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I agree with John. I would only add that, I would check your credit report to see if in fact they have obtained a default deficiency judgment. If not then they may be more bark than bite. If they have gone to the trouble of getting a judgment agianst you, then you know they mean business. In...

Not responding won't make this problem go away. In fact depending on the jurisdiction you may have less than 30 days before a default judgment is entered against you and then the nightmare really begins. Consider this for a moment. With a judgment in place the creditor can have your income...

Yes you certainly may send a "C&D" letter. But as you have said it may activate their legal remedys. I wouls say only send the letter if and when you are prepared to deal with a lawsuit from these people. But, that doesn't stop them from pursuing that option without such an action on your...

Be prepared to pay debt or face bank or income garnishment!!! Hello Friend, Unfortunately the letter that you have their shows their intent to get what they feel that they are rightfully due. And if you do not or can not show the Judge proof to the contrary, they will more likely than not...