I keep getting offers in my mail for credit reports that will be sent to me at an annual price of $99. Shall I register for this service? I want to know if they are genuine offers?

What should I do now because the creditors are taking me to the court and I might have a judgment?

Can I tell my creditors that I am "Judgment Proof"?

Can an original creditor turn the account to a collection agency even if they are receiving regular payments from me? I believe that as long as I am paying to my creditors, my accounts won't be sent to collections and I am not to be sued for anything. Can you confirm this for me?

Has anyone heard of or know anything about Alliance Funding Corporation? I was wondering because their webiste sounds too similiar to alot of other companies that I have seen posted here. I have been pre-approved for a $3000 loan and am waiting for a phone call from them to see what their catch is - such as "insurance" to guarantee the loan. Just wondering if anyone has heard of them and if we should add them to the list of scam companies.

My parents owe some money to the lender who has been regularly calling them. They are not able to pay this off at the present moment. Since they are going through the old age, I wish to know what happens to the debt if they are no more (God forbid. But, I really have to understand this). They don't have anyone except me and they have not made any kind of will as of now. I am sure that I will be taking care of everything. They do have insurance but I believe that won't be enough. What will happen to the debt if I am left alone?

Hi Creditors report charged off debt to the bureaus. This makes life of the consumers difficult while looking for new credit in the future. The negative remark entered in the file will stay for 7 years from the date the account turned delinquent. If a debt is charged off, it does not signify that you are not legally obligated to pay it. The principal amount will still keep multiplying with all the interests and penalties. You will have to look into the SOL period of the original loan agreement and also the federal law governing collections.

Can multiple disputes be submitted with the CRA at a single time?

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