Is the company trying to spam by asking me to make payment on an account on which charge-off is written on my credit report?

i was served for a judgement in early Aprl, i sent a validation letter and sent it to the courthouse as well. The collection agency still hasnt responded, and i checked with the courthouse they said nothing has happened since i filed my response. Now what should i do?

If I take credit counseling help, is it mentioned in my credit reports? How long will it remain in my reports?

About two months ago a received a very threatening letter in the mail from Nationwide Debt Reduction Services that I thought was a collection notice. The information on the letter wasn't accurate but it stated,

"Failure to call [us] and make your minimum monthly payments will likely result in interest accruing on your unsecured credit balances at an unreasonable rate."

I did some browsing online first before calling them and found that they are sending out these spam pieces of mail to everyone.

Hi everyone, Last year I had a business fail and both personal/business debts attached to me. I was quite depressed and moved to Thailand but have since somewhat gotten back on my feet. I now have a Wyoming LLC and work as a freelancer in Thailand, sometimes with US clients. The LLC's bank account is only used for accepting client payments (direct or via Paypal/Stripe) and making transfers to my Thai bank (personal), or to my US broker (also under the LLC's business name).

Qualifying for a student loan forgiveness can be a little difficult. There are many ways to get loan forgiveness as a student. After graduating, you can join public services as there are terms in some student loans regarding that. Military services can be a great choice as there are laws about that you, central services, state services and volunteering can also be a good choice. That actually depends on the kind of loan forgiveness program you are dealing with.

I want to opt for consolidation but don't know whete to start form. Can anyone please help me with this.

I am not able to make a decision. Will it be wise to borrow from my 401(k) to repay some of my debts?

Is it possible to get complete discharge from student loans through bankruptcy? Do I have to prove undue hardship or pass Brunner test. I have somehow came to know about this term. Can I get discharge from federal syudent loans too? I have personal student loan too.

Which option will help keep home in bankruptcy - Chapter 7 or Chapter 13?