Ambulance company has not refunded overpayment

Dear Consumer Ed:  A year ago I overpaid an ambulance service and am having a hard time getting the overpayment returned. I have called several times, but nothing has happened. What can I do?

Can I get rid of a judgment lien against my home?

Dear Consumer Ed:  I just found out that there is a judgment lien against my house.  How does this affect my house?  How long will the lien be there?  What can I do to get rid of the lien? 

How long does medical debt stay on your credit report?

Dear Consumer Ed:  How long does medical debt stay on your credit report?

Protecting yourself from cell phone account fraud

Dear Consumer Ed:  I have frozen my credit with Equifax, Experian, and TransUnion to help reduce my risk of identity theft. I just heard that I could be at risk of cell phone fraud because there is another credit reporting agency that keeps data on telecommunications and utilities accounts.

Loan company not reporting all payments to credit bureau

Dear Consumer Ed:  I make loan payments, which are reflected on my credit report. I pay every month, but sometimes the loan company skips a month and does not report to the credit bureau. Isn’t that hurting my credit, and don’t they have to fix that?

Is loan offer a scam?

Dear Consumer Ed:  This supposed lending club is offering to loan me $5,000, but they say that since my credit isn’t great, they need to verify my intention to pay by a means I find suspicious.

Credit Card Balance Transfer Offers

Dear Consumer Ed:  I keep receiving 0% balance transfer offers in the mail from credit card companies.  I’m carrying a little extra debt right now. How can I determine if it’s a good idea to transfer my existing credit card debt to the 0% card? 

Collection agency claims it will reduce my outstanding hospital debt if I pay now

Dear Consumer Ed:  I just received a call from a collection agency concerning an outstanding hospital bill I owe for $1,100.  They said that if I pay within a week they’ll reduce the debt to $400.  Do they have the ability to do that, or do I have to worry about another agency contacting me in th

Reducing tax debt

Dear Consumer Ed:  I worked as an independent contractor the last two years while my wife was unemployed.

Are Georgia retailers required to accept payment by check?

Dear Consumer Ed:  I prefer to pay for my purchases by check, but it seems there are very few stores and gas stations in Georgia that accept checks.   Are there any regulations that require Georgia retailers to accept payment via check?