Can I Take Legal Action against Debt Collectors

If your Home in Texas has been declared property, it cannot be used to pay off any debt – with the exception of debts incurred for the purchase of the home (i.e., a mortgage in default), for home renovations, for home equity loans, or to pay certain taxes. You have the right not to be contacted at work if the debt collector knows you can`t take calls from them at work. If the limitation period has expired, your outstanding debt will be considered time-barred. When asking about your debt, keep in mind that in some states, if you confirm in writing that you owe the debt, the clock will be reset and a new statute of limitations will begin. At Debt Advisors, we let debt collection agencies pay you! If a debt collection agency has violated FDCPA laws, its actions are likely to have a negative impact on your life. The result of their illegal actions may have caused you tangible damage, as well as physical damage such as lack of sleep, stress and anxiety. If you can prove your case successfully, damages will be awarded. Payment can be important and well worth your time and effort. (Up to $1,000 per violation) Clients often have questions about how to sue a collection service provider for damages. Our lawyers and legal staff have the experience to prove your case in court. If we take care of your file, we are sure that we can provide you with the financial compensation you deserve. If you are being harassed and feel like you have a case, talk to a creditor harassment lawyer right away. Fill out the “Get Started Now” form to get started, or contact us at one of our six locations in Wisconsin.

Can a collection agency contact someone else about my debts? Don`t ignore the trial. Consider talking to a lawyer. Show up on the day of your case and inform the court that the debts are time-barred. You`ll likely need to provide proof of this, so plan to bring a copy of the collector`s debt information or any information indicating the date of your last payment. If money collectors dance offline and break the law, don`t pay them. Instead, take legal action and sue them. A creditor nuisance lawyer at Debt Advisors will determine whether you have a case or not. If there is evidence to sue a creditor, we will pursue that case for you. After all, proving that a collector has violated your rights is the biggest challenge. There are many positive things that can happen when you sue a creditor who “misbehaves.” Here`s what you need to know: Going to court can feel overwhelming to do it alone. But there are options for getting legal aid, including first, if you win your FDCPA lawsuit, your debts won`t be written off. You still have to pay it off as long as it`s not an old debt.

If you don`t pay the debt, the lender can sue you to collect the debt. Through this type of lawsuit, they can apply to the court for an order that allows them to grab your paycheck and coordinate your assets, such as the money in your bank account. Whatever you do, don`t ignore the trial. Even if you don`t think you owe that guilt. Responding to a debt collector`s lawsuit in court will likely put you in a better situation, cost you less, and give you more control over how to pay off the debt. Ignoring the legal notices and documents will not make the trial disappear. And despite what you may have seen in TV shows, you can`t stop things by refusing to accept the delivery or “service” of the trial. In fact, the case can continue without you.

This means that the court can rule without hearing your side, and the debt collector could win by “defaulting” because you didn`t show up. Yes. Negative information – such as outstanding debts – can usually remain on your credit report for up to seven years. Report any issues you have with a collection agency: If you are preparing to sue a debt collection agency for violating the FDCPA, there are some important steps you can take to prepare for a successful lawsuit: A collection agency must provide you with “validation information” about the debt, either during the collection agency`s first phone call with you, or in writing within five days of the original date. Contact you. The collector sometimes has to tell you four pieces of information. It depends on the state you live in. Some state laws state that it is illegal for a collection agent to contact you about a prescribed debt. But even if you live in a state where a debt collector can still contact you, they can`t sue or threaten you for a prescribed debt. If a debt collection action is brought against you, you must respond by the date indicated in court documents. And you can respond in person or through your lawyer.

This will protect your rights. Don`t ignore the trial. For more information, read what to do if a debt collector sues you. Our goal is your goal, and that is to succeed in court. Consumer protection under the FDCPA is carefully assessed. Important steps must be taken to build your case against a creditor. Learn more about the amount and type of damages you can collect. The sooner you contact us, the better we can build your file.

And remember that if one of our creditor harassment lawyers represents your case, these costs will be covered in comparison. (registration fees, deposit, transcripts, service fees, etc.) Yes. If a collection agency tries to collect more than one debt from you, the collection agent must apply each payment you make to the debt you choose. A debt collector can`t apply the payment to a debt you say you don`t owe. If you owe a debt, act quickly – preferably before it is sent to a collection agency. Contact your creditor, explain your situation and try to create a payment plan. As a rule, creditors help you catch up. If a debt collector violates the law, you have one year from that date to sue that collector in state or federal court.

You can sue for damages that occurred because the collector broke the law – expenses like losing wages or medical bills, or compensation for the impact of the debt collector`s actions on your work or health.