Debts and Credit

I was in an accident (my fault) although my ins was 3 people 100,000 each, two people will be over 100,000. I am disabled and collect a small pension from my late husband. I also own my house out right and have an IRA. What is protected? I am afraid of losing my house and it is the only thing that keeps me going as I spend 99 % of my time here.

I have been served on an old credit card debt (last payment in February of 2008) and would like to offer a settlement to a 3rd party collector - offering up to $8,000 on $26,000 debt. This collector and several others that were assigned to it before repeatedly violated FDCPA. The suit, in fact, was served at my in-law's home, a place in another parish where we have never lived or listed as our address. We have repeatedly given them our correct mailing and physical address. A collector also called my father's home and told disclosed specific details regarding the debt - amount, creditor, etc. Should I mention these violations in my settlement letter or let it go?

How can I place a lien on someone either against their assets or just have the lien filed so the person cannot acquire a credit card or obtain a loan? I had a verbal agreement with this person that they would reimburse me for payment made on their cell phone account. The amount I am owed is approx. $350.00 and to date the person has not paid me anything. This situation has been going on since August 2010.

More than 5 years ago but less than 10, my nice borrowed $3,000 from us for her wedding. She promised to pay us back within 6 months but, when time came to pay back, her new husband told us that 'blood-related' people in his book did not need to pay this type of loan! We disagreed with him but he would not discuss it further. He is a police officer in Dallas and twice my size, and half my age, so I did not feel comfortable making it more clear to him since I would not have much to defend myself if he got more upset then he was already for my trying to convince him and his wife to pay what was due to us. This niece and nephew have 2 children now and they have bought a house in Dallas but, I just heard that the house is on the market For Sale. My idea is to simply place a Mechanics' Lien on the property and if enough Equity is available to pay the $3,000 plus any interest that I can legally claim, I would go forward with this plan right away. If you see a good possibility for this plan to work against their equity on their house, we would like an estimate of cost to have this legal procedure done for us ASAP. Your reply and suggestions will be appreciated, --- I am now retired with only S.S. benefits coming in so I would like to collect from this malicious police officer (nephew) of ours.

I am being sued by third party debt collecotor about 3 year old credit card debt, how can I defend this? First notice of suit was order of hearing may 16