of all, payday lenders do not file lawsuits very often. It is probably an empty threat. Did they give you a court case number and the name...

"Charge off" is an accounting term used by creditors for their own tax reporting purposes. It has nothing to do with your obligation to pay the...

I am thinking of getting a payday loan debt relief company to help with my debt, any concerns I should have?

Don't do it. The interest rate, and the additional fees charged, are astronomical. You will default. They will clean out your bank account, and...

How do I get the other side to give me my business records if default is entered and it is not money I want, just records?

If your default is only for a money judgment, it does not give you the right to seize the records. You need to file a lawsuit requesting that the...

I have been sent a summons and am told i have to reply to it. How do I do this i can;t afford an attorney.

You should, at least, consult an attorney. One defense which should be evaluated is called the Statute of Frauds. Did you agree, in writing, to...