Credit Card Discussion

Okay, morbid thinking. My parents have life insurance but from what I know they just have joint bank accounts. So if Dad died and Mom wanted to refinance the house or something, would she be able to do that or does the 20+ years of excellent credit count for nothing because Dad was/is the primary [...]

I’m on Social Security. I have three collection services that have agreed to payment plans, but only one has given me a written copy of our agreement.
Under Ohio law they cannot collect anything I have, including life insurance.
What can I do to force these collector’s to give a written agreement? And, to get them [...]