Debts and Credit

A collection agency for a four year old medical debt is now threatening to put a lien on the house and report to credit agencies. The contract's first service was 3/30/2005 The last payment by us was 10/04/2006. The reason for non-payment is disagreement to the amounts owed and amounts already paid by insurance.The debt is close to $15,000 with late fees. What should we do at this stage?

I was sued by a previous landlord. We ended up settling out of court, but my previous landlord never notified the courts that debt was settled. When I went to refinance my home I found out there is a judgement on my credit report. Can I sue him for not notifying the courts we settled or for bleming my credit unlawfully? I've already filed a motion to satisfy judgement, but I filed it over a month ago and the judge still hasn't signed of on this. Very frustrated. Do I have any legal rights here?

We are behind on the payments for our motor home. We would like to keep it but that doesn't appear likely. We would like to know the consequences of voluntary repossession. We are aware that our credit will be affected, but are concerned there could be other consequences, such as garnishment, etc. We owe approximately $100,000 and have about 13 years left on our loan. Our financial situation has changed. Although we would like to keep it, we can't.

I had applied for a prepaid debit card for my tax return to be deposited. After I received my refund, they closed my account for the card stating that too many email addresses were used. So my account was closed without any notification. I had this card for 3 months before my refund was deposited and they stated that they waited until transactions were made to close the account. Can they do this?

I have recently come across an opportunity where there are a list of four email addresses. You send five dollars each to the person at the bottom of the list and to the person at the top of the list. Then you replace the email address at the bottom of the list with your email address. The person on the bottom of the list is supposed to get 20 people to sign up for the program and follow the exact same process. You never have to give more than $10.00. You collect five dollars if you are the person on the bottom of the list and five dollars when you become the person on the top of the list. You only have to sign up two people to break even. There are claims that this same program was featured on Oprah. I believe the program is called the 'Guardian' system. Since this involves such a small amount of money and only the bottom person and the top person get paid,could this be considered illegal?