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Very good informaiton Yet. I agree and endorse what you are saying. I will add a slight word of caution however on the small claims court suit.

I personally sued a collector and Experian in small...

Sometimes they are set up by the courts. Mediation is now a new tactic, especially used by Citibank and is not set up by the courts but is "allowed" according to the terms of the user agreement. It...

I have never heard of a "case management". What is it?

These “mediations” are a scam set up by the credit card companies and are no more a ‘mediation’ than calling a third party debt collector and asking if they would like money from you. It is an...

Mr Yet is correct and most of those forms can be found in your local courthouse or local law library.

What a lot of these slime balls do is search for debts for which the Statute of Limitations...

Obviously, Pennsylvania is not a very debtor friendly state and if your bank account can be frozen and wages garnished, the first answer is pretty much on target. Now, seems to me, a new bank account...

Ok, first of all she has violated the Fair Debt Collections Practices Act multiple times. From threatening legal action she doesn't intend to take to threatening to take your home.

Here is what I...

Don't fax them anything and read my entire reply.

Pat Hicks
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Well, first of all, I am not an attorney but I would recommend you contact one immediately. You might search out "Legal Aid" from the local legal community, which is usually free, or contact an...