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Recent bankruptcy law questions

Credit Card Debt vs PERSONAL LOAN (LENDING CLUB;PROSPER)

Credit Card Debt vs PERSONAL LOAN (LENDING CLUB;PROSPER) DEBTHello .,I lost my job and I am not able to make payments on my Debts,both Credit Crad Debts and Personal Loan Debts(Prosper and Lending Club).Question:How long after being first time PAST DUE,can credit cards sue me for the debt owed to them?Is it different for Personal Loans?Can they sue anytime OR they MUST,by Law,first try to collect,then selling debt to Collections Agencies?

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legalg

Juris Doctorate

 
12,200 satisfied customers
I have a creditor, I am referring to schedule e/f in

I have a creditor, I am referring to schedule e/f in bankruptcy, if I have a creditor, a collection agency who is suing me. my original debt was for $10,000 and they have added fees and interest and they are suing me for $21,000 my question is should I add them only to part 3 of schedule e /f? Or should I add them to part 2 and part 3 (which is what I did). I have the original debt, which was sold, listed in part 2 already.

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Terry L.

Partner

Doctoral Degree

 
2,832 satisfied customers
I was taken to court old debt from discover, and a

I was taken to court for an old debt from discover, and a judgement was given in favor of the debt collector. This judgement was given in somerset county New Jersey. I began to pay the debt until I learned that there was a previous judgement on the same discover debt in Bronx new york several years back. The collection agency stopped the collection procedures due to Res judication or something like that. I had paid about $1200 dollars before learning that they should not have Gotten the judgement due to previews judgement. Now a different law firm/collection agency is trying to collect the same discover debt. They sent me a letter at my mothers house in ellenville NY stating that although the debt has a statue of limitations on it I still must pay them, and I should call them to make payment arraignments. There was mention of the previous judgements or payments. What can I do to get them off of me with this recurring debt that seems to around to every debt collector in the area.

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Roger

Litigation Attorney

Doctoral Degree

 
32,814 satisfied customers
I am being sued credit card. I must respond to the demand

I am being sued for a credit card. I must respond to the demand letter by tomorrow. I owe the debt and can pay it in full within 15 days. What do I do if I have to respond by tomorrow but don't have the money yet?

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Christopher B, Esq.

Attorney

Juris Doctor

 
4,782 satisfied customers
I have a company who says they can reduce my credit card

I have a company who says they can reduce my credit card balances. They do this by having me not pay my bills so it goes to collections. Then they work with the collection agencies to validate the debts. I guess it's hard to actually validate so the debt becomes invalid. I pay a monthly fee to the business (Non-profit) to pay for their legal work etc. They also say it doesn't affect my credit but actually goes into excellent status once the program is done. I was extremely skeptical but I checked BBB and they have several positive reviews, no negitive ones and A+ rating. Is this all correct or am I being scammed?

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Roger

Litigation Attorney

Doctoral Degree

 
32,814 satisfied customers
I have a credit card charge off that went delinquent in 2010

I have a credit card charge off that went delinquent in 2010 and charged off probably that same year. A collection agency is trying to collect on it now, however there is no reference to this debt on my T/U or Experian credit reports anymore (no reference to it in any form). I'm willing to just pay it because this particular collection agency is notoriously aggressive and definitely will pursue a judgement, however I'm worried about it showing back up on my credit report if I do that. Do I still have to worry about it showing back up anyway since it has been less than 7 years?

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LEE HORNER

Attorney and counselor at law

Juris Doctorate

 
8 satisfied customers
I have just been contacted by a collection agency on an

hi i have just been contacted by a collection agency on an account i never opened it was for chase back then washington mutual i have contacted chase equifax trans union and experian they show no history of the 14,000 the collection agency says i owe they wont stop calling me and have now said they will garnish my wages i have recently consoilidated all of my debt if owed this it would have come up on my reports and i would have included it in the consoildation please help

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Ely

Counselor at Law

Juris Doctor

 
62,078 satisfied customers
Debt collector just put a hold on my savings account. case,

debt collector just put a hold on my savings account. case, is from dec 2007.

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DrakeLAW

Juris Doctorate

 
308 satisfied customers
I married a man who has credit card debt from his deceased

I married a man who has credit card debt from his deceased wife. We live in Florida and now it's at a collection agency. Since we are now married, am I responsible for this debt as well? He says he has not idea that she had this debt.

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mmdesq

Attorney

Doctoral Degree

 
866 satisfied customers
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