Archive for the ‘How to Beat Collection Agencies’ Category

What Happens if I do Not Respond to Summons

I got this from a collection lawyer’s website and it is quite scary how fast these guys come after you once they have received judgment against you. It’s sad that most of the people who are sued by a collection agency just don’t fight back. Why? The odds are they don’t have anything on you […]

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. 1. Served with court summons and complaint The process will begin when the credit card company files a document […]

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 Sue Debt Collectors for Fair Debt Collection Practices Act (FDCPA) Violations

The purpose of this article is to outline the steps needed to sue debt collectors for Fair Debt Collection Practices Act (FDCPA), or violations without an attorney. If you want to get an attorney involved, it is best to wait until you get your case on a court docket. This way the attorney can take […]

Debtors’ Rights: Dealing with Collection Agencies

The legal team at Northwest Justice project has put together an excellent publication regarding consumers’ rights with respect to dealing with Collection Agencies. While the publication specifically focuses on laws in Washington State, many of the same consumer’s protection are available in other states. If you live outside the state of Washington, we recommend you […]

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 […]