Nathan DeLadurantey's answer You're going to need to file a motion with the court. You will need to explain (and show) how the plaintiff is no longer in business and that the judgment should be listed as satisfied. You may want to retain a lawyer to help you, as you are going to need to file a number of different documents with the court.
Nathan DeLadurantey's answer You certainly have a right to dispute the incorrect information under the Fair Credit Reporting Act. The credit reporting agency (and the company putting the incorrect information on), must investigate your dispute and get back to you in 30 days. Contact a Wisconsin consumer lawyer and get a free consultation. They can help you.
Nathan DeLadurantey's answer No, you won't go to jail. Because if your card/bank authorizes the transaction, you'll then owe the bank all that money. They'll freeze your accounts and probably sue you for the money. Don't be stupid; don't do it.
Nathan DeLadurantey's answer You may have a case for an "illegal repossession" and be entitled to get the vehicle back -- AND return of all the money you paid on the car. Contact a local consumer lawyer that specializes in repossession cases and request a free consultation.
Nathan DeLadurantey's answer Most likely, no. That's because 6 years after default (assuming they don't have a judgment and you didn't make any partial payments) the debt can no longer be collected. Find a consumer lawyer and get a free consultation to better understand your rights.
Nathan DeLadurantey's answer That's an issue of "hot debate" in the legal community these days. I would recommend talking with a lawyer in Wisconsin that handles "consumer law" issues or debt collection issues. I'm sure they'd be happy to take a look at the collection letter with you. Depending on what the letter says, or how it's detailed, it may be a violation of a federal law for them to charge the interest that way.
Nathan DeLadurantey's answer Sounds like you need to utilize something called "chapter 128" that's available to individuals in Wisconsin. You do need to be employed to file; so I"m not sure if you have any employment income in addition to your disability. Here's an article about how a Chapter 128 works: http://www.huffingtonpost.com/entry/live-in-wisconsin-and-in-debt-chapter-128-is-your_us_58f4fcb7e4b015669722516d
Nathan DeLadurantey's answer You'd need to offer a few more details - are you talking about the funds in your checking account? Regardless of the source, you have a balance of $5,000 (based on the state statutes) that's protected from garnishment.
Nathan DeLadurantey's answer Are they sending the bill to you? Sounds like you need to locate a Wisconsin consumer law lawyer to review the letter for you. They shouldn't charge you anything to review the letter, explain your rights, and give you some advice.
Nathan DeLadurantey's answer These situations are very fact specific. I would recommend filing a complaint with the Attorney Generals office, as well as the Consumer Financial Protection Bureau. Otherwise, you will need to hire a lawyer ASAP to fight off the foreclosure.
Nathan DeLadurantey's answer They do have to find you financing; or service the loan at the terms offered. Locate a consumer lawyer for advice if they don't offer this to you - or worse yet, offer you worse terms from some other financing place. We call that "yo-yo" financing.
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