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I received a letter from Chase Cardmember Services offering a settlement of $1,303 on a debt of $5,211. The account was charged off as a bad debt three years ago. I've hit hard times because of my...

My bank account has been garnished. Can they also garnish an income tax refund due me? My taxes are due soon, and I'm not sure whether I should file for another extension, or what I can do to prevent...

What recourse do I have when a creditor or collector has violated the Fair Debt Collection Protection Act?
In one case, they did not stop calling after a cease and desist letter.
In another, they...

I fould a webiste with Michigan law that states I can request for Filing a Request for Installment Payments.

Can you please give me that web site's URL? I'm in a similar situation.
TIA,
Lil

What should have happened is the judge should have asked the plaintiff to produce verification of the debt. If they couldn't you should have asked for a dismissal. If tha't not the way it went,...

Well, I had no money in my checking account and wasn't smart enough to close my business account. The credit union tells me they can do that with a dba account, but not if it were a corporate...

That was three employers ago, so I'm concerned that they'll embarrass me with the last two employers, too.

Thanks for all the advice, everybody.

Lil

A credit card won a judgment against me without a trial. (They and I were totally unprepared for the pretrial hearing. Their lawyer had nothing with him that the judge asked for. I had nothing that I...

I indicated my intention to defend against the suit by responding in writing to the request for a default judgment and by showing up in court. I was shocked when the judge handed down a default...

OK, I responded to the request for a default judgment against me, indicating my intent to defend myself at the trial. Now I got a notice of a hearing for entry of default judgment. Of course I'll...

How does one file a motion for discovery in Michigan? I understand it is sent to the lawyer for the side who is suing me. Do I send a copy to the court? Is there a particular format that needs to be...

Honestly, I can't even afford to pay the hardship plan amount any more. I was hoping I could win the whole thing based on their failure to validate the debt.

Thanks for asking! I can really use the help. Autoelec is not me, but s/he is correct: the suit is over credit card debt. After trying credit counseling and getting nothing but offers of debt...

Yes, I went to court for the pretrial hearing. I have a court date for the hearing. I *do* plan to go and defend myself.

This letter and motion arrived between the pretrial hearing and the actual...

How does one respond to a motion for a default judgment in a Michigan civil case? The letter from the lawyer says pursuant to MCR 2.602(B)(3), the judgment is submitted for signing if no written...

I just got a "notice of submission of order under 7-day rule" dated April 6. Pursuant to MCR 2.602(B)(3), a law firm is asking for a judgment if no written objections are filed within seven days...

I'm told that if a firm refuses to validate a debt under the FDCPA, they may not legally collect the debt. Further, I'm told that a billing statement is not considered proof. Is that true? If so, can...