Does anyone know what the SOL would fall under in Massachusetts? I know leased vehicles fall under UCC laws and have a SOL of 4 years. Do financed vehicles fall under UCC laws for sales contract? If it does, that would have a SOL of 4 years also.

I was just wondering if Massachusetts is the only state that does this. If a debt collector sues you and wins, or anyone for that matter they get a judgment. After the judgment there is what is known as a Supplementary Process hearing. If the defendant fails to show up, a capias is issued. What that is is pretty much a civil arrest warrent to bring you in front of the judge to explain why you failed to show up and what can be done as far as making a payment. I know someone who got a letter from the Sheriff and he was scared over it. I had to explain to him what it was.

Question: WHY DO ALL DEBT RELIEF PROGRAMS AND COMAPINES,AS WELL AS SERVICES CLAIM TO HELP YOU, BUT YOU LITTLERAL HAVE TO BE RICH AND IN SUCH LARGE AND LIMITED TYPES OF DEBTS WHEN THEY REALLY DON'T? wHY IS IT IF YOU ARE POOR AND ON FIXED INCOMES AND DISABLED, THEY TELL YOU TOO BAD COME BACK WHEN YOU CAN AFFORD MORE DEBT? Before I became disabled and lost my home I had companies that claim to help with debts coming out of the woodwork. Now not one single program or company will even talk to me WHY??? This is blatant discimination against the poor and disabled.

I have a lot of debt that I need assistance with. I want to know if anyone has heard of CRS Financial.

I have been going to a doctor for chemotherapy for quite a while, twice a week. For the first three months I stopped at the front desk to pay a co-payment and each time I was waved out the door saying everything is taken care of, afterwards I no longer bothered to ask. Nine months later I received a bill for these same co-payments starting with my first visit. Do I owe payment?

My boyfriend was contacted today by a woman at SSA Group in NewYork for a pay day loan he took out in June 2009. They sent a gentlemen to his home and place of employment to "serve" him. The payday loan company is out of Utah. He borrowed $300 from them and they say he owes $735 but will settle for $500 if he pays them by Jan 15th otherwise they are going to press charges against him. My first question is #1 - We live in Texas can he go to jail for this? #2 - Is what they are doing legal? and #3 - What options do we have?

I am current with all of my CC accounts right now, however in about a month I am going to stop paying and go the settlement route, due to reasons I'm sure you've heard before. Unfortunately, my accounts are all in good standing for several years, and because I had learned about credit at 18 when I worked for a bank part-time, all of my credit cards which I acquired from 18-19 have the phone number to my parents house.

So... I'll try to do the readers digest version of what's going on. In 2000 or so, I had stellar credit but was hospitalized for about a year and put on disability (SSDI). As a result, I've not had money to pay my bills. Fast forward to now, I just received a letter in the mail threatening to sue me (from ESM Enterprises?) for an old debt. I do not remember most of my debts (not saying the debts aren't valid) so I am unsure if it is legit that way. I do not know if this letter is legit either, it gives me 30 days to respond. I have been conned before and do not want to be again.

Please see the response I received today. "We are in receipt of your email and it was forwarded to the lender. This response is offered on behalf of the lender, ICA. International Cash Advance, Inc. (ICA), doing business as Magnum Cash Advance, is a British Virgin Islands (BVI) corporation. No solicitation or advertisement was offered in Ohio by ICA. Customers must seek out ICA on the internet and apply on "their" web site. The choice of law governing your loan, The BVI, was clearly displayed on the web site and in the loan agreement you executed.

Filed chapter 7, exempted a car that I owe $1000 on and declared a value of $4000 being bluebook minus needed repairs... Totaled it the next day, insurance is paying out $7500. Any advice? Does the court get the money? Can I keep the cash or do I have to buy another car?