Last week I checked my credit report and found that one debt is listed by both the creditor and a collection agency. However, the outstanding balance and the default dates are different. I’m wondering how is that possible. Also, what should I do now?

My son has died 2 months back. He had a federal student loan. What will happen to this loan?

I have heard that I can request the creditors to give me a paid in full letter after a debt is settled. But, is it just a request or I can force the creditor to give me a paid in full letter?

I have paid off all my debts 2 years back through bankruptcy. Now, I have incurred fresh debts. Can I qualify for debt settlement again?

Received a voicemail from a Liz Collins on Monday from CSG (caller id stated No Caller Id). Yesterday, she called back and left a message stating she is with CSG Arbitrations. In both calls she left a phone number to call of 877-436-3372. She claims I am going to have multiple fraud charges filed against unless I call her office by today. Also a Form R 16 will be filed with my employer (which is laughable as my employer will not honor something unless from the courts or the Feds). She claims that I have been sent multiple letters in the mail and I failed to respond.

I know that a good score is required to take out a loan. Is it applicable for modifying a loan, too? Will they check my credit score if I’m interested in modifying a loan?

A debt collection agency contacted me regarding 2 credit cards. I have set up a payment plan with them. Last month, I made my first payment. But the collection agency applied the payment to the second debt with high interest. I told them to apply the payment to the first debt. Still, they didn't listen to me. Is it legal in Idaho?

In 2004, my wife and I filed for a Chapter 13 Bankruptcy that was converted to a Chapter 7 and then discharged in 2007. My mortgage company, Magellan Home Loans, and loan servicer, Wilshire Credit Corp., were both notified on the certificate of service once the bankruptcy was discharged.

Tax filing extension - Can anyone please suggest what is that? If I file for extension, will I have to make the required payment on that date?

I need fast cash. So, thinking about borrowing from a payday loan company. Can you suggest me a good lender/company in Hawaii? Also, will they check my credit score?