Question: If I paid the amount the  pay day loan company told me I owe and then now they say I owe additional $1100, can they put me in jail? I have several pay day loans outstanding. One loan company said I owe $432 and I need to pay it or they will put me… Read More


Question: What can I do regarding erroneous credit reports?   Credit bureaus  have been issuing erroneous credit reports on me. They confuse my credit history with my brother’s. Answer:  Send a certified letter to each of the 3 credit bureaus stating what the problem is and what entries on your report are not yours.  Copy the… Read More


The New York Times has another story about mixed credit files and the problems they cause for consumers.  A consumer just won a large verdict against Equifax for mixing her perfect credit file with somebody who had bad credit.   If your credit file is being mixed with somebody else’s, contact Edelman, Combs, Latturner & Goodwin, LLC… Read More


A recent blog post discusses the latest opinion requiring a consumer to arbitrate their claims.  Forced arbitration and class action waiver clauses are preventing many consumers from bringing claims, and allowing many types of businesses to get away with overcharges and fraud.   If you believe this is wrong, please contact your United States representatives and the Consumer… Read More


  At FTC’s Request, Court Orders Halt to Debt Collector’s Illegal Practices, Freezes Assets Defendants Allegedly Broke the Law by Posing as Process Servers, Threatening Lawsuits, and Contacting Consumers’ Employers and Family Members in Violation of Their Privacy At the request of the Federal Trade Commission, a U.S. district court has halted a debt collection… Read More


Question: What do I do if I have recently paid a judgment filed against me but the creditor is still harassing me for more money?   I recently paid a judgment off against me for rental properties.   The company that filed the judgment still wants me to pay more money and won’t  satisfy the debt… Read More


Great article today in the New York Times about ChexSystems and other banking credit reporting bureaus.  Many consumers are being blacklisted by banks due to mistakes or errors in the banking credit reports.  We have assisted many consumers with this type of problem.  You have a right to obtain a copy of these reports by contacting… Read More


Question: A nursing home has sent me a statement for my uncle’s expenses with a note that they need to be paid. The statement is for the last 8 months. Why would they have waited this long to ask for money? I haven’t signed any papers nor am I on any of his financial accounts. Are… Read More


Question:  I had a debt in excess of $8,000 back in 2009. I received a letter from a collection agency saying they will settle it for $6,000. I happily agreed to save that $2,000 and paid the $6,000. I had received a letter showing that it was settled in full. Three years later, I get… Read More


    Question: If received a letter in the mail stating I am to appear in small claims court out of state, what can I do?   I’ve been issued a citation from small claims court in the state of Indiana. Apparently, I was to appear earlier this year, but was not informed at the time.… Read More