Archive for the ‘How to Beat Collection Agencies’ Category

Sued By Your Credit Card Company? What Do You Do Next?

Whether in mail or at your doorstep, you may have received a notice from your credit card company stating that they are suing you for impending credit card debts. At first, this could be the most terrifying thing. And consumed by the fear, individuals tend to make the most blatant mistakes. The tragedy of the […]

Credit Card Lawsuit Process

If you have received a legal notice from a creditor regarding an outstanding debt, the best course of action is to fight it. This article provides a step-by-step outline of the entire credit card lawsuit process. It is vital that you understand the credit card lawsuit process and you are aware of the potential developments […]

What Happens After I Sue a Debt Collector?

In my previous posts, I outlined the basic steps involved in filing a lawsuit against a debt collector for violating federal debt collection laws. You can read my earlier posts here. This post focuses on what happens after you have served papers on a debt collector. Now that you have filed your lawsuit against an […]

Dealing with Debt Collectors Best Practices

This articles touches on the do’s and don’ts when dealing with Debt Collectors. Fortunately, there are many state and federal laws that protect consumers from overly aggressive debt collectors. So, it’s important that you know your rights. The tips in this article also help preserve your rights to sue debt collectors who break the law. […]

New York State Debt Collection Laws and Procedures

This page serves as a resource center to help residents of New York State understand their rights with regards to aggressive debt collectors, credit card lawsuits, and state debt collection laws. While debt collectors in all 50 states are governed by the federal Fair Debt Collection Practices Act, many states have enacted their own debt […]

5 Most Common FDCPA Violations Debt Collectors Make

Often times debt collectors break federal law because debtors are not aware of their rights. For instance, many people do not know that debt collectors must cease contacting you over the phone, if you tell them to stop calling you. This is probably the most common violation debt collectors make. Learn your rights, and let […]

How to Answer Debt Validation Letters

If you are currently dealing with debt collectors or trying to clear your credit report, you have probably found a lot of information regarding Debt Validation Letters. This is a letter that a consumer sends to the debt collector requesting validation of a debt that is on their credit report or that the collection agency […]

Tricks Debt Collectors Use

It shouldn’t be surprising that Debt Collectors are never depicted well in movies or TV shows. We know that they are not charitable folk who care about your new baby or your four year old who broke his arm. Neither do they lose a moment’s sleep because you have been made redundant or have been […]

Defending Yourself Against Collection Agency Lawsuits – Questions to Ask Yourself

When you were served your summons and complaint, what went through your mind? This article goes through the questions that went through my head when I was served by several collection agencies and an original creditor. I won three cases in a court of law. I’ve included details relating to all three of these cases […]

Old Credit Card Debt Lawsuits Can You Get Away With It?

If you have old credit card debt, will it come back to haunt you? Absolutely. There is no doubt about it. The process is simple for creditors: You stop making your payments. Then they keep sending you bills tacking on interest and late fees until your bill is amazingly high and that $30.00 payment you […]