www.solosuit.com Open in urlscan Pro
34.201.80.84  Public Scan

Form analysis
0 forms found in the DOM

Text Content

SoloSuit
SoloSuit
 * About
 * Blog
 * Products
    * Debt Answer
    * Debt Validation Letter
    * Motion to Compel Arbitration
    * Debt Lawsuit Settlement Letter

 * My Account


DEBT COLLECTION BLOG


HOW TO SETTLE DEBT WITH DISCOVER

Discover Financial Services is the third-largest credit card company in the
United States. Aside from its massive footprint in the credit card sector, the
company also offers traditional banking services, home equity loans, personal
loans, and student loans. Despite the numerous customers that choose to do
business with Discover, the company currently has a one-star rating with the
Better Business Bureau. Discover customers frequently complain about its
collection practices and differences between the credit offers they receive and
the actual interest rates charged. If you’ve got debt with Discover, you likely
want to get rid of it quickly. Here are your options.


HOW TO APPLY FOR UNEMPLOYMENT BENEFITS IN FLORIDA

The Federal government works with the state of Florida to assist workers who are
unemployed for reasons beyond their control. The Florida Reemployment Assistance
(Insurance) Program helps residents care for their financial needs until they
find work. The Department of Economic Opportunity (DEO) is responsible for this
program.


IS IT SMART TO CONSOLIDATE DEBT?

You may be attracted to the idea of borrowing money to pay current loans,
especially if you struggle to keep up with repayments. Some consumers use the
opportunity to increase their spending. But as exciting as it sounds, debt
consolidation can cause some serious financial issues. Whether it is wise to
consolidate debt or not depends on your needs. Before incurring additional
liabilities, you should determine if the new loan will solve your underlying
issues. This article will discuss the pros, cons, and other variables of debt
consolidation so you can decideestablish if it is right for you.


WHAT HAPPENS WHEN YOU SETTLE A DEBT?

If you owe a debt that you can’t afford to repay, you may consider settling it.
The settlement process involves paying a portion of the amount owed in return
for wiping your account with the creditor clean. Sometimes, creditors agree to a
settlement, especially if they don’t believe you can fully repay them.


HOW TO NEGOTIATE DEBT SETTLEMENT ON YOUR OWN

Are you caught in a debt trap that you can’t seem to get out of? Maybe you are
making regular payments on obligations, only to see most of your money go toward
interest and not your loan's principal. You might struggle to make regular
payments and find yourself with little disposable income to put toward savings
or retirement.


HOW TO BEAT CKS FINANCIAL

Debt collectors and portfolio buyers like CKS Financial are the worst callers
for consumers to handle. They are aggressive, persistent, and sometimes abusive
in their collection attempts. There is no doubt their efforts can seriously
stress you out.


HOW TO SETTLE A DEBT IN LOUISIANA

Debt settlement continues to assist countless consumers in regaining their
financial life by allowing them to pay off long-standing debts. In Louisiana,
delinquent accounts often lower your credit score affecting your likelihood of
getting a loan or a new line of credit.


HOW TO SETTLE DEBT WITH MIDLAND FUNDING

Midland Funding, LLC is one of the nation’s most prominent debt collectors. The
company frequently purchases charged-off accounts from creditors like JP Morgan
Chase, Synchrony, and Capital One. Creditors typically charge off accounts when
the consumer stops making payments for six months or longer. If your old credit
card account is with Midland Funding, you’ll want to take action quickly to
avoid a potential debt lawsuit.


HOW TO SETTLE DEBT WITH LVNV

LVNV Funding, LLC, based in Las Vegas, Nevada, is a large purchaser of consumer
debt. The company holds a portfolio of overdue obligations and outsources
collection of the debts to another organization, known as Resurgent Capital
Services. If LVNV Funding purchases a debt you owe, you’ll likely start
receiving letters and emails from Resurgent Capital.


HOW TO SETTLE A DEBT IN COLORADO

If you’re like many Coloradans, you’re paying back a personal loan, medical
debt, or a credit card — or all three. While you try to stay on top of your
obligations, you might get too caught up in debt and find it impossible to make
your payments. When you stop paying your creditors, they take notice. They’ll
probably start calling you and sending you letters. If you don’t resume your
payments, they may charge off your account, sell it to a collection agency, or
file a lawsuit against you.


HOW TO BEAT KLS FINANCIAL SERVICES

If you received a Summons and Complaint from KLS Financial Services regarding an
unpaid debt, you have options. Don’t throw your hands up in despair or waive the
white flag of defeat. Yes, the thought of batting a debt collection company in
court can feel daunting, and even a bit overwhelming. Nevertheless, if you
proactively prepare, you can beat KLS Financial Services in court. This article
explains how to achieve that and everything else you need to know about debt
collection lawsuits and KLS Financial Services.


HOW TO BEAT CAPITAL MANAGEMENT SERVICES

“I can’t wait for Capital Management Services to call me about my debt again!” —
said no one ever. When Capital Management Services starts calling, it could be
that they think you owe a debt. There’s a chance you might actually owe, but
before you send over any money, you should do some investigating to understand
your options. You can request a debt validation before taking any action and
fight back in court if you’ve been sued by CMS.


HOW TO DISCHARGE A DEBT WITH UCC

You may have taken out a loan to obtain business equipment or property if you’re
a company owner. Business equipment allows you to create or produce the goods
and services that attract your customers. Typical business loans involve funding
for commercial real estate, business vehicles, office equipment, or inventory.


HOW TO BEAT GLA COLLECTIONS

Facing a fierce debt collection agency in court, like GLA Collections, can be
intimidating. Debt collection companies like GLA Collections understand the
ins-and-outs of debt collection laws and may seem to have the upper hand against
you in a legal proceeding. However, there are strategies you can use to beat GLA
Collections in court. This article explains how to achieve that and everything
else you need to know about debt collection lawsuits and GLA Collections.


MOTION FOR SUMMARY JUDGMENT — DEFINITION

You may have heard of a Motion for Summary Judgment, but you might need
clarification on its meaning. Put simply, a Motion for Summary Judgment can
expedite the legal process by asking a judge to decide a case based on the
evidence provided. Either a plaintiff or a defendant can file the motion. The
judge will then decide whether to grant the motion depending on the case’s
circumstances and evidence. Either side can rebut the motion by providing their
own evidence and arguments.


HOW TO BEAT FRANKLIN COLLECTION SERVICES

Has Franklin Collection Services Inc., commonly called "FCS," contacted you? It
can be a scary experience having a debt sent to collections. What are your
rights if Franklin Collection Services goes after you for money, and how far
will they go to get paid?


TENNESSEE COURT CASE SEARCH — FIND YOUR LAWSUIT

You can look up any public court case in Tennessee online. An "open court" case
is one whose records are not confidential. Aside from accessing the documents
filed in the case, you may also attend the proceedings if you want to, even when
you are not a party to the case.


HOW TO FIND AN ARBITRATION CLAUSE IN YOUR CREDIT AGREEMENT

If you take the time to thoroughly review your credit card agreement, there is a
good chance you will find a mandatory binding arbitration clause. In many
instances, an arbitration clause within such an agreement is relatively brief,
but the impact it can have on your legal rights is huge.


HOW TO SETTLE A DEBT IN MISSOURI

You’re struggling to keep up with your mortgage, car payment, and grocery bills
without falling behind on credit card or personal loan payments. The stress
might seem never-ending. If you’ve gotten to the point where you can no longer
make monthly repayments, you need to know your options.


HOW THE CONSUMER FINANCIAL PROTECTION BUREAU DEBT COLLECTION RULE APPLIES TO YOU

You may have heard of the Consumer Financial Protection Bureau’s (CFPB’s) new
Debt Collection Rule. The Debt Collection Rule came into force on November 30,
2021, and provides specific safeguards to consumers who owe debts.


IF YOU ARE USING A DEBT RELIEF AGENCY, CAN YOU SETTLE YOURSELF WITH THE
CREDITOR?

If you’ve had enough of the constant bills and a lingering debt hanging over
your head, you may have decided to work with a debt relief agency to take action
on your outstanding obligations. Maybe you felt like you couldn’t keep up with
your minimum payments, and debt settlement could get you out of the woods with
less damage to your credit than bankruptcy.


WHAT IS UNSECURED CREDIT CARD DEBT?

Credit cards are credit facilities by banks that usually have a preset limit.
When consumers talk of credit cards, they almost always refer to unsecured
cards. They are the most common credit cards because of quick approvals without
requiring collateral. In 2019, Experian estimated that the average American
consumer had four credit cards. And as the cost of living keeps increasing, more
people are relying on this type of debt for upkeep. Unsecured credit cards have
their upside and downside. Before opening a new credit card account, you should
understand these factors. First, we will examine why consumers prefer unsecured
credit cards.


HOW TO SETTLE A DEBT IN ALASKA

Knowing that you owe money to a debt collector or creditor can be immensely
frustrating, especially if you cannot fully repay the debt. You may struggle to
make payments for months or years only to see little difference in the
outstanding balance. Fortunately, you can settle your debt if you are struggling
to make ends meet. Many creditors and debt collectors are willing to settle for
a portion of the original debt amount, especially if you explain your financial
circumstances and obstacles.


CAN YOU GET UNEMPLOYMENT IF YOU QUIT?

Unemployment benefits temporarily cover a portion of your wages if you lose
work. The insurance typically covers employees who were laid off or furloughed.
But what if you quit? You could still receive unemployment provided the state
considers your reason for leaving “good cause.” A good cause for quitting means
that you separated from the employer for valid reasons and that the cause could
not be resolved with the employer.


CAN YOU SETTLE STUDENT LOAN DEBT?

Student loans can wreak serious havoc on your finances, especially if you don’t
have the means to repay them. The monthly payment for a student loan can stretch
into hundreds of dollars, impacting your disposable income and reducing your
ability to afford an asset like a home. Getting rid of student loans has
traditionally been difficult. It’s next to impossible to eliminate them through
bankruptcy, so most people are stuck with them until they repay them, no matter
their financial circumstances.


DEBT SETTLEMENT PROS AND CONS

Are you finding it challenging to keep up with your minimum payments on your
credit cards or other loans? Are you looking for a way to eliminate your debts
quickly while saving money on interest and the amount you owe? If you are,
you’ve probably come across debt settlement.


HOW TO SETTLE A DEBT IN MASSACHUSETTS

Being in debt is never a good time. When debt collectors come knocking, it only
makes matters worse. If you’re shelling out money toward paying off a debt, you
may not see much reward for your efforts — especially with high interest rates
involved. If you can’t keep up with your payments or stop making them
altogether, you may be taken to court for the matter.


SHOULD I HIRE A LITIGATION ATTORNEY?

Are you the victim of an unfortunate accident or on the receiving end of someone
else’s wrong actions? If so, you may consider filing a lawsuit against the
individual or entity that harmed you. A legal claim can help you recover damages
for your losses or force someone to stop doing something that is negatively
impacting you.


HOW TO SETTLE DEBT WITH A REDUCED LUMP SUM PAYMENT

Dealing with debt sucks. You may find yourself facing a debt collector who
doesn’t want to let you off the hook, calling incessantly and trying to get you
to pay up. Each communication makes your heart drop, but you’re probably unsure
of how to get it to stop. If this sounds like you, you’re likely under a lot of
stress. Credit problems can cause lots of anxiety and even put you into
depression. You'll have to take action to stop the calls and eliminate the
problem. You can either pay off the bill, set up a payment arrangement, or
attempt to negotiate a settlement with the creditor.


HOW TO SETTLE A DEBT IN SOUTH DAKOTA

Is a creditor or debt collector chasing you for an unpaid debt? Have you
received notice of a debt lawsuit against you in South Dakota? If so, you’re not
alone. Thousands of people face debt lawsuits across the U.S. every day.


HOW TO SETTLE A DEBT COLLECTION LAWSUIT FOR LESS

Are you being sued for debt by a creditor or a debt collector? If so, you need
to take action quickly to prevent a default judgment against you. If the court
grants a default judgment, creditors and collectors can take harsh measures
against you to collect the money owed, like garnishing your wages or freezing
your bank account.


SHOULD I SETTLE A COLLECTION OR PAY IN FULL?

Do you have an outstanding debt with a creditor that you’re unsure how to
handle? Sometimes, people fall behind on their regular payments due to job loss
or other life situations, and they’re not sure how to resolve the problem. They
may be in so much debt that their attempts to overcome it are futile.


WHAT HAPPENS IF I REJECT A SETTLEMENT OFFER?

Have you received a settlement offer from a creditor or debt collection agency?
If so, you have a choice to make. You can accept the offer, counter with an
offer of your own, or ignore the communication.


HOW TO SETTLE A DEBT IN INDIANA

An outstanding debt can cause you sleepless nights if the debt collector is
constantly contacting you, demanding that you pay. They may call at odd hours of
the day or night and leave countless emails or voicemails. If you ignore their
attempts to collect, they may sue you for the debt, fees, interest, and legal
costs. Indiana debt collection laws allow debt collectors to take you to court
before the statute of limitations on debt expires.


SHOULD I SETTLE MY DEBT?

Everyone makes mistakes, and everyone runs into problems beyond their control.
You might fall into debt due to a bad decision or two or an unexpected crisis,
like losing a job or going through a divorce. Regardless of the reasons for it,
owing money you can’t afford to repay is one of the hardest challenges you’ll
face.


WHAT IS A MOTION TO STRIKE?

In legalese, lawyers use a Motion to Strike to remove part of the other party’s
pleas or evidence from the record of the judicial proceedings. In a courtroom,
the plaintiff’s or defendant’s legal team can ask for the removal of certain
information given in a trial, hearing, Complaint, or Answer.


WHAT IS A DEBT SETTLEMENT AGREEMENT?

A settlement agreement can help you bypass the lengthy and costly litigation
process. For example, you can offer to settle instead of enduring a debt
collection lawsuit. The court will dismiss the case if the debt collector
accepts your offer.


NUNC PRO TUNC — A DEFINITION

The legal phrase “nunc pro tunc” originally came from Great Britain. It’s a
Latin term that translates into “now for then.” Many countries, including the
U.S., use the phrase to refer to a retroactive correction of a prior ruling.


HOW TO GET RID OF STUDENT LOAN DEBT

Many students accrue debt as they pursue an education hoping for a better
future. But a lot of graduates have difficulty repaying their loans. Repayment
may take several years and require a consistent income flow.


BENCH TRIAL — DEFINED

A bench trial is a trial without a jury. Instead of jurors, the judge alone
holds decision-making power. They will hear both sides of a case and examine the
evidence before issuing their findings.


HOW TO MAKE A WILL

Many Americans do not have a will or have not thought about their real estate
and other financial affairs after their demise. According to many, it is
superstitious, and they fear tempting the "forces" that affect death. But,
superstitious or not, a will is an essential part of preparing for the future.


LITIGATOR — A DEFINITION

Are you involved in a lawsuit or thinking about filing a lawsuit? Do you like
watching TV shows about legal affairs, like “Law and Order” or “Better Call
Saul”? If so, you’ve probably heard of the legal term litigator, but you may not
know what it means. People often interchange the terms litigator and trial
lawyer, but they mean different things.


HEARSAY — A DEFINITION

Have you ever wondered what hearsay is? Hearsay is commonly used in a legal
context, but you may also hear someone use it to describe gossip. Understanding
hearsay in a legal context can help you if you ever find yourself involved in
judicial proceedings.


HOW ARBITRATION WORKS

Understanding how arbitration works is essential when seeking to resolve a
dispute because you'll know what to expect and how to maximize every step in the
process. Arbitration is common in the business world, where people handle
employment contracts, retail contracts, partnerships, and credit card
agreements.


SUMMARY OF THE EQUIFAX DATA BREACH SETTLEMENT

After five years, Equifax victims are finally beginning to receive updates about
their upcoming settlement payments for the massive breach five years ago.
Class-action settlement recipients were notified by February 25, 2022, about
their eligibility and payment options through emails sent by the claim's
administrator. You may have a ticket for free credit monitoring for four years
if you receive this email.


INJUNCTIVE RELIEF — A DEFINITION

At its core, injunctive relief is a performance remedy that a plaintiff or
defendant can request from the court. If the court grants injunctive relief, the
impacted parties must either take specific actions or stop them. For instance, a
plaintiff can request injunctive relief to stop someone from building an outdoor
concert hall next to their home.


SOLE CUSTODY-DEFINED

Child custody has two main components—legal and physical possession. Physical
possession of a child is when a parent has physical control of the child. In
comparison, legal rights mean deciding your child's health, education, religion,
etc.


CAN YOU SETTLE A WARRANT IN DEBT BEFORE COURT?

Getting sued for an old debt is frustrating and stressful. The case against you
is going to court, and you have a limited timeframe to take action to protect
your rights. You’ll need to take action if you don’t want the case to become
part of your public record. You have a few alternatives: pay off the debt in
full before your court date, attempt to come to a settlement agreement with your
creditor, or file an Answer and fight the case.


HOW MUCH DO SETTLEMENT COMPANIES CHARGE?

Debt settlement is the process of offering a creditor or debt collector a
percentage of the original value of an obligation in exchange for an agreement
to eliminate the remaining debt. You can realize significant savings through
debt settlement, often paying as little as 50% of an obligation with no further
interest charges or penalties.


HOW TO BEAT ARSC DEBT COLLECTORS

Debt collectors know the buttons to push to cause consumers to panic or
constantly live in fear of dire financial consequences. ARSC is no exception. It
is a relatively new collection agency that aggressively pushes consumers to pay
a debt that is sometimes not theirs, or the debt information is inaccurate.


WHAT IS ALIMONY?

A significant part of the divorce process is alimony. Alimony can refer to
several payments made from one spouse to the other, and divorcees are entitled
to alimony to maintain a similar standard of living.


WHAT IS WFDS?

As if keeping up with your Personally Identifiable Information (PII) is not
stressful enough, you must also stay on top of every credit account, inquiry,
and collection on your credit report. Finding an unfamiliar organization or
company name on your credit report is worrisome. It is common for creditors to
report using a different name from the one you know. Sometimes it is even an
alternative identity. Other times it can be an acronym or the bank that financed
your account. WFDS has been subject to such confusion.


HOW TO SETTLE A DEBT IN OHIO

Are you tired of receiving calls from your creditor or a debt collector for a
debt you owe but are finding it hard to keep up with the payments? Debt
settlement can be an option to eliminate the debt and rid yourself of persistent
debt collectors.


WHAT IS AN ATTORNEY MALPRACTICE LAWSUIT?

When you seek legal advice from an attorney, you expect them to provide you with
the correct information you need to make crucial decisions. Whether your
attorney advises you in a personal injury claim or some other matter, you expect
their advice to be accurate and in your best interests.


DOES A LIVING TRUST PROTECT YOUR ASSETS FROM LAWSUITS?

Many people use estate planning tools to ensure that their family is protected
and their wishes carried out upon their death. One common estate planning
instrument is a living trust. Living trusts help beneficiaries avoid probate,
which can be long, expensive, and arduous. In some cases, living trusts can also
protect assets from lawsuits.


SAMPLE LETTER TO REMOVE A CHARGE-OFF FROM YOUR CREDIT REPORT

If you’ve stopped paying your creditors for unpaid debts, they will likely
report your account as a charge-off after four to six months of non-payment.
Charge-offs reflect negatively on your credit report and may drop your credit
score by 100 points or more.


HERE’S A SAMPLE LETTER TO COLLECTION AGENCIES TO SETTLE DEBT

Is a debt collector pursuing you for an old debt you wish was long behind you?
If so, you may try to settle the obligation. Under debt settlement, you agree to
pay a certain amount to the collection agency. In exchange, the collection
agency accepts your payment and writes off the remaining balance.


WHAT IS THE BANKRUPTCY DEFINITION OF CONSUMER DEBT?

If you’re considering bankruptcy to eliminate your debts and rebuild your
financial health, you’ll want to understand how it works. There are two types of
bankruptcies that individuals typically may file: Chapter 7 and Chapter 13. Both
have different requirements that consumers must meet, and both can erase
specific types of debt.


SHOULD I HIRE A CIVIL RIGHTS LAWYER?

The United States has a long history of defending the rights of its citizens,
especially those facing discrimination due to race, ethnicity, gender,
disability, or religion. But despite the many protections available through
civil rights laws, many people regularly face discrimination, especially
regarding employment, housing, and police conduct.


HOW TO BEAT WESTLAKE PORTFOLIO MANAGEMENT

Whenever you apply for credit, you hope to keep up with the monthly payments.
You also may not foresee the original creditor selling your account to a third
party. So you may be surprised, even shocked, to learn that you now have a
contract with Westlake Portfolio Management. Even more distressing is having to
set up a new repayment plan.


HOW TO WIN A FREEDOM DEBT RELIEF LAWSUIT

Do you feel misled by Freedom Debt Relief? Did you sign up for their debt
settlement services only to find yourself in a worse position than before? You
are not alone. In the last few years, Freedom Debt Relief has been the subject
of two major lawsuits alleging that the company did not act in its clients’ best
interests.


HOW TO BEAT CREDIT BUREAU SYSTEMS

Every day, thousands of American consumers have to deal with debt collection
calls. One such caller is Credit Bureau Systems, Inc. Credit Bureau Systems
(CBS) started out collecting for the healthcare industry. It eventually branched
out to other sectors. But the goal is the same: to get consumers to pay on
delinquent accounts.


HOW TO BEAT AMERICAN PROFIT RECOVERY

Can a regular consumer like you go up against a big debt collector like American
Profit Recovery? Absolutely. SoloSuit is the only weapon you need. American
Profit Recovery (APR) aims to help its clients recover money from defaulted
accounts. While their mission is simple—to help creditors improve cash flow by
getting invoices paid—it's not unusual for debt collectors to get aggressive.


HOW TO SETTLE A DEBT IN IOWA

The threat of being sued in Iowa courts for a debt can be upsetting, but even
once a lawsuit has been filed, there are still ways to fight back and win. With
the help of SoloSettle, you can settle a debt before it ever proceeds to trial.
Debt settlement saves you time, money, and, most importantly, allows you freedom
from the stress and worry that come with a pending lawsuit.


IS DEBT FORGIVENESS TAXABLE?

Typically, if your debt was forgiven or canceled by a lender, the amount
forgiven is taxable. However, tax exemption is possible depending on your
situation and the type of debt. If you qualify, you can eliminate or reduce the
tax charges.


HOW TO GET A DIVORCE IN FLORIDA

Every couple hopes their marriage will last a lifetime after getting married. No
one enters into a marriage thinking it might end in a divorce down the road. But
marriage is not always successful.


HOW TO BEAT HELVEY AND ASSOCIATES

The trouble with Helvey and Associates is they do their best to get on your
nerves until you pay. Their persistence and harassment can make consumers start
paying even without confirming the facts.


WILL COLLECTION AGENCIES SETTLE FOR LESS?

Do you wince every time the phone rings? Outstanding debts are stressful enough
without the addition of persistent debt collectors. The best way to free
yourself of this burden is to settle your debt as quickly as possible. But what
if you don’t have the money to pay your debt in full? Will collection agencies
settle for less? The answer, surprisingly, is yes.


MISTRIAL — A DEFINITION

You’ve probably heard of a mistrial but may not know what the term means.
Essentially, a mistrial occurs when something happens during court proceedings
that adversely impacts the outcome of a case. A judge will declare the case a
mistrial before granting a finding for the defendant.


IF I SETTLE WITH A COLLECTION AGENCY, WILL IT HURT MY CREDIT?

Your credit score is one of the first things that financial institutions look at
when considering you for a loan. It can influence your eligibility for a
mortgage or even your ability to rent an apartment. Paying your bills on time is
one of the most important ways to preserve your credit.


HOW ATTORNEY CONTINGENCY FEES WORK

If you’ve ever thought about hiring a lawyer, you’ve likely wondered how you’d
pay for their services. After all, attorneys don’t exactly have a reputation for
being cheap—on TV, you always see them dressed in snazzy suits, winning the big
bucks for their clients in court.


SHOULD I HIRE A CIVIL LITIGATION ATTORNEY?

You might consider filing a civil lawsuit if you’ve suffered physical or
financial losses due to someone else’s actions. While a civil case can’t restore
your health, it can entitle you to monetary damages you can use to get back on
your feet following an unfortunate incident.


AFFIDAVIT — A DEFINITION

Affidavits are a common type of document used for legal purposes. In a civil or
criminal case, a lawyer may ask a plaintiff, defendant, or witness to sign an
affidavit guaranteeing that the facts they gave are accurate and true.
Affidavits are standard in family law and bankruptcy cases, though they may also
appear in other types of cases.


BAR ASSOCIATIONS FOR ALL 50 STATES

Are you curious about bar associations and what benefits it has for you as a
young lawyer? Becoming a bar association member can have a lifelong and positive
impact on your career and personal life. For instance, bar associations help
you:


HOW TO BEAT AWA COLLECTIONS

Although debt collection phone calls can be annoying, a ruined credit report is
worse. AWA Collections knows that consumers will do anything to protect their
credit scores.By reporting, they hope to pressure you to pay in a hurry,
sometimes without the full details of the account. But worse, collections make
consumers panic, reacting in ways that can harm them further, like renewing
zombie debts. In the company's own words, they “use credit reporting to compel
(consumers) to make payment.”


HOW TO BEAT TRS RECOVERY SERVICES

Americans' purchasing power has increased, thanks to credit, allowing them to
buy homes, cars, and other goods utilizing a “buy now pay over time” method. But
consumer debt was $16.5 trillion as of September 2022, with the average American
debt among consumers being $96,371.


WHAT IS WUVISAAFT?

When 'WUVISAAFT' shows up in your bank statement transaction history, it may
mean some money was transferred using your credit card or debit card through
Western Union Money transfer services.


WHAT DOES REAFFIRMATION OF DEBT MEAN?

People who file for bankruptcy are typically in extreme financial distress. They
may be unable to work, facing significant medical debts, or dealing with a
substantial reduction of their ordinary income. Usually, an individual in
bankruptcy sees no way out of their current situation aside from completely
eliminating their debts.


HOW TO BEAT ALLIANCE COLLECTIONS

Debt collectors can be excessively annoying, including Alliance Collections.
They know the best stress-causing buttons to push to convince you to pay by
borrowing again (often at high-interest rates) or using your life savings. It's
even worse if you do not have these options available, and you may reluctantly
file for bankruptcy.


HOW TO BEAT CAPITAL ACCOUNTS

Was your last encounter with a Capital Accounts agent nasty? Did they speak
rudely or threaten you in any way? Collection agencies sometimes feel superior
because of their enormous size compared to the individual consumers they’re
contacting.


HOW TO BEAT RELIANT CAPITAL SOLUTIONS

Do you cringe every time you hear the phone ring because you suspect it's
Reliant Capital Solutions (RCS) calling again? Are you wondering whether they
have a right to contact you multiple times a day? According to the Fair Debt
Collection Practices Act (FDCPA), they should not call you more than once a day
for the same debt.


TENANCY IN COMMON – DEFINED

Tenancy in Common (TIC) is a unique type of co-ownership in which two or more
parties share equal or varying ownership rights of a commercial or residential
property. If the co-owner dies, their share of the property goes to the
beneficiary.


WHY CAN'T LAWYERS GIVE LEGAL ADVICE?

You ask a lawyer friend of yours if you are likely to win your case, and they
say, “yes and no,” and quickly change the subject. Why won't they answer with a
yes or a no? You can’t help but wonder why attorneys can be so stingy with legal
advice.


HOW TO BEAT NATIONAL RECOVERY AGENCY

“Yay! Another call from a debt collector!” — said no one ever. Dealing with debt
collectors like National Recovery Agency (NRA) is no fun, and if they are coming
after you incessantly, you are not alone.


WHAT IS MORAL TURPITUDE?

American courts broadly define moral turpitude as behavior that shocks the
public's conscience. They deem it an act of base, vile, or depraved behavior
that contravenes morality and rights owed to fellow men.


HOW TO BEAT MERCANTILE ADJUSTMENT BUREAU

No one likes receiving a call from anyone asking for money, let alone debt
collectors. It’s understandable if you feel frustrated after receiving several
calls from Mercantile Adjustment Bureau (MAB). As a debt collection agency with
over 30 years of experience, MAR has mastered the art of harassing consumers
into paying their outstanding debt.


CAN YOU RECORD A CALL WITH A DEBT COLLECTOR IN YOUR STATE?

If a debt collector or creditor is hounding you for an unpaid debt, you may feel
uncomfortable with their ongoing calls and collection activities. Usually,
collection activities begin with a letter before debt collectors call you at
home or work. You may receive daily phone calls from them, pressing you to pay
your debt or set up a payment plan.


HOW TO FIND THE ATTORNEY THAT IS SUING YOU (SECRET)

Most attorneys don’t want you to know what we’re about to show you. It’s a
secret that gives you power and leverage in litigation cases — especially in
debt collection cases. In debt collection cases, attorneys for the debt
collector usually have the consumer’s contact information but the consumer
doesn’t have the contact information of the attorney.


HOW TO SETTLE A DEBT IN CALIFORNIA

Getting sued for a debt in California is stressful. You have to respond to the
lawsuit, and it’s usually difficult to find an attorney to take on your case.
When you know you owe a debt, and you want to settle it once and for all, you
have options. Most creditors and debt collectors are willing to accept a
settlement for less than you originally owed. In fact, the average debt
settlement in the US is 50% of the original debt amount.


JOINT CUSTODY–DEFINED

Joint custody (shared custody) refers to the arrangement made by both parents in
which they share decision-making rights and the child's physical well-being.
Joint custody arrangements are made during the divorce hearing, and the
execution is defined in the court order. Shared custody can have a different
meaning depending on:


HOW TO BEAT GLASS MOUNTAIN CAPITAL

A collection agency such as Glass Mountain Capital (GMC) may resort to
litigation to collect a debt. Fortunately, SoloSuit takes care of everything for
you and makes it super easy to fight Glass Mountain Capital (GMC) in court.


HOW TO BEAT PARAGON CONTRACTING SERVICES

Being harassed for medical debt is extremely painful because illness is not
something you go looking for, but it finds you unexpectedly. Medical bills can
consume your entire savings, just so you can receive the care you need to
recover.


ADJUSTER - DEFINED

Insurance companies do not pay out claims without first investigating them. They
hire insurance claims adjusters to determine that the company is liable and the
claim amount is not exaggerated.


THE PROS AND CONS OF DEBT SETTLEMENT

If you’re having difficulty repaying your debts, you’re probably looking for a
solution. You may have heard of debt settlement. Debt settlement typically
involves paying an overdue debt with one lump-sum payment, usually equal to a
percentage of the total value of the debt.


BEAT A RESURGENT DEBT COLLECTOR

If you’re reading this article, you’ve likely received phone calls, letters, or
emails from Resurgent Capital Services seeking to collect a debt. Resurgent
Capital Services is a debt collection agency specializing in chasing consumers
for unpaid credit card and medical obligations.


HEARING VS. TRIAL

The confusion between a hearing and a trial results from popular culture using
the terms interchangeably. A trial is a type of hearing, but numerous other
court proceedings are labeled hearings, and understanding the key differences is
crucial.


PRO SE - DEFINED

Pro se is a legal term that is Latin for "on one's own behalf." "Pro se" refers
to a litigant who goes through the trial without appointed legal representation.


WHY DO LAWYERS CHARGE SO MUCH?

Lawyers, like doctors, bill hundreds of dollars per hour for their services.
That is outrageous for an average consumer earning far less than that. Remember
that the federal minimum wage is only $7.25 an hour. Lawyers know that their
fees are high. In fact, some lawyers have said they could not afford their own
services on their current salary.


HOW TO BEAT ALLIANT CAPITAL MANAGEMENT

Alliant Capital Management is a debt collector. So a call from them probably
means one thing: you are in debt, and the account is past due. Occasionally, the
call is misplaced, so the debt may not even be yours.


HOW TO BEAT CONTRACT CALLERS INC

Contract Callers Inc (CCI) is a unique type of debt collector. Sometimes they
work for creditors as a first-party extension of their regular staff. Other
times they act as third-party debt collectors handling post-charge-off accounts.


HOW TO BEAT LTD COLLECTIONS

U.S. researchers estimate that 28% of Americans struggle with debt in
collections. If you are one of those people, it might be comforting to know that
you’re not the only person who has past-due debt. But it may still be unpleasant
to have debts in collections even though it is fairly common, and a debt
collector agency like LTD Collections can sue you.


WHAT IS EXTINGUISHMENT OF DEBT?

Some days, your debt can feel like a burden that follows you wherever you go.
Worse, debts from things like credit cards will only grow, depending on your
interest payments. Your end goal is the extinguishment of debt, meaning your
debt is gone. Here’s how settling your debt can lead to its extinguishment.


WHAT IS DEBT INTERNMENT?

Many imagine prison as a lonely, desolate place filled with hardened and
dangerous criminals. They picture inmates in orange jumpsuits following a dreary
routine from sunup to sundown, sustaining themselves on plain food from the
prison cafeteria. It’s possible to create your own prison for yourself, even
without committing a crime. Debt internment, or debt prison, is typically
self-inflicted.


HOW TO BEAT PRINCE PARKER AND ASSOCIATES

Prince Parker and Associates is not just any debt collector. The company is
licensed and bonded in every state. So wherever you are in the United States,
you should not be surprised if they contact you.


HOW TO BEAT RGS FINANCIAL, INC.

If RGS's efforts to collect from you fail, they will probably enter the debt on
your credit report and sue you. That's why beating them will prevent your
financial situation from getting worse. Today, we will explain various ways to
deal with RGS without plunging deeper into debt. We will also give you steps to
respond to a lawsuit if it progresses to that point.


HOW TO BEAT COAST PROFESSIONAL

There are probably a lot of emotions involved if you just learned that your debt
has entered collections with Coast Professional. There may be a lot of stress,
confusion, and uncertainty surrounding the situation. Breathe deeply and take a
moment to relax.


HOW TO BEAT CREDIT MANAGEMENT COMPANY

Credit Management Company will likely use every trick in the book to get money
out of your pocket. Such persistence and aggression can be extremely
frustrating. All debt can weigh you down. However, healthcare debts are
notorious for driving consumers into bankruptcy. And yet, collecting on behalf
of healthcare providers is Credit Management Company's forte.


HOW TO BEAT PROCOLLECT

"If you don't get paid, we don't get paid." That is Procollect's promise to its
clients. So you can imagine they will be aggressive when reaching out to
consumers. It is how they make money. While dealing with accounts in collections
can be scary, it is not that complicated if you know what to do.


HOW TO BEAT REAL TIME RESOLUTIONS

Dealing with debt collectors can be stressful, exhausting, and awkward.. People
often avoid their calls because they fear what they will say. You are not
powerless. Knowing your rights can help you deal with calls and other forms of
contact from a debt collection agency.


HOW IS DEBT DIVIDED IN DIVORCE?

People mostly think about the assets in divorce and forget that debt must also
be distributed. Sometimes, the debt division can be the most frustrating and
confusing of all the divorce processes.


INTESTATE–DEFINED

It is unsettling to realize that dying intestate means the division of your
estate rests on legal procedures and not on your wishes. Without a will, the
estate often goes to the surviving spouse, the children, extended family, and
any descendants the courts can reach. If the courts cannot trace any family,
your estate becomes the state's property.


SHOULD I SEND A DEMAND LETTER BEFORE A LAWSUIT?

You may not have to send a demand letter to the person you are suing. The
lawsuit will still go through, and you could win if the judge decides you have a
case. Even then, you will have a better-organized court case if you write a
demand letter first.


HOW TO BEAT BAY AREA RECEIVABLES

A debt collection agency can purchase your debt if you've fallen behind on
payments for months or years. Many companies find chasing unpaid accounts
difficult, so they sometimes hire an individual or company to follow up on it or
sell the debt. Bay Area Receivables(BAR) is one company that buys long-standing
debt, usually for pennies on the dollar.


WRONGFUL TERMINATION–DEFINED

Wrongful termination, also referred to as wrongful dismissal or wrongful
discharge, occurs when an employer relieves an employee of their duties over an
illegal reason. Even though fired employees may feel they were wrongfully
terminated, the reason behind it should violate state or federal laws or the
contractual agreement to qualify.


WHAT IS AN UNLAWFUL DETAINER LAWSUIT?

Being on the receiving end of an unlawful detainer lawsuit can be extremely
stressful, especially if you’re fighting to stay in your home or apartment. If
your landlord is successful with their legal claim, you’ll have to find a new
place to live, which can be difficult if you don’t have good credit.


DIFFERENCE BETWEEN A TRIAL AND A HEARING

If a creditor has recently sued you, you’re likely wondering what your options
are. Generally, you can pay off the debt before the court date, set up payment
arrangements, or attend the hearing. In many cases, your creditor will ask for a
summary judgment granted by the court in their favor. Or they’ll hope that you
don’t respond in time and a default judgment is granted.


WHAT DOES A DEBT COLLECTOR HAVE TO PROVE IN COURT?

Have you recently been sued by a debt collector? If so, you’re likely wondering
what your options are. You can pay the debt or arrange a payment plan before
your court date, attempt to defend yourself before the judge, or avoid the issue
entirely and let the chips fall where they may.


HOW CAN I GET FINANCIAL ASSISTANCE IN PA?

If you live in the beautiful state of Pennsylvania and are struggling to keep up
with credit card payments, student loan payments, car payments, etc. now is the
time for action. Do not wallow in despair. Be proactive and explore how to get
financial assistance in Pennsylvania.


IRREVOCABLE AGREEMENT — DEFINED

When it comes to contract law, it’s essential to know the difference between a
revocable and an irrevocable agreement. In its basic form, a revocable agreement
is an offer that an individual or entity can withdraw before the other party
accepts it. An irrevocable agreement is one that the offering party cannot
withdraw. This type of agreement is standard in business contracts and trusts.
The terms are binding once accepted.


WHAT IS A DEFAMATION LAWSUIT?

Defamation occurs when someone makes a false statement about another individual
that results in some harm to the person or their reputation. The statement made
can be oral or in writing. States recognize two main types of defamation: libel
and slander.


WHAT IS A LIBEL LAWSUIT?

Libel is a form of defamation that occurs when someone makes false statements
about another person in a published format. Usually, the comments are malicious
in nature and harm the person’s reputation or character.


7 QUICK SOLUTIONS TO TYPICAL FAMILY MONEY PROBLEMS

Knowing how to manage money is a tough task, admit it. Living month to month is
exhausting and escaping the rat race should be a number one priority if you want
to live a good life and, more importantly, provide a good living standard to
your family.


WHAT IS ZOMBIE DEBT, AND HOW DO I DEAL WITH IT?

Do you know the primary difference between real-life zombies and zombie debt?
Zombies haunt you in mysterious places, but zombie debts haunt you everywhere
you go. Simply put, debt collectors might come after you trying to collect on a
zombie debt that they have no legal right to pursue. In this article, we will
explain everything you should know about zombie debt and how to fight it.


WHAT IS A SLANDER LAWSUIT?

If you are the victim of someone who made a statement about you that damaged
your reputation, you might have grounds to file a slander lawsuit. Slander
occurs when someone makes a false statement, usually with malicious intent to
cause you harm. Slander falls under the umbrella of defamation, which also
includes libel.


WHAT IS A DEBT BROKERAGE?

If you’ve ever received a bill from an unfamiliar collections agency, you may
wonder how they came to purchase your debt. After all, companies won’t just hand
over your account information to anyone; they follow a specific process to
maximize the chances of collection.


HOW TO DISPUTE A DEBT AND WIN

Chances are that you have some type of debt. Whether it’s an auto loan, credit
card, mortgage, student loan, or an unpaid medical bill, you likely owe someone
money. Owing money isn’t an issue if you make regular payments on your debts. As
long as you comply with the terms of your agreement with your creditor, you’re
unlikely to find yourself on the wrong end of a debt lawsuit. However, problems
arise if you stop making payments or if a debt collector wrongly accuses you of
owing a debt.


HOW TO SUBMIT A TRANSUNION DISPUTE

Credit scores and reports can say a lot about their subjects. Strong credit
scores, for example, give consumers access to favorable loans and credit
opportunities. Similarly, if an employer checks a candidate’s credit report
during the hiring process, a good credit score could help seal the deal.


NEW DEBT COLLECTION LAWS 2022

If you’re concerned about your debts, it’s essential that you stay on top of new
legislation changing the landscape of debt collection and consumer rights.
SoloSuit’s got you covered. Here are the debt collection laws that may impact
you in 2022 and beyond.


DEBT VALIDATION LETTER TEMPLATE

If you’ve received a letter from a debt collection agency, you’re likely
wondering what to do. Debt collection letters are often unexpected, and many
consumers don’t recognize what the debt pertains to or if it’s even theirs.


CERTIFICATE OF DEBT: A DEFINITION

A certificate of debt has several definitions, depending on the context of its
use. Consumers, companies, and governments use certificates of debt for
different purposes. Typically, the primary purpose of a certificate of debt is
to show the current amount that the entity or individual owes another person or
entity.


HOW TO BEAT MBA LAW

MBA Law (alias Capio Partners, LLC) has several ways of attempting to force you
to pay a medical debt if you fail to stay on top of it. Its representatives
often call you repeatedly, write to you, threaten legal action, and if you still
fail to pay, they may even file a lawsuit against you.


ALASKA COURT CASE SEARCH — FIND YOUR LAWSUIT

Finding your debt collection lawsuit in Alaska has been simplified thanks to the
state’s online platform, CourtView. Before, you had to go to the court clerk in
the records department and make a request or send your request via mail and wait
for days, if not weeks, to get a response. Alaska is a big state, and traveling
to the court clerk’s office can be an arduous task. Below, we provide a link to
the online portal and information on how to use it effectively.


DELAWARE COURT CASE SEARCH — FIND YOUR LAWSUIT

Dealing with debt collection agencies can be frustrating, and it's more
stressful when they take you to court. When you know how to navigate the court
system, you’ll be better prepared to stay updated on your case. Tracking the
status of your case closely will increase your chances of winning, giving you
more time to prepare a solid defense.


NEW HAMPSHIRE COURT CASE SEARCH — FIND YOUR LAWSUIT

Are you aware that you can view your court case records in New Hampshire? This
is excellent news that could change your debt collection strategy. New Hampshire
allows citizens to access their court records in person or online, under a 1976
amendment to the New Hampshire Constitution.


COLORADO COURT CASE SEARCH — FIND YOUR LAWSUIT

Do you have a debt collection case in a Colorado court and wondering if you can
gain access to the court records? Whether it is debt collection or another civil
matter, the good news is that Colorado allows its residents to access their case
documents online or physically in the courthouse where the case was filed.


IS SOLOSUIT WORTH IT?

A debt collection lawsuit is a ticking time bomb. You typically have as little
as 14 days to respond in court and with your creditor; otherwise, you’ll lose
the lawsuit to a default judgment. You need an ally. SoloSuit can help. You can
use SoloSuit to complete your Answer and rely on expert guidance regarding how
to file it.


LARGEST DEBT SETTLEMENT COMPANIES

If you owe old debts, you’re likely receiving letters or phone calls from
collection agencies. You may be struggling financially, trying to figure out how
to get out from underneath your crushing debt and move on with your life.


CONSTRUCTIVE EVICTION - DEFINED

There are times when landlords have tried to cut corners to evict tenants.
Instead of a legal eviction, they resort to cutting the water supply, power, or
heating system. Such landlords hope to force renters to walk out of their lease
before time is up. That way, they save themselves the hassle of serving you a
legal eviction notice, possible court fees, and the lengthy legal process.


HOW TO BEAT PENDRICK CAPITAL PARTNERS

Is Pendrick Capital Partners, a third-party collection agency harassing you? You
may be surprised to learn that your debt was purchased for approximately three
to seven cents per dollar, or in other words, 3-7% of the original debt amount.
It is possible that the collection agency does not have the documentation to
prove your debt is current and valid.


HOW TO BEAT RS CLARK AND ASSOCIATES

“Turn bad debt into profit” is the slogan RS Clark and Associates use to entice
companies to work with them. They promise clients they will succeed in getting
their outstanding debt from consumers without risking the business. In fact, RS
assures clients that it will help them concentrate on their business development
instead of delinquent accounts.


HOW TO BEAT CHOICE RECOVERY INC

Choice Recovery Inc. is one of many third-party debt collection agencies. They
buy bad debt for pennies on the dollar and trick you into paying it all at once.
For example, they pay $5 for a bad account that owes $1,000 to the original
creditor.


VIRGINIA COURT CASE SEARCH — FIND YOUR LAWSUIT

Having debt in today's world is almost inevitable. For some, the benefits
outweigh the interest charged. While for others, debt becomes an enormous burden
that plunges them deeper into it, especially if they are sued for it. Receiving
a debt collection lawsuit in Virginia can be frustrating and worse still if you
have no money to pay.


MINNESOTA COURT CASE SEARCH — FIND YOUR LAWSUIT

Most Minnesotans who have received a lawsuit from a debt collection agency feel
helpless—mainly because they do not know their consumer rights. Additionally,
they may not be aware they can follow up on the accuracy of their case by
accessing their court records.


LOUISIANA COURT CASE SEARCH — FIND YOUR LAWSUIT

If you are already struggling financially, a lawsuit can worsen an already bad
situation. Louisiana allows its citizens to access their court records mainly by
visiting the courthouse where the lawsuit was filed. Only sixteen of Louisiana’s
sixty-four parishes allow you to access your documents online.


GEORGIA COURT CASE SEARCH — FIND YOUR LAWSUIT

Have you received a lawsuit letter from a debt collection agency in Georgia?
Knowing how to view your court records and check on the case status will
increase your chances of beating a debt collector in court. It will also help
you understand more about the claims being made against you and whether or not
they are actually accurate.


WASHINGTON COURT CASE SEARCH — FIND YOUR LAWSUIT

Finding your lawsuit in Washington is easy, thanks to the provisions made by the
government to allow its citizens to access their records either online or by
visiting the courthouse where the creditors filed the case. Viewing your records
and staying up-to-date on your case can help you prepare the strongest responses
possible and receive a favorable judgment.


TEXAS COURT CASE SEARCH — FIND YOUR LAWSUIT

Debt collectors always hope that consumers will not follow up on their cases or
fail to show up in court so that they get a favorable judgment. Today, we will
help you burst their bubble by assisting you in preparing for court. We will
explain how Texas’s judicial system works and how you can access your court
records.


KANSAS COURT CASE SEARCH — FIND YOUR LAWSUIT

A debt collection lawsuit can destabilize your life financially and
psychologically—the uncertainty of whether you'll win your case or not can make
you feel helpless. Accessing your case records can help ease the tension because
you can plan accordingly and ensure the debt collection agency has filed
accurate information, all while staying updated on the status of your case.


ILLINOIS COURT CASE SEARCH — FIND YOUR LAWSUIT

Finding your case records in Illinois is relatively easy, thanks to the
meticulous methods the state applies to ensure the documents are accessible to
its citizens. Citizens can access their case information online via the Illinois
portal search tool called re: SearchIL. Some counties, found in the list below,
have individual portals to access court case records. You can also visit the
courthouse where the case was filed.


PENNSYLVANIA COURT CASE SEARCH — FIND YOUR LAWSUIT

The thought of your creditors gaining access to your bank account or the court
allowing them to garnish your wages can be terrifying. You never thought you'd
get to this point when you took out a loan or signed up for a credit card. Many
consumers find themselves plunged into debt due to unplanned emergencies, sudden
loss of a job, or overspending.


MASSACHUSETTS COURT CASE SEARCH — FIND YOUR LAWSUIT

Do you have a pending debt collection case in Massachusetts and find yourselfare
wondering how to keep track of it? Massachusetts gives you access to court
records online or by visiting the courthouse where the debt collection agency
filed the lawsuit. Accessing your case records will help you ensure the
following:


NORTH CAROLINA COURT CASE SEARCH — FIND YOUR LAWSUIT

Do you have a debt collection lawsuit in North Carolina? If so, you have a
winning chance because North Carolina allows access to case records at each
courthouse. The documents can help you prepare for court, and you could use any
information the debt collectors misrepresented in your favor.


LITIGATION FINANCE: IS IT A GOOD INVESTMENT?

Litigation is costly. The process of being summoned to court for judgment alone
can be expensive. More often than not, the defendant is forced to take a
settlement just because they don’t have optimal representation.


NEW YORK CASE SEARCH—FIND YOUR LAWSUIT

Being sued by a debt collector in New York can set you back financially. It also
robs you of precious time as you think and plan how to handle the lawsuit. For
instance, you must respond to the lawsuit, pay applicablea filing fees, and
spend time preparing for court because hiring a lawyer could do more harm to
your financial situation. New York has made it easy for you to follow up on your
debt collection case by allowing access to court records remotely or visiting
the courthouse where the creditors filed the suit.


NEW JERSEY COURT CASE SEARCH—FIND YOUR LAWSUIT

Do you feel your life has come to a standstill because of the debt collection
lawsuit you received? You are not alone. Consumers who’ve been sued for debt
often despair and wonder what to do to avoid plunging deeper into financial
trouble. The New Jersey judicial system helps you feel empowered about your
case. The state allows you to access your court records in person at the
courthouse where the case is filed.


NEVADA COURT CASE SEARCH — FIND YOUR LAWSUIT

Preparing for court can be stressful, especially if it is a debt collection
lawsuit where you may be required to represent yourself. Doing your research
well and having your court records can ease the tension. Fortunately, Nevada
allows you to access your court documents via their online case access portal or
by visiting the courthouse where the case was filed.


WHAT HAPPENS IF YOU DON’T PAY SPEEDY CASH?

Speedy Cash is a lending and check-cashing company that offers payday and title
loans to individuals who need short-term financing. Anyone can apply for a loan
with Speedy Cash, as long as the company is authorized to do business in their
state. You don’t need good credit to obtain a Speedy Cash loan, but you do need
a regular job or collateral, such as a car.


SHOULD YOU INVEST IN STOCKS WHILE IN DEBT?

Buying stocks is essential to your financial growth. While you might not see the
results of your investments initially, you will realize that you made the right
choice as time goes on. However, is it wise to invest in stocks first or clear
any pending debt you have?


OKLAHOMA COURT CASE SEARCH — FIND YOUR LAWSUIT

When you get sued for a debt in Oklahoma, following up on your case helps you
keep track of its progress and notice any changes. It also increases your
chances of winning the case. Court records enable you to have information such
as the court date, the judges involved, the courtroom number, and the documents
the creditors have filed.


RHODE ISLAND COURT CASE SEARCH — FIND YOUR LAWSUIT

Being sued for debt can throw you off balance and cause you to lose the gains
you’ve made financially or plunge you deeper into debt. That is why you need to
follow up on your case and avoid missing a court date or going to court
unprepared. Viewing your court records can help you prepare a weighty defense
and may prevent the court from allowing the collection agency to access your
bank account or garnish your wages.


SOUTH DAKOTA COURT CASE SEARCH — FIND YOUR LAWSUIT

Debt collectors know how to make a consumer's life, like yours, complicated. If
they fail to cause misery with the constant calls or emails, they resort to
filing a debt collection lawsuit. If you have received a suit from a collection
agency, do not despair, you can fight it in court. But first, you need to file
an Answer, then follow up on your case records to help you prepare for court.


HOW TO BEAT ARSTRAT

Debt collectors are just the worst. If you are in debt, you know how stressful
it can be to have debt collectors constantly breathing down your neck.


HOW TO BEAT APELLES LLC

Apelles LLC is one of the 7,060 collection agencies in the United States. After
a charge-off, the debt collection agency buys your unpaid debt from your
original creditor for pennies on the dollar, allowing them to collect the debt
like the original creditor.


HOW DOES FINWISE BANK WORK?

FinWise Bank is a small community bank located in Sandy, Utah, that offers
traditional banking services, like checking and savings accounts. It also
provides home loans and business borrowing opportunities, like equipment leasing
and Small Business Administration (SBA) loans.


HOW TO SUBMIT AN EXPERIAN DISPUTE

Your credit report is essential for financial institutions seeking to determine
whether you qualify for a loan or not. Negative marks on your credit report can
prevent you from borrowing money, qualifying for a cell phone plan, or getting a
job. They can also hamper your efforts to obtain a mortgage or rent an
apartment.


HOW TO BEAT INNOVATIVE RECOVERY

When Innovative Recovery contacts you, it's an attempt to collect a debt you
might owe to another party. Innovative Recovery is a third-party debt collector
for several creditors, but its main focus is helping property managers to
collect late rent, fees, or penalties.


HOW TO SUBMIT AN EQUIFAX DISPUTE

Dealing with creditors and credit reporting bureaus is frustrating. While you
need good credit to obtain loans, buy a home, or get a job, staying on top of
your credit score doesn’t rank too high on most people’s list of fun times.


HOW DOES PAYMENTS.TSICO WORK?

If you have old credit card debt or another financial obligation, you may have
received a collection notice from Transworld Systems, Inc., or TSI. TSI is a
debt collection agency that purchases old debts from creditors and attempts to
collect them from consumers.


WHAT IS AN AFFIRMATIVE DEFENSE?

You're likely wondering what to do if you receive notice of a lawsuit for an old
debt. Receiving a warning of a pending case against you is scary. After all, no
one wants to be on the wrong side of the law.


IOWA COURT CASE SEARCH — FIND YOUR LAWSUIT

Are you wondering if you can view your debt collection case records in Iowa?
Well, the good news is that Iowa allows you to access your court records by
visiting the courthouse where the creditors filed the case or online via the
Iowa Court Online Search tool.


MONTANA COURT CASE SEARCH — FIND YOUR LAWSUIT

Fighting a debt collector in court is stressful and can feel unpredictable. The
thought of a court ruling in favor of the collection agency can cause anxiety
and panic if you do not know how to handle the pending case.


HARD AND SOFT CREDIT CHECKS: WHEN DO THEY HAPPEN?

Most people have likely heard the term ‘credit check’. It’s a tool used to
assess how financially responsible an individual is, determining their
creditworthiness. But do you know the difference between a hard and soft credit
check, and in what situations each one is likely to occur?


VERMONT STATUTE OF LIMITATIONS ON DEBT

Every state enforces different laws when it comes to strict time limits for
filing a civil lawsuit. This time period is called the statute of limitations.
Typically, the statute of limitations exists to protect consumers from being
sued for old debts. It also removes the indefinite threat of a lawsuit which can
eventually be used as blackmail in some cases.


HOW TO BEAT LJ ROSS ASSOCIATES

Do you have an unpaid debt and recently received a call or email from LJ Ross
Associates? You may be wondering how far they can go in attempting to collect
the debt. LJ Ross Associates is a legitimate collection agency that has been in
business for over 29 years. They have experience aggressively pursuing consumers
to pay their debt, and they may continue contacting you until you pay.


MISSISSIPPI COURT CASE SEARCH — FIND YOUR LAWSUIT

When a creditor or debt collection agency files a lawsuit against you in
Mississippi, the suit is entered into the court system, and the case record
becomes public. The Mississippi state laws require all court records to be made
available online and in local court offices for anyone to access, including case
dockets (records of court proceedings).


WYOMING COURT CASE SEARCH — FIND YOUR LAWSUIT

It can be frustrating if a lawsuit is filed against you and you do not have all
the details to prepare your defense. Residents of Wyoming do not have to wonder
about their case details because the Wyoming Public Records Act gives the
general public access to court records.


WISCONSIN COURT CASE SEARCH — FIND YOUR LAWSUIT

Citizens have the right to see and acquire copies of court records if they
follow the Wisconsin open records law. You can access the information online if
you are concerned that a debt collection lawsuit may have been filed against
you.


WEST VIRGINIA COURT CASE SEARCH — FIND YOUR LAWSUIT

At the moment, West Virginia courts do not have a free tool where you can search
the status of your court case online. If you've been sued for a debt, it's
crucial to keep tabs on your case. Frequently, collectors don't properly serve
defendants with the case documents. So, being proactive and finding your case in
the court records is helpful for reviewing the progress of the case.


VERMONT COURT CASE SEARCH — FIND YOUR LAWSUIT

Vermont courts provide an online portal for finding your court case. If you've
been sued for a debt, it's crucial to keep tabs on your case. Frequently,
collectors don't properly serve defendants with the case documents. So, finding
your case online is helpful for reviewing the progress of your case.


UTAH COURT CASE SEARCH — FIND YOUR LAWSUIT

At the moment, Utah courts do not have a free tool where you can search the
status of your court case online. However, there are some paid options for
searching for your Utah court case online.


SOUTH CAROLINA COURT CASE SEARCH — FIND YOUR LAWSUIT

South Carolina courts provide an online portal for finding your court case. If
you've been sued for a debt, it's crucial to keep tabs on your case. Frequently,
collectors don't properly serve defendants with the case documents. So, finding
your case online is helpful for reviewing the progress of your case.


OREGON COURT CASE SEARCH — FIND YOUR LAWSUIT

Have you received a lawsuit from a creditor and are wondering how to access your
case records? Or have you sent an Answer and want to follow up on it? The
process is straightforward because The Oregon Public Record Law allows the
‌public to view and make copies of court records.


OHIO COURT CASE SEARCH — FIND YOUR LAWSUIT

The Ohio General Assembly enacted a law in 1963 that made court records
available for inspection by the general public. The Open Record Law authorizes
Ohio residents to read and copy most court documents filed in the state courts.


HOW TO RESPOND TO PLAINTIFF'S COUNSEL

If you have received a Summons or Complaint in the mail, then you may be a bit
worried. There is a lot that goes on in a lawsuit. If you do not respond, then
you may have a default judgment ordered against you. This is why it is essential
to know how to respond to a plaintiff's counsel.


HAWAII COURT CASE SEARCH — FIND YOUR LAWSUIT

It's important to stay on top of any lawsuit against you. You need to ensure
that the plaintiff's complaints are valid, respond within the required time
frame, and prepare your defense. On the other hand, if you file a case (a
bankruptcy case, for example), you should also keep up with any developments.


FLORIDA COURT CASE SEARCH — FIND YOUR LAWSUIT

Receiving a debt collection lawsuit can throw you off balance if you are facing
financial challenges. Even after responding to the lawsuit, you need to keep
track of your court case to avoid missing a court hearing or other vital
documents. Florida allows you to look up your case status remotely on your
county's online portal or visit the courthouse and access your records via an
official written request or the public terminal.


CALIFORNIA COURT CASE SEARCH- FIND YOUR LAWSUIT

If you have been sued by a debt collector in California, it is important to stay
on top of recent court filings to ensure you did not miss a Complaint, other
court documents, or scheduled hearings in the case. Currently, California does
not have a statewide tool where you can search for your court case online.
However, most counties have online portals where you can look up your case
status without leaving home.


ALABAMA COURT CASE SEARCH—FIND YOUR LAWSUIT

Are you wondering if a debt collector has sued you? Did you receive a Summons?
Or are you trying to track a previous court case? Fortunately, in Alabama, court
records are generally considered public records (unless stated otherwise).


HOW IMPORTANT IS IT TO PROTECT YOUR ASSETS FROM UNEXPECTED EVENTS?

Your health, life, home, and car are all considered assets. Good health allows
you to work, provide an income for your family and live a high-quality life;
your car gets you and your family from A to B, and your home keeps you safe and
provides shelter. While you may be unable to put a price on your health and
life, it costs money to protect them, along with your home and vehicle.


WHEN IS MY RENT DUE LEGALLY?

Knowing when your rent is due legally can save you a lot of trouble with your
landlord and also help you plan your finances even better. Most people believe
that rent is due on the first day of the month, but that's not necessarily true.
This article discusses everything you need to know about the legal due date for
rent payments in most states across the country, what to do if you're late with
your payment, your rights as a tenant, and more.


NORTH DAKOTA COURT CASE SEARCH — FIND YOUR LAWSUIT

The North Dakota Constitution under Section 6, Article XI stipulates that the
public has a right to access court case records. This clause mandated North
Dakota government agencies and judicial departments to open most files for
public inspection, including the case dockets (records detailing court
proceedings).


NEW MEXICO COURT CASE SEARCH - FIND YOUR LAWSUIT

It's not difficult to find a court case in New Mexico, especially if it is
considered a public record. The New Mexico Inspection of Public Records Act
(1978) guarantees you access to court cases. Exempt cases are few, typically
juvenile records and those marked as private.


NEBRASKA COURT CASE SEARCH — FIND YOUR LAWSUIT

Since 1867, Nebraska has kept public records, covering all 93 counties.
Digitization of public records has become the industry standard over the last 30
years, allowing more government and third-party websites to make these records
available online with greater reliability and transparency.


MISSOURI COURT CASE SEARCH — FIND YOUR LAWSUIT

Finding your lawsuit in Missouri has been made easy with the Missouri Public
Records Law in place. This law protects the public's right to access and copy
court records. Details of various judicial activities, such as debt collection
cases, arrest warrants, court pleas, records, and sentencing, are available to
promote a transparent system.


MICHIGAN COURT CASE SEARCH — FIND YOUR LAWSUIT

Are you concerned you could be the subject of a lawsuit you are unaware of? If
so, You may get information on your court case online if you live in Michigan.


MARYLAND COURT CASE SEARCH — FIND YOUR LAWSUIT

A collection agency may take over your debt collection, and the letters or calls
can sometimes be harassing. You can write them a letter and ask them to stop
contacting you, but the letter does not prevent them from suing you in Maryland.


MAINE COURT CASE SEARCH — FIND YOUR LAWSUIT

Under the Maine Freedom of Access Act (FOAA), court records are public
information and can be inspected and copied by anyone. The first step is to
identify the court where the case was filed.


KENTUCKY COURT CASE SEARCH — FIND YOUR LAWSUIT

Under both the constitution and common law, Kentucky provides its 4.5 million
residents with the right to access court records. This southeastern state has a
long history of providing open access to its court sessions and documents.


INDIANA COURT CASE SEARCH — FIND YOUR LAWSUIT

Generally, you may request court records and documents from the clerk's office
in the county where the case was heard. You may request a transcript for a
specific hearing or trial from the court reporter. Contact the court or clerk's
office to request these documents.


IDAHO COURT CASE SEARCH – FIND YOUR LAWSUIT

Are you concerned that you may have a lawsuit against you that you don't know
about, or are you representing yourself and looking for additional information
about the case? If you live in Idaho, you can usually find your court case
online.


CONNECTICUT CASE LOOKUP — FIND YOUR COURT CASE

Thanks to the Freedom of Information Act, you can access court records in
Connecticut. Not only can you find your court case, but you can also access any
other cases that the state considers public records.


ARIZONA COURT CASE SEARCH - FIND YOUR LAWSUIT

The Arizona Public Record Law is a collection of laws enacted in 1901 to ensure
that public records are accessible and distributed throughout the state.
Criminal and Civil Court documents are viewable online in all states. US
citizens can access this information under the Freedom of Information Act.


GOOD FAITH EXCEPTION – DEFINITION

Did you know that the Fair Debt Collection Practices Act protects you from
certain tactics debt collection agencies use to recover their debt? Being in
debt doesn't give a debt collector the right to harass you while trying to
recover the amount, unless they are acting in “good faith.”


TIPS TO MAINTAIN A HEALTHY FINANCIAL SITUATION

It can be difficult to maintain a healthy financial situation. Whether you're
trying to save for a rainy day or working towards a long-term goal, there are
always temptations and roadblocks that can get in the way.


5 LEGAL AND DEADLY LESSONS FROM BICYCLE ACCIDENTS

People learn different lessons in many life situations, and accidents are one of
those circumstances. If you underwent a bicycle accident and were lucky to
survive, you definitely learned something new. Never assume that since you're
keen to observe all the road rules, you won't experience an accident. Keep in
mind that you always share roads with many other drivers, and some of these road
users might be too careless.


BANK ACCOUNT GARNISHMENT AND LIENS IN TEXAS

When you are in debt, being the subject of a judgment can be quite stressful. A
judgment is an order issued by a judge that holds you liable for a certain
amount. Judgments can also involve real property, such as vehicles, jewelry, or
your home.


WHAT YOU NEED TO KNOW ABOUT CHEXSYSTEMS

If you recently applied for a loan or sought to open a new checking account and
were denied, you could very well have an issue related to a report generated by
a company known as ChexSystems. ChexSystems is a consumer credit reporting
agency that is responsible for tracking activity related to closed checking,
savings, and other deposit accounts at various banks and credit unions. For
example, if you ever bounced a check or a check was returned to you, it is
likely you have a ChexSystems profile. While your ChexSystems history does not
directly impact your FICO credit score, it can have a negative impact on your
ability to open new financial accounts.


WHAT IS A PRELIMINARY HEARING?

When a person or entity files a debt collection lawsuit against you, you have up
to 35 days to respond to the lawsuit, depending on which state you live in. The
deadline clock usually starts on the date you received the Summons and
Complaint. If you dispute the debt, you'll be required to submit a written
Answer document stating your response to each claim and affirmative defenses.


WHAT DOES "DLA" MEAN ON A CREDIT REPORT?

The date of the last activity, also known as DLA, is often discussed in the
field of credit repair in ways that are inaccurate or misleading. As a result,
many consumers do not understand the fundamental importance of DLA in terms of
their credit reports and credit ratings. Here's everything you need to know
about DLA on your credit report.


TIME IS OF THE ESSENCE – DEFINITION

The term 'time is of the essence' is often used in different contexts.
Regardless of the setting, this phrase basically means that something must be
done within a specified deadline. For example, in business law, this expression
means that one party must complete a particular task within a specified
deadline. Failure to meet this requirement could lead to penalties and other
consequences.


THE EVICTION MORATORIUM IN INDIANA EXPLAINED

In August 2021, the Centers for Disease Control and Prevention issued a new
order temporarily halting evictions in certain areas of the country. This was to
last until October 3 and focused on areas of the country where COVID-19 was
continuing to spread. If you are a renter or a landlord in Indiana, it is
important to understand what this means for you, and what happens after the
moratorium is over.


THE EVICTION MORATORIUM BY STATE

During the COVID-19 pandemic, the Centers for Disease Control and Prevention
(CDC) put a federal eviction moratorium into place. In August 2021, the Supreme
Court voted to end the temporary stay. In doing so, the Supreme Court's ruling
invalidated the federal eviction moratorium, which stopped eviction protections
that were keeping millions of people housed during the pandemic.


THE 7 SIGNS YOU NEED DEBT HELP

It's no big deal. At least, that's what you've been telling yourself as the
monthly bills roll in. But soon, you find yourself lying awake wondering about
your financial future. If it's any consolation, you're not alone. CNBC reports
that the average U.S. household is $155,622 in debt, which includes mortgages,
student loans, and credit card debt.


TAX DEBT COMPROMISE PROGRAM SCAM

Last year, 59.49 million Americans (23%) lost money to phone scams. According to
Truecaller, the average reported loss in the previous 12 months was $502, up
from $351 in 2020. What's staggering is that robo-callers deceived 60 percent of
the victims called.


SHOULD I USE CREDIT JOURNEY?

Chase Credit Journey may be an excellent option if you want to get an overview
of your credit health. Chase Credit Journey is a free credit monitoring and
credit score service offered to Chase customers and non-customers alike.


RESTITUTION – DEFINITION

Restitution is a court-ordered payment one party makes to another to compensate
them for damages caused by the crime. All US states have laws requiring
convicted defendants to pay restitution to their victims. Here's all you need to
know about this form of payment and how it works.


PROBABLE CAUSE HEARING — DEFINITION

One element of the pre-trial stage of a criminal case is a probable cause
preliminary hearing. This is referred to as either a “preliminary hearing” or a
“probable cause hearing.” The hearing has the purpose of determining whether or
not there is probable cause that a crime was committed and that the defendant
was the cause of it. It is often used for the protection of criminal defendants,
to ensure that there is enough evidence to push the criminal case to go to
trial.


NOLLE PROSEQUI – DEFINITION

If you are embroiled in a legal dispute, such as a debt collection lawsuit or
having charges brought against you by the state, you may hear the term, “Nolle
Prosequi” and ask yourself, “what the heck does that mean?” Here is the answer -
Nolle Prosequi is a phrase with Latin origins that basically means, "will no
longer prosecute." It is tantamount to a prosecutor deciding to dismiss charges
that were filed against you.


MY BANK ACCOUNT IS NEGATIVE $1,000 — FIX IT

We've all been in that situation. You go over budget on a few items one month,
and your checking account is overdrawn. Before you realize it, you are in the
negative zone. A negative account has profound implications; your account may be
temporarily suspended or closed, and ChexSystem may record a closure on your
record, making it harder for you to open new bank accounts in the future.


MITIGATING CIRCUMSTANCES — DEFINITION

Mitigating circumstances are factors that influence a court's decision but do
not justify or excuse the offense committed by the defendant. This legal concept
applies in different circumstances, from serious criminal convictions to
lawsuits. Here's an overview of how the idea of mitigating circumstances applies
in different scenarios.


MEDICAL MALPRACTICE — DEFINITION

Medical malpractice is an illegal and punishable act that occurs when a
hospital, doctor or other health care professional is negligent. Because of this
negligence or omission, the result is injury or death to a patient. In many
cases, negligence is the result of an error, typically in the diagnosis,
treatment, or aftercare of a health condition.


LIQUIDATE–WHAT DOES IT MEAN?

Liquidation refers to selling property or assets on the open market to convert
them into cash or cash equivalents. Similarly, liquidation means ending a
company's operations and distributing its assets to creditors.


IS THE NTB CREDIT CARD SAFE?

Consumers question NTB credit card's safety because of its ease of application,
great discounts, and attractive deals. For example, NTB Credit cards have
excellent offers such as 0% (Annual Percentage Rate) APR for the first year and
no annual fees. These features make consumers doubt its legitimacy and wonder if
they will be scammed.


IS SEVERANCE PAY TAXABLE?

If you lose your job, your employer may pay you a lump sum known as severance
pay. This pay may also include other benefits, although it differs from one
employer to another. Former employees use severance pay to cater to their
financial obligations while out of employment. However, this money comes with
some tax obligations they must fulfill. Here's all you need to know about
severance pay and its taxes, how to minimize those taxes, and other frequently
asked questions about severance pay.


IMPLIED CONTRACT – DEFINITION

In debt collection lingo, an implied contract is a term used to describe the
existence of a relationship between a creditor and a debtor. Debt collection
laws vary from state to state. For example, in some states, creditors do not
need to prove the existence of an express contract between them and debtors.
Instead, implied contracts may be all that's required to prove the existence of
the relationship.


HOW TO USE A BONUS TO SOLVE YOUR FINANCIAL PROBLEMS

Have you ever spent your whole bonus within hours or days and wondered if you
could have done something better with the money? It is tempting to use a bonus
on items you would usually not buy. But using it to deal with your financial
problems has long-term benefits.


HOW TO SPOT COMMON IRS SCAMS

Criminals will say anything to get your money. They might pretend to be from the
IRS or another government agency, calling or emailing you about owed taxes. They
might threaten you with arrest or loss of your driver's license if you don't pay
them immediately. Consequently, millions of dollars are lost every year to these
scams, and many people are victims. Here are some of the most prevalent IRS
scams and tips on how to spot them.


HOW TO RECOVER FROM A NEGATIVE BANK BALANCE

It's not unusual to have a negative bank balance. Usually, this happens by
accident—your bank account may have been drafted for an item you weren't
expecting, or an automatic deposit that is normally put into your account didn't
go through. In most cases, if a bank account drifts into negative territory,
it's for a small amount of money.


HOW TO RAISE MY CREDIT SCORE 40 POINTS FAST

With a high credit score, you'll be eligible for the most favorable rates and
terms when applying for a mortgage or other bank loan. But what if your credit
isn't that great? Your credit score matters when applying for a loan, when
applying for an apartment, and in some cases, when applying for a job. If you're
concerned about less-than-stellar credit, we're here to help you out with some
quick ways to raise your credit score by 40 points.


HOW TO PERFORM VOLUNTARY REPOSSESSION

If you encounter financial hardship and suddenly fall behind on the payments
being made towards your auto loan, there is a risk the bank will exercise its
right to take possession of the vehicle. This is what is known as a
“repossession.” Most financial institutions offering auto loans include language
in the terms of the loan agreement that enable them to repossess your vehicle
without even having to go to court.


HOW TO NEGOTIATE A LIEN ON A HOUSE

Liens aren't fun at all. It is not fun to talk about them, and it certainly is
not fun to deal with them. But sometimes, negotiating a lien is the key to
closing a deal. The best place to start is by speaking with the lienholder or
their representative. You can take the opportunity to explain your financial
situation and seek a resolution that works for both of you.


HOW TO LIQUIDATE CREDIT CARDS INTO CASH

Buying with credit cards is great, but sometimes you need cash. If you find
yourself in a tight spot financially, you may have wondered if your credit cards
can help. And they can. Ideally, you should use credit cards for purchases
instead of withdrawing cash, as with debit cards. However, cash advances on
credit cards have become all too common in recent years. How do cash advances
work? Are they for you? And are there other ways to liquidate credit cards into
cash? Let's find out.


HOW TO GET DEBT RELIEF (ULTIMATE 50 STATE GUIDE 2022)

Do you find that you are not making progress in managing your debt? Are you on
the brink of giving up and wondering what to do? You are not alone. Thousands of
Americans are overwhelmed by debt. They often find themselves with a lawsuit
that results in wage garnishments and creditors gaining access to their bank
accounts.


HOW TO FIND MEDICAL DEBT FORGIVENESS PROGRAMS

Medical debt is a prevalent problem in the United States. Unlike many other
countries that offer free, subsidized healthcare to citizens and residents, the
United States relies on a system of mainly private health insurers. These
companies have a slew of requirements that must be met when patients seek out
healthcare.


HOW TO FILE IN DESCHUTES COUNTY CIRCUIT COURT

In the state of Oregon, circuit courts are trial courts that handle all types of
cases (this means the court has general jurisdiction). In other words, Deschutes
County Circuit Court, and other circuit courts throughout the state of Oregon,
deal with criminal, civil, domestic relations, traffic, juvenile, small claims,
violations, abuse prevention act, probate, mental commitments, adoption, and
guardianship cases. So, if you are being sued in Deschutes County, chances are
your case will be filed with the Circuit Court there.


HOW TO DISPUTE A FALSE POSITIVE DRUG TEST

There are many reasons why you might be asked to take a drug test. It may be for
employment at a private or governmental organization, but it could also be for
participating and competing in sports. Another reason you might be asked to take
a drug test is for court proceedings to prove you are no longer using drugs.


HOW TO BEAT WILLIAMS AND FUDGE

No one likes receiving a notice from a debt collector like Williams and Fudge
saying that you owe money. What's worse is receiving the notice and not even
knowing what the debt is for! Once you receive a letter, you can anticipate
further ones, along with calls and other communications, until a settlement is
reached or you are able to prove that you don't owe the money.


HOW TO BEAT WAKEFIELD AND ASSOCIATES

Getting harassed by a debt collector affiliated with Wakefield and Associates is
oftentimes stressful and anxiety-inducing. Why? Because it is quite common for
Wakefield and Associates, along with other debt collection agencies, will
routinely utilize inappropriate and unethical tactics to try and compel you to
pay what is allegedly owed. For example, debt collectors with Wakefield and
Associates are likely to call you constantly on the phone from several numbers.
They may also try to intimidate you on social media, send nasty letters, and
other questionable methods.


HOW TO BEAT VIKING CLIENT SERVICES

Viking Client Services is a debt collection agency based in Eden Prairie,
Minnesota. Founded in 1969, it handles consumer debt all over the United States.
There have been numerous complaints by consumers against Viking Client Services.
These claims involve violations of the Fair Debt Collection Practices Act
(FDCPA).


HOW TO BEAT UNIVERSAL CREDIT SERVICES

If you are being harassed by a debt collector affiliated with Universal Credit
Services, you probably are going through a stressful time. Why is this the case?
Because Universal Credit Services and other debt collection agencies may use
inappropriate techniques to get you to pay what you supposedly owe to a
creditor. That's why Universal Credit Services may call you all day long to try
to get you to pay. They may harass you at work and attempt to connect with you
on Instagram and Facebook to get money out of you.


HOW TO BEAT UNIFIN

Debt collection notices are probably the worst piece of mail that you can
receive in your mailbox. They can be stress inducing and worrisome. Following
the written notice, you'll probably begin receiving phone calls from the debt
collectors in an attempt to collect money. If you're juggling a lot, such as
work, family, or other responsibilities, responding to a debt collector can be
the last thing you want to deal with.


HOW TO BEAT UHG 1, LLC

If you have received multiple phone calls, emails, letters in the mail, and even
messages on Facebook from debt collectors with UHG I, LLC, you're probably
feeling stressed, frustrated, and even angry. This is because UHG 1, LLC
encourages debt collectors to be aggressive and basically harass people to try
and persuade them to pay a debt they allegedly owe.


HOW TO BEAT TRUEACCORD

Debt collection isn't the most exciting segment in the financial services
industry. The entire experience is awful for everyone involved—lenders and
borrowers alike. Debt, however, remains a constant in the lives of ‌many
Americans. According to CNBC, in 2021, consumers' revolving credit levels
reached $15.6 trillion, the highest level in history.


HOW TO BEAT STENGER AND STENGER

If you are being harassed by a debt collector affiliated with Stenger and
Stenger, you may be feeling stressed, frustrated and unsure about the future.
This is totally understandable since Stenger and Stenger, like many other debt
collectors, use aggressive and unethical practices to try and coerce you into
paying what they claim you owe. That's why Stenger and Stenger might call you
all day long, at night, and try to get in touch with you on email and social
media to intimidate you into paying an alleged debt.


HOW TO BEAT STATE COLLECTION SERVICE

Getting harassing phone calls and letters from a debt collector such as State
Collection Service? It is perfectly understandable to feel upset and stressed
out. State Collection Service, like other major debt collection organizations,
will use inappropriate and unethical methods to try to get you to pay what you
supposedly owe. State Collection Service may call you all day long, try to
connect with you on social media, and send you nasty letters.


HOW TO BEAT SIMM ASSOCIATES

If your phone's been ringing off the hook with debt collection calls, know that
you're not alone. According to the Consumer Financial Protection Board (CFPB),
roughly one out of four Americans receives a debt collection call at some point
in their lives. That includes debt collection companies like SIMM Associates, a
collections agency based out of Newark, Delaware. If you've been contacted by
SIMM Associates, you need a game plan. Here's how to beat SIMM Associates if
they call or take you to court.


HOW TO BEAT SEQUIUM ASSET SOLUTIONS

Endless phone calls from Sequium Asset Solutions, LLC can be stressful,
frustrating, and exhausting. Luckily, you don't have to put up with Sequium's
aggressive debt collection tactics. Here's everything you need to know about
Sequium, your consumer rights, and how to beat the company in court.


HOW TO BEAT SCA COLLECTIONS

Getting a debt collection letter from SCA Collections in the mail is nobody's
idea of a great start to the day. And finding out that you might owe money to
someone you've likely never heard of can be a real head-scratcher.


HOW TO BEAT RMP SERVICES

Is RMP Services giving you sleepless nights? Have they called or emailed you
several times and ignored your request to stop contacting you? That is because
RMP Services is a collection agency permitted by law to pursue a legitimate
debt. However, the Fair Debt Collection Practices Act (FDCPA) prohibits them
from harassing or threatening you.


HOW TO BEAT RMP LLC IN COURT

If RMP LLC has contacted you about an unpaid debt or you have been served with a
debt collection lawsuit by this agency, do not throw your hands up in despair.
You have legal rights and protections when being contacted by a debt collector
or when being sued for an alleged unpaid debt in court.


HOW TO BEAT REVCO SOLUTIONS

Getting harassed by debt collectors such as Revco Solutionsis annoying,
stressful, and upsetting. Why? Because debt collectors often use unethical and
even illegal methods to try to persuade you to pay what they think you owe.
That's why Revco Solutions may call you all day and even into the night. They
may try to contact you on your Facebook and send you threatening letters in the
mail.


HOW TO BEAT RENTGROW

You have been looking for an apartment, and you found the one you think might
work. During the process, you learn that there is an opening in an apartment
complex near work, so you jump on the opportunity. A couple of months later, you
check your credit report and see an inquiry from RentGrow. You immediately
suspect a problem since you have never had any dealings with a company by that
name.


HOW TO BEAT RADIUS GLOBAL SOLUTIONS

Facing a fierce debt collection agency in court, like Radius Global Solutions,
can be intimidating. With almost 40 years of experience in collections, this
agency understands the ins and outs of collection laws and may seem to have the
upper hand against you in a debt collection lawsuit.


HOW TO BEAT PROGRESSIVE MANAGEMENT SYSTEMS

If you are being subjected to harassment by a debt collector with Progressive
Management Systems, it is perfectly understandable if you are feeling anxious,
angry, and even scared. Why? Because it is quite common for debt collectors with
Progressive Management Systems to use inappropriate and unethical tactics to try
to get you to pay the amount allegedly owed.


HOW TO BEAT PROFESSIONAL FINANCE COMPANY

Professional Finance Company is a debt collector that works with a variety of
original creditors, such as healthcare providers, government agencies, consumer
retail lenders, and financial services organizations.


HOW TO BEAT PRESSLER, FELT & WARSHAW LLP

Pressler, Felt & Warshaw LLP, formerly known as Pressler & Pressler, is a debt
collection law firm that represents debt buyers and other debt collection
companies. For example, they often represent companies like J.P. Morgan Chase
Bank, N.A. and Midland Funding, LLC.


HOW TO BEAT PENN CREDIT

Penn Credit may contact you, claiming you owe a debt. It can be tempting to
avoid responding to a debt collector, but the harassment is likely to continue.
If Penn Credit engages in unscrupulous debt collection practices, federal and
state laws protect your rights. The Fair Debt Collection Practices Act (FDCPA)
outlines what debt collectors can and cannot do in an attempt to collect a debt.


HOW TO BEAT NPAS

Consumer debt is associated with overspending on credit cards or living above
your means. But the Kaiser Family Foundation found that about 23 million
Americans owe at least $250 in medical debt. If the name NPAS Solutions shows up
on your credit report, it probably means that one of the healthcare centers NPAS
Solutions works with believes you owe a medical bill.


HOW TO BEAT NATIONWIDE RECOVERY SERVICES

Expect Nationwide Recovery Services to contact you if you have an outstanding
medical bill. They are a debt collection agency that works with healthcare and
medical companies to recover unpaid accounts. They help individual practitioners
and hospitals collect the debt from consumers who have fallen back on payments.


HOW TO BEAT NATIONAL CREDIT ADJUSTERS

Do you recall receiving a call from someone telling you they were serving you
with documents? Or, perhaps they stated that you have a $1700 debt and that they
will settle for $300. So, you decide to contact your original creditor, and in
shock, you discover the original debt was $133. Well, your debt was sold off.
When you dig deeper into the first number, you learn it was National Credit
Adjusters.


HOW TO BEAT MRS BPO

If there are people that should just disappear, it is debt collectors. They know
how to frustrate you with their endless calls and emails. They rarely stop, even
if you request them to give you a break. MRS BPO debt collectors often fit this
description. They aggressively pursue their money and will only stop once you
clear the debt.


HOW TO BEAT MONTEREY FINANCIAL

If you're on the receiving end of a debt collection letter from Monterey
Financial, it can put a significant damper on your day. You could be going about
your regular business only to open a letter that says you owe money for a
long-ago debt you're not aware of. If the amount is extravagant, you may wonder
how you can afford to pay it. You may even wonder if you owe it, or if the
letter was a mistake.


HOW TO BEAT MCCARTHY, BURGESS & WOLFF

McCarthy Burgess & Wolff is a legitimate debt collection agency that
aggressively contacts consumers to pay their debt. They collect debt on behalf
of companies that offer services such as credit cards, utilities, medical care,
auto loans, or student loans. If you have unpaid debt in these areas, McCarthy
Burgess & Wolff may be on your case until you pay.


HOW TO BEAT HUNTER WARFIELD IN COURT

Hunter Warfield Inc is a debt collection company. Debt collectors are usually
employed by an original creditor to collect on an overdue debt. However,
sometimes debt collectors are also debt buyers, who have purchased your debt
from an original creditor that you borrowed from.


HOW TO BEAT HRRG

Whenever you are ill, you are more concerned about recovering than paying the
bills. But eventually, you receive multiple calls from third-party debt
collectors asking you to pay past-due medical bills.


HOW TO BEAT HARRIS AND HARRIS

Americans' distaste for debt collection is one thing they all agree on. You know
how frustrating and relentless debt collectors can be if you have dealt with
them. Expect a constant flow of calls all day and more letters in your mailbox
when your past due debts go to a collection account.


HOW TO BEAT HALSTED FINANCIAL SERVICES

You become curious and answer when you receive a call during odd hours or
repetitive calls from the same number. The caller identifies themselves as an
agent for Halsted Financial Services and claims to be collecting a debt of
$5,000.


HOW TO BEAT GMAC FINANCING

Purchasing and ultimately owning an automobile is considered to be part of the
American dream. However, this dream can turn to a nightmare very quickly if you
encounter a sudden job loss, suffer a bodily injury that forces you to retire or
take a significant amount of time off work, or confront another emergency that
drains your financial resources.


HOW TO BEAT GENERAL REVENUE CORPORATION

Do you have a pending student loan? Has General Revenue Corporation contacted
you yet? If not, expect a call from them soon if you do not make plans to pay
your student loan debt.


HOW TO BEAT GC SERVICES

Debt collectors are infamous for their underhanded and harsh business practices.
A collection agency buys unpaid debts from banks and businesses for pennies on
the dollar, then tracks down and demands payment from debtors. Debt collection,
however, is a seedy underbelly dotted with former criminals and bullies looking
to scam distressed debtors.


HOW TO BEAT FROST ARNETT

If you've been receiving unwanted calls or notices of debt collection from a
company called Frost Arnett, you may be feeling anxious. This type of
communication, especially if it's continuous and occurs on a regular basis, can
put even the most stalwart person on edge.


HOW TO BEAT FNB OMAHA

Have you applied for a credit card with First National Bank of Omaha? If so,
they may appear on your credit report as a hard inquiry. First National Bank
Omaha (FNBO) has been operating for over 160 years and offers personal and
financial services, including credit cards, personal loans, refinancing, home
and auto loans, mobile banking, and investment accounts.


HOW TO BEAT FMA ALLIANCE

What's one of the least appreciated items you can receive in the mail? Probably
a notice from a debt collector telling you that you owe money. This can be
extremely stressful, especially if you have no idea who the debt collector is or
what the debt is for. Many people simply throw these letters away, but that's
not the best way to handle it.


HOW TO BEAT FIRST FEDERAL CREDIT CREDIT CONTROL

Debt collectors make unwarranted threats and continue to call you endlessly,
which is annoying and stressful. FFCC is part of that group. A debt follow-up
must be professional and courteous regardless of a debt's status. As a consumer,
you are entitled to be treated with respect and fairness when you owe a debt.


HOW TO BEAT FBCS

Getting threatening and harassing phone calls and letters from a debt collector
with FBCS Collection Agency is stressful and annoying. This is because FBCS,
like many other debt collection agencies, use questionable and inappropriate
methods to try and coerce you into repaying on a debt that is allegedly owed.
This is why FBCS will probably contact you via the phone multiple times a day,
try to find you on Facebook, Instagram, and other social media platforms, and
send many nasty letters to your home.


HOW TO BEAT FACTUAL DATA

If you are being sued by Factual Data, or are considering taking legal action
against Factual Data, it is important to go into it with your eyes open to
ensure you are fully informed about what to expect during a lawsuit.


HOW TO BEAT ERC COLLECTIONS

Being intimidated and harassed by a debt collector from ERC Collections is
understandably stressful, disrespectful, and inappropriate. Unfortunately,
making empty threats and pestering people incessantly is typically how debt
collectors do business. It is quite common to hear stories about debt collectors
being overly aggressive, rude, and outright misleading people in an effort to
get them to pay back a debt.


HOW TO BEAT EOS CCA

A debt collector's call can instantly disrupt your thought process and ruin your
day. Texts and letters are not fun either. Whether the debt is yours or
misplaced, you can act to stop the calls and outsmart debt collectors. Most debt
collectors are overly aggressive, making consumers like you feel like they have
no way out. EOS CCA, for example, has earned a reputation for harassment and
less than stellar customer service.


HOW TO BEAT EASTERN ACCOUNT SYSTEM

If you were contacted by a debt collector with Eastern Account System, or you
were recently served with a debt collection lawsuit by this debt collector, do
not give up hope or raise the white flag of defeat. You have powerful legal
rights and statutory protections that can be used to beat Eastern Account System
in court.


HOW TO BEAT CSIEZPAY

If you fall behind on making payments towards a loan, credit card, mortgage,
etc., do not be surprised if you are contacted repeatedly by a debt collector.
This is because banks, credit unions, and other financial institutions will
typically transfer a delinquent account to a professional debt collection
company in the hopes of recouping some or all of the balance owed. One such debt
collection agency is Client Services, Inc. (also known as CSI).


HOW TO BEAT CREDCO IN COURT

If you are being sued by Credco due to a delinquent debt, or are considering
taking legal action against Credco due to harassment or intimidation related to
inappropriate debt collection methods, it is important to go into litigation
with your eyes open and to ensure you are fully informed about what to expect
during a lawsuit. Conducting sufficient due diligence in the legal process is
important since it can help provide advice and guidance on how to beat Credco in
court.


HOW EVICTION WORKS FOR RENTERS

Going through an eviction is never something a renter wants to deal with.
However, eviction may be more common than you might think. Around three million
renters were evicted between 2016 and 2018. After the pandemic, we can expect
this to be true for even more people. However, some evictions can be avoided, so
it is important to educate yourself on this process if you fear it may happen to
you soon.


HOEPA – DEFINITION

The Home Ownership and Equity Protection Act, popularly known as HOEPA, is a
federal law that prevents certain abusive practices in the mortgage industry.
This is because many homeowners find themselves in a vicious cycle of debt after
purchasing a house.


FRUIT OF THE POISONOUS TREE

If you're involved in a court case, and you hear people talking about the “fruit
of the poisonous tree,” you might be wondering if you just stepped into a Snow
White fairytale. But fruit of the poisonous tree is just a fancy legal term used
to describe the following. In most court cases, the prosecution cannot use
evidence that is obtained illegally. This rule is known as the fruit of the
poisonous tree.


DOES WAGE GARNISHMENT AFFECT CREDIT?

If you default payment on your debt, your creditor will likely send your debt
account to a collection agency whose job is to recover the debt. Usually, the
collection agency uses several strategies to recoup the debt, such as
negotiating a repayment plan with you.


DO YOU OWE TAXES ON SETTLED DEBT?

You've managed to eliminate your debt through settlement, and you're happily
moving on with your life, no longer worried about meeting monthly minimum
payments or missing them altogether.


DO I HAVE TOO MUCH DEBT TO DIVORCE MY SPOUSE

Dealing with debt amid divorce isn't easy. Unfortunately, you may not be free
from the financial obligations of mutual loans and joint credit cards despite
successfully ending your relationship with your ex-spouse. For example, if your
ex-spouse defaults payment on a joint credit card after divorce, your credit
will suffer the same impact as theirs.


DISCLOSURES — DEFINITION

Disclosure is a common phrase used in various legal concepts and contexts. But
regardless of the concept or context, this phrase means the release of new or
confidential information. This article discusses the term ‘disclosure' when used
in the context of debt collection cases.


DISCHARGEABLE - DEFINITION

In debt collection terminology, the term 'dischargeable' refers to the type of
debt you are no longer responsible for, usually after filing for bankruptcy.
Debt collection laws do not permit creditors to collect a dischargeable debt. In
addition, they cannot contact you to collect such debt while the bankruptcy
petition is still pending in court.


DEMURRED – DEFINITION

Demurred is the past tense of the word demur. In the legal context, to demur is
when one party asks the court to dismiss a case due to insufficient evidence.
This doesn't necessarily mean that the allegations brought by the plaintiff are
not true. Instead, it means that even though these allegations are true, they
lack enough evidence to establish a valid cause of action.


COMMUTED SENTENCE – DEFINITION

A commuted sentence is a term used to describe the power to reduce a sentence
imposed by the judiciary. In other words, a commuted sentence is to replace a
harsh sentence with a less sentence. This phrase is commonly applied in criminal
law. For instance, an individual sentenced to death could receive a commuted
sentence of life imprisonment.


CAN PENSIONS BE GARNISHED?

Ahh, retirement. Many of us imagine reclining on nice, sandy beaches with
Hawaiian shirts, holding a fruity little drink with a paper umbrella in it while
relaxing and enjoying time off. Retirement is a beautiful goal and aim to have;
you performed years of service leading up to a retirement where you can rest
easy knowing that your earned benefits, such as your pension, are owed to you
and cannot be taken from you.


CAN I SUE THE PRESIDENT FOR EMOTIONAL DISTRESS?

US presidents have immunity when performing their executive duties. For this
reason, you can't sue a US president for emotional distress. But this doesn't
necessarily mean that the President is above the law; you just can't sue them
over certain things while they're still in office.


HOW TO BEAT SELIP & STYLIANOU LLP

Selip & Stylianou LLP is one of the primary consumer collection law firms in the
state of New York. Formerly known as Cohen & Slamowitz, LLP, it is a third-party
debt collection law firm located that serves creditors in New York state and New
Jersey. It is often employed by banks such as Citibank, Capital One, TD Bank,
and Discover.


HOW TO BEAT PHILLIPS & COHEN ASSOCIATES

Phillips & Cohen Associates is a debt collection agency located in Wilmington,
Delaware. They specialize in deceased account services, as well as credit card
charge-offs, and consumer retail debt. If you are being contacted by Phillips &
Cohen Associates, or you see it listed on your credit report, you may have had a
debt sent to collections. You may also have been sent a Summons and Complaint in
the mail, meaning you've been sued for the debt.


HOW TO BEAT MALEN & ASSOCIATES

Being sued for debt is never fun. Whether you have been called 1000 times and
you are ignoring those calls, or you never received the complaint and summons in
the mail, you need to know your rights. The first thing to know is that ignoring
the lawsuit is the worst thing you can do. If you do not fight back in court you
will automatically lose the case. You have a better chance of paying less in a
settlement, or not at all if you properly approach the lawsuit.


HOW TO BEAT KIRSCHENBAUM, PHILLIPS & LEVY P.C.

Kirschenbaum, Phillips & Levy P.C. is a third-pay debt collection law firm and
agency. The firm is headquartered in Long Island, New York, and represents
creditors in debt recovery lawsuits filed throughout New York City. Getting
calls, or receiving notice of a lawsuit from debt collectors like Kirschenbaum
Phillips and Levy, is not something that you want to deal with.


HOW TO BEAT DANIELS, NORELLI, CECERE & TAVEL P.C.

If you have received a notice that you owe a debt, or worse, that a lawsuit has
been brought against you, it can be a stressful situation. You may have no idea
where to start, but the best thing to do is to understand who you are being sued
by and what your options are. Here's everything you need to know about Daniels,
Norellis, Cecere & Tavel (DNCT) and how to beat them in court.


ANTICIPATORY REPUDIATION — DEFINITION

Anticipatory repudiation describes one party's refusal to honor the terms of a
contract. The refusal is usually expressed through a clear statement of refusal
or action that amounts to refusal. Here's everything you need to know about
anticipatory repudiation and its application in real-life situations.


ACCLERATION CLAUSE — DEFINITION

When you qualify for a loan you've applied for, you'll be required to sign some
paperwork to close the deal. The paperwork will cover various agreements between
you and the lender. Although it's always advisable to read and understand these
agreements before signing anything, most people don't. An acceleration clause is
one of the most common and important elements of the contract between the
borrower and the lender. Here's everything you need to know.


HOW TO BEAT NATIONWIDE RECOVERY SYSTEMS

Your first contact with Nationwide Recovery Systems (NRS) is likely through a
collection call or letter or an entry in your credit report. NRS is a debt
collection agency that buys debt from original creditors for a fraction of the
original amount, then works to recover the money and make a profit in the
process.


HOURS OF SERVICE VIOLATIONS - 10 EFFECTS

Do you know how serious it is to break hours of service rules? To put it
bluntly, it might cost a driver their life if the hours of service rules are not
followed. Hours of service violations risk the driver's life and endanger other
people driving on the road.


HOW TO GET DEBT RELIEF IN COLORADO

If you are in financial distress, various debt relief solutions may have crossed
your mind. You may also wonder what options are available to you as a resident
of the Centennial State. Like other American consumers, Coloradoans have several
options they can use to get out of massive debt. Before deciding which direction
to take, it is essential that you know how each option works, its pros and cons,
and if it's the best fit for your situation.


HOW TO GET DEBT RELIEF IN WYOMING

Rising inflation, the loss of jobs, and the high cost of living have forced more
Wyoming residents into crippling debt. Along with consumers in other states,
many wonder if they can find relief. It is possible to be debt-free. Of course,
there is no quick-fix way to melt away debt, but good planning and a willingness
to sacrifice when necessary can work wonders. Let's see how you can get debt
relief and then look at ways to get assistance in Wyoming.


HOW TO GET DEBT RELIEF IN WISCONSIN

Sometimes called the Dairy State, Wisconsin is known for its production of
cheese and beer, not to mention beautiful lakes that attract residents and
tourists alike during the summer. But in addition to Wisconsin's exciting local
offerings, its residents are also accustomed to its high cost of living,
especially when it comes to groceries.


HOW TO GET DEBT RELIEF IN WEST VIRGINIA

Many West Virginians have turned to credit card transfers in an attempt to to
reduce the interest and the size of the payments on their debts. Zero-interest
credit card transfers have become the most popular type of credit in the state.
Transferring debt from one card to another isn't always a bad idea, but many
consumers continue to use debt to get by, and as the debt grows their financial
situation worsens.


HOW TO GET DEBT RELIEF IN WASHINGTON

Struggling with debt is no fun. Constantly paying for essentials while also
trying to pay down your outstanding debt can even feel hopeless. Individuals in
Washington carry an average of nearly $10,000 in credit card debt while
simultaneously balancing one of the highest costs of living indexes in the
nation. In some suburbs of Seattle, home prices are up a staggering 46% since
April 2021.


HOW TO GET DEBT RELIEF VIRGINIA

Virginia is a state of many contradictions. The east coast is lined with
beautiful beaches, while the western part of the state houses the Blue Ridge
Mountains. In the north, the suburban sprawl of Washington D.C. includes cities
such as Alexandria, Arlington, and Fairfax. In the middle, the capital of the
state, Richmond, holds the seat of the government.


HOW TO GET DEBT RELIEF IN VERMONT

If you currently live in the beautiful State of Vermont and are struggling with
monthly debt payments, you are not alone. Many Vermont residents are carrying
fairly large debt loads in the form of credit card debt, mortgage debt, and
especially student loan debt. Specifically, the average Vermont resident is
paying down more than $38,000 in student loans which means Vermont has the
seventh-highest average amount of student loan debt per resident in the U.S. in
2020.


HOW TO GET DEBT RELIEF IN UTAH

If you've missed a few payments on credit, such as a car or personal loan, the
bank can put your debt into collections. After that, a collection agency or a
lawyer will try to collect the money you owe the loan provider. Debt collection
is a serious process that can adversely affect your credit score.


HOW TO GET DEBT RELIEF IN TEXAS

Texas is among the most populous and economically diverse states. With a
population of over 29 million and an economy larger than many countries, The
Lone Star state is undoubtedly a force to be reckoned with. However, not all is
rosy in the state of Texas. Like many other states, it has been hit hard by the
economic downturn. This has led to sharply increased levels of debt for plenty
of Texans.


HOW TO GET DEBT RELIEF IN TENNESSEE

Debt can rob you of your peace of mind. The overwhelming monthly payments or the
persistent calls from creditors can prevent you from finding solace even in a
nature-abundant state like Tennessee.


HOW TO GET DEBT RELIEF IN SOUTH DAKOTA

In today's age of ever-rising inflation and housing costs, it's not surprising
that many people are suffering from large amounts of debt. When prices rise,
people are often forced to rely on credit to meet their regular living expenses
and simply get by.


HOW TO GET DEBT RELIEF IN SOUTH CAROLINA

Debt challenges can cause tremendous stress that can affect all areas of life,
including mental and physical well-being. Debt relief programs assist consumers
in handling their debt by offering various strategies that help make debt
repayment more manageable.


HOW TO GET DEBT RELIEF IN RHODE ISLAND

If you suffer from overwhelming credit card debt in Rhode Island, you're not
alone. The average adult living in Providence carries $9,236 in credit card
debt, and that, combined with rising prices for everyday items and increasing
housing costs, can cause serious problems.


HOW TO GET DEBT RELIEF IN PENNSYLVANIA

Pennsylvania, home of the Liberty Bell and birthplace of the Declaration of
Independence, is known for its bustling cities and beautiful countryside.
Philadelphia is the home of four major league sports teams, giving its residents
something to cheer about each season. The state also experiences all four
seasons, with snow in the winter and a mild, pleasant summer.


HOW TO GET DEBT RELIEF IN OREGON

Owing debt can quickly snowball out of control, especially when you encounter
life changes such as a sudden medical expense, the loss of a job, or the
dissolution of a marriage or partnership. Credit cards, medical bills, payday
loans, and other forms of credit can create what feels like an avalanche of
debt.


HOW TO GET DEBT RELIEF IN OKLAHOMA

It's easy to get into debt. It's harder to get yourself out. If you're a
resident of Oklahoma, you can take advantage of laws and regulations that
protect you from aggressive debt collectors. You also have access to debt relief
options that can help you get your finances back on track and put you on a
trajectory to repair your credit.


HOW TO GET DEBT RELIEF IN OHIO

Like most Americans, residents of Ohio are grappling with a large amount of
personal debt, especially credit card debt. This is understandable considering
the significant economic headwinds we're facing in the wake of the Coronavirus
pandemic. Residents of Ohio, on average, are carrying more than $5,500 in credit
card debt. In addition to a large amount of credit card debt, many Ohio
residents are struggling with student loan debt. For example, Ohio ranked as the
8th worst state for the total amount owed toward student loans.


HOW TO GET DEBT RELIEF IN NORTH DAKOTA

Are you drowning in debt and wondering what to do about it? You are not alone;
most North Dakotans have two or more debts to pay. Some manage to make their
payments, while others struggle due to challenges such as unplanned medical
bills, job loss, the death of a provider, or life-changing financial events.
Others may have had a challenge with budgeting and realized, too late, that they
were spending more than they had earned.


HOW TO GET DEBT RELIEF IN NORTH CAROLINA

If you're currently struggling to maintain a basic quality of life with
significant debt hanging over your head in North Carolina, you may be wondering
what debt relief options are available. Debt can be a thorn in your side,
especially if you have other worries, such as raising a family or saving for
retirement.


HOW TO GET DEBT RELIEF IN NEW YORK

The Coronavirus pandemic hit New Yorkers especially hard since it basically
decimated some key sectors of the Big Apple's economy (e.g., finance, real
estate, tourism, etc.). This is largely why millions of people in New York
continue to struggle with financial challenges. For example, the average New
York resident is carrying more than $5,400 in credit card debt (the 14th-most in
the entire country). In addition to credit card debt, the average New York
resident is carrying an average mortgage debt of $240,795, which ranks as the
10th-largest amount in the United States.


HOW TO GET DEBT RELIEF IN NEW HAMPSHIRE

If you are having a tough time paying off credit card balances and feel as
though you are unable to chart a new course to manage your finances, you are not
alone. In fact, most people in New Hampshire and elsewhere in the United States
are carrying around a credit card balance. In fact, the average American has a
credit card balance exceeding $6,000, according to a survey conducted by
Experian Consumer Credit Review. For individuals residing in New Hampshire, the
average amount of credit card debt is even higher (around $6,200), according to
an article published by CNBC.


HOW TO GET DEBT RELIEF IN MONTANA

The Coronavirus pandemic adversely impacted the economies of every state,
including Montana. The number of tourists and visitors to “Big Sky Country”
declined by roughly 10%, and consumer spending dropped by 7% in 2020. As a
result of the economic hardship, many Montana residents saw their overall debt
load increase.


HOW TO GET DEBT RELIEF IN MISSOURI

Much like every other state, Missouri was hit hard by the Coronavirus pandemic.
For example, economists estimate that Missouri is likely to lose close to $5
billion in overall revenue as a result of the havoc wrought by the pandemic,
according to the Missouri Independent. The $5 billion loss in revenue comes at a
terrible time since the state was already carrying more than $2 billion in debt,
according to the News Tribune. In addition, Missouri residents are carrying, on
average, around $5,600 in credit card debt, according to CNBC.


HOW TO GET DEBT RELIEF IN LOUISIANA

If you are feeling burdened by a significant amount of credit card debt (in
addition to other forms of debt), do not throw your hands up in despair.
Challenges associated with managing personal debt is a common issue. For
example, the average American is carrying more than $6,000 in credit card debt,
according to a survey conducted by Experian Consumer Credit Review. People
residing in Louisiana have, on average, around $5,800 in credit card debt,
according to CNBC.


HOW TO GET DEBT RELIEF IN IOWA

The impact of the Coronavirus pandemic on Iowa's agricultural industry was
severe. In fact, experts estimate the damage inflicted on this sector of the
economy within the state to be approximately $6 billion. This likely means tens
of thousands of Iowa residents are struggling with unpaid bills and mounting
debt obligations.


HOW TO GET DEBT RELIEF IN GEORGIA

When it comes to personal finance and debt management, Georgia residents are not
doing great. For example, at the end of 2020, Georgia was ranked seventh in the
nation for total credit card debt carried by residents. In addition, the Peach
State was ranked fifth for student loan debt, and third in the entire country
for the average amount owed toward auto loan debt.


HOW TO BEAT PHOENIX FINANCIAL SERVICES

If you are being subjected to harassment by a debt collector associated with
Phoenix Financial Services, it is perfectly understandable if you are feeling
stressed, frustrated and anxious about the future. Phoenix Financial Services,
like many other debt collection companies, often utilize aggressive and
troublign tactics to try and compel you to repay the debt you allegedly owe.That
is why Phoenix Financial Services may call you on your phone multiple times each
day, try to connect with you on Facebook, Twitter, or another social media
platform and they will probably send you threatening letters in the mail.


HOW TO BEAT DRS CREDIT

DRS, or Dynamic Recovery Solutions, was established in 2008 and has a combined
50 years of debt collection expertise. DRS is a recovery company that collects
debt on behalf of a creditor who believes you owe them money. As a result, you
may receive harassing phone calls, several past-due notifications, and
threatening letters.


HOW TO BEAT DIRECT RECOVERY SERVICES

Calls from Direct Recovery Services may throw you off balance. Instantly, a
million questions come buzzing in your head: Is this a legitimate debt
collection agency? Are they planning to sue me? Will they ruin my credit score?
What rights do I have in this situation? It's important not to panic when Direct
Recovery Services contacts you. The company's purpose is to get money from you
to settle a debt they think you owe. If you lose your cool, you may play right
into their trap and end up worsening the situation. Your best reaction is to
take a deep breath and stay calm.


HOW TO BEAT DCM SERVICES

Have you received multiple calls and voicemails from DCM Services? Are their
emails cluttering your inbox? If so, it is probably because a deceased loved one
had an unpaid debt with them. DCM Services LLC is a debt collection agency that
collects the debt of a person who has recently passed away from their immediate
family members. DCM's primary purpose is to collect an overdue debt from you,
even though it is not directly yours.


HOW TO BEAT CREDIT MANAGEMENT LP

If Credit Management LP is harassing you with multiple phone calls and letters
each day, you are probably feeling a combination of anger, frustration and
stress. This is perfectly understandable since Credit Management LP and other
debt collection companies are known for using unethical means to get consumers
to pay what they allegedly owe.


HOW TO BEAT CREDIT CONTROL CORPORATION

A call or email from Credit Control Corporation could only mean that you owe a
debt to an individual or a company. Credit Control Corporation is a legitimate
third-party debt collection agency that collects debt for utility providers,
healthcare institutions, and commercial enterprises.


HOW TO BEAT CRDT FIRST

If you are being subjected to harassment by a debt collector who was retained by
CRDT First, it is understandable if you feel scared, anxious, and unsure about
what to do next. Debt collectors routinely employ overly aggressive and
troubling tactics to try and compel you to repay the debt you allegedly owe.That
is why debt collectors retained by CRDT First may call you on your phone
multiple times each day, try to connect with you on Facebook, Twitter, or
another social media platform and they will probably send you threatening
letters in the mail.


HOW TO BEAT CHOICE RECOVERY

It starts slowly—first, you'll probably receive a letter in the mail notifying
you that you owe a debt. This letter will come from a debt collection agency
that you have likely never heard of, such as Choice Recovery.


HOW TO BEAT CENTRAL PORTFOLIO CONTROL

If Central Portfolio Control has contacted you about an unpaid debt or you have
been served with a debt collection lawsuit by this agency, do not throw your
hands up in despair. You have certain legal rights and protections when being
contacted by a debt collector or when sued by a debt collector in court.


HOW TO BEAT CCS OFFICES

When you fall behind in debt, the one thing you hope for is that the debt
collector treats you with dignity and respect whenever they contact you. You
wish to keep your peace of mind so you can work out a strategy to help you get
back on track.


HOW TO BEAT CCS COLLECTIONS

Has CCS Collections been harassing you to pay off a debt you owe? This is
probably an upsetting time. Unfortunately, CCS Collections and other companies
like them use unethical means to get consumers to pay what they allegedly owe.
So CCS Collections may call you at all hours of the day to get you pay up. They
might harass you on the job and try to bother you on your social media channels.
These companies rarely give up and can hound you for years. They get the most
compensation when they get you to pay, so they will keep coming after you.


HOW TO BEAT CAPIO PARTNERS

Unexpected health care expenses can wreck even the most well-thought-out
financial plan. Even worse, debt collectors that specialize in uncollected
medical debt often add stress to an already difficult situation. Capio Partners,
based in Sherman, TX, is one such debt collection agency. The agency specializes
in medical debt, buying uncollected debts from healthcare providers, and then
attempting to collect the amounts owed.


HOW TO BEAT CAINE AND WEINER

Being on the receiving end of a debt collection notice is no one's idea of fun.
However, it happens, and if you are in receipt of a letter from Caine and Weiner
attempting to collect a debt, you'll want to know how to handle it.


HOW TO BEAT BULL CITY FINANCIAL

Bull City Financial Solutions (BCFS) is a legitimate debt collection agency in
North Carolina. It has been in business for over 47 years. They collect for
companies in various industries, including government and municipalities,
healthcare, education, utility, retail, and financial institutions.


HOW TO BEAT BC SERVICES

BC Services, Inc. (BCS) is a Colorado-based collection agency. BCS provides
payment resolution and collection services to a variety of businesses,
including: Utility companies, financial service providers, government entities,
commercial entities, and healthcare providers.


HOW TO BEAT AVANTUS

Avantus is a credit reporting agency that provides financial institutions with
extensive background checks to potential clients who want a loan. It helps these
companies assess borrowers' credibility and expose any history of fraud and
criminal activities. Avantus recently rebranded and is now called Xactus. In
this article, we will use the former name of the company, Avantus, for clarity
purposes.


HOW TO BEAT AVANTE USA

Do you keep getting harassing phone calls and letters from debt collectors
affiliated with Avante USA? If so, you are probably feeling a combination of
anger, frustration and anxiety. This is perfectly understandable since debt
collectors such as Avante USA will use every trick in the book to try and make
your life miserable until you agree to pay what they think you owe. Some debt
collectors even resort to using inappropriate and unethical methods to try to
get you to pay an outstanding debt.


HOW TO BEAT ARS NATIONAL SERVICES

If you are being subjected to harassment by a debt collector with ARS National
Services, you're probably wondering how you can get rid of the stress and
frustration.. Why? Because it's quite common for debt collectors with ARS
National Services to use inappropriate and unethical tactics to try to get you
to pay the debt allegedly owed.


HOW TO BEAT ARC COLLECTIONS

Accounts Receivable Consultants (ARC) collections boasts of being different from
other debt collection agencies by offering superior services. But, do they? Is
their collection strategy different from the rest? Do they use unlawful methods
or harassment in an attempt to collect debts?


HOW TO BEAT AR RESOURCES

AR Resources is one of the largest debt collection agencies in the United
States. They collect past due debts for many creditors, including student loan
providers and medical bills. While dealing with the calls can be frustrating,
you should worry more about the harm the account in collections has on your
credit score. Each delinquent debt on your credit report is a stain that can
hurt your credit for up to seven and a half years.


HOW TO BEAT AFNI COLLECTIONS

When you feel weighed down by debt collectors, remember that there's help. Debt
collection is heavily regulated, and for a good reason. AFNI's calls, emails,
texts, or lawsuits can put a strain on your mental, emotional and physical
health.


HOW TO BEAT 11 CHARTER COMMUNICATIONS

If you are being harassed by a debt collector associated with 11 Charter
Communications, you're probably feeling stressed, frustrated and anxious about
the future. 11 Charter Communications, like many other debt collection
companies, often use aggressive and problematic tactics to try and compel you to
repay the debt you allegedly owe. That's why 11 Charter Communications may call
you on your phone multiple times each day, try to connect with you on Facebook,
Twitter, or other social media platforms, and they might even send you
threatening letters in the mail.


HOW TO GET OUT OF DEBT BEFORE RETIREMENT

There are three things in life you can't get away from: taxes, death, and
student loans. While secretly hoping the next celebrity showing up at your
graduation might cover for the third, we're here to encourage you that there's
still life to look forward to in the years ahead in case that celebrity doesn't
show.


HOW TO GET DEBT RELIEF IN NEW MEXICO

Many New Mexicans struggle to pay their debt every month. Many owe thousands of
dollars on student loans, credit cards, medical bills, and other unsecured
loans. The pandemic also caused those who were barely managing to pay their
debts to fall behind on payments due to the dynamics that affected income
generation.


HOW TO GET DEBT RELIEF IN NEW JERSEY

Living in New Jersey is great—the beaches, the nightlife, the high median
household income… And the high cost of living. Even a good salary can disappear
quickly when you are struggling to pay down debt.


HOW TO GET DEBT RELIEF IN NEVADA

Financial freedom is a way of life that evades most Nevadans today and, like
many others across the country, most are saddled with debt. Over 3 million
people live in the western state, which has seen a drop in unemployment.
However, statistics show a debt increase of 3.5 percent, from $101,727 in 2020
to $105,281 in 2021.


HOW TO GET DEBT RELIEF IN NEBRASKA

Nebraska is a great place to live, with plenty of opportunities to get into
agriculture. The state also has some of the best universities in the country
specializing in research and dentistry.


HOW TO GET DEBT RELIEF IN MISSISSIPPI

Having some debt is healthy. You earn lenders' trust when you pay it back on
time, and it can help you get competitive interest rates in the future. However,
when unsecured and other debts pile up, they become a problem. Instead of an
excellent credit score, you get bad credit as creditors threaten to sue.


HOW TO GET DEBT RELIEF IN MINNESOTA

Residents of Minnesota carry an average of nearly $10,000 in credit card debt.
With inflation rising and gas and home prices up by double digits since last
year, it's no surprise that people are having difficulty paying down their debt.


HOW TO GET DEBT RELIEF IN MICHIGAN

In Michigan, people often struggle with their finances due to rising living
costs and unmanageable debt. Paychecks don't seem to stretch as far as they used
to, and many people have trouble meeting regular obligations such as rent and
car payments.


HOW TO GET DEBT RELIEF IN MASSACHUSETTS

No matter where you live, debt of any kind can be overwhelming. Many
Massachusetts residents deal with the heavy burden of unpaid debts ranging from
credit cards, high-interest loans, mortgages, and medical bills. Massachusetts
is currently the 4th wealthiest state, but having this status comes with a price
of the high cost of living, making it easy for residents to accumulate debt.


HOW TO GET DEBT RELIEF IN MARYLAND

Maryland, situated just above Washington, D.C., and bordered by Delaware,
Virginia, and Pennsylvania, is known for its blue crabs, Old Bay Seasoning, and
lively cities. A large population of the state lives in the city of Baltimore,
which is within a 45-minute drive of the nation's capital. Despite its many
offerings, Marylanders can find the cost of living to be quite high. Cities
situated just outside of D.C., such as Gaithersburg and Bethesda, have a cost of
living index as much as 56% higher than the national average.


HOW TO GET DEBT RELIEF IN MAINE

Maine, known for its fantastic skiing options and quaint towns, is also one of
the most expensive states in the U.S. to live in. Residents battle high state
and property taxes while dealing with a relatively high cost of living and
average salaries. The cost of living index is 115.


HOW TO GET DEBT RELIEF IN KENTUCKY

As a resident of Kentucky, you may be in a situation where you are not making
any progress on repaying your debt. Instead, the debt continues to pile up,
causing your credit score to decrease while your anxiety climbs.


HOW TO GET DEBT RELIEF IN KANSAS

Residents of Kansas are no strangers to consumer debt. While its cost index of
89 makes it one of the least expensive states to live in, rising inflation,
increasing gas prices, and soaring home costs have led Kansas residents to
resort to accumulating credit card and consumer debt. In fact,he average
Overland Park resident has $11,881 in credit card debt.


HOW TO GET DEBT RELIEF IN INDIANA

Debt relief is supposed to help you stay on top of your finances. If you can
reduce the principal amount you owe, the interest you are paying, or pay off
your debt faster, you will save yourself a substantial amount of money and
reduce your anxiety about finances.


HOW TO GET DEBT RELIEF IN ILLINOIS

Suffering from debt can be extremely frustrating and stressful. If you're making
only minimum payments, you may not see much of a dent in your overall balance,
despite trying to follow your creditor's terms. For those who have missed
payments on their debt, it's common to receive letters in the mail or phone
calls from creditors with an intent to collect payment. These calls can come at
inopportune times, such as when you're in the middle of your workday.


HOW TO GET DEBT RELIEF IN IDAHO

Navient recently settled with Idaho to forgive close to $4 million in debt. What
a relief for the over 170 borrowers who will benefit from this arrangement after
court approval! For most consumers, debt forgiveness is a fairy tale. Struggling
with debt isn't new to many American consumers, especially with the rise in the
cost of living. In recent years, Idaho has seen a surge in housing costs
(although that is stabilizing). The added expenses have resulted in an
overreliance on credit cards. And these debts quickly add up and become
unmanageable.


HOW TO GET DEBT RELIEF IN HAWAII

If you're a resident of Hawaii, you're likely battling high property taxes,
rental rates, expensive consumer goods, and consumer debt. Hawaii is currently
the most expensive state to live in, with a cost index of 193.3. Rising
inflation and gas prices haven't helped matters, and ordinary citizens are
feeling the pinch. Apartment rental rates are up 20% compared to last year,
leaving many without adequate housing options.


HOW TO GET DEBT RELIEF IN FLORIDA

Despite the many reasons to love the Sunshine State, living in Florida can come
with some financial drawbacks. Home prices have surged over the past year, in
some cases as much as 32%. Rentals have also gone up, leaving individuals with
higher monthly costs of housing.


HOW TO GET DEBT RELIEF IN DELAWARE

Unsecured loans can quickly change from being your way out of a bind into a
nightmare. Even the most financially conscious person can have unmanageable debt
because of one financial hiccup. The extraordinarily high-interest rates on most
payday loans add to debt woes for many who fall into the trap of needing these
quick loans.


HOW TO GET DEBT RELIEF IN CONNECTICUT

If you're struggling with debt in Connecticut, you're not the only one. High
state tax rates, property taxes, student loans, and credit card debt all play a
role in making Connecticut an incredibly expensive state to live in. In fact,
it's ranked as the eighth most expensive state by World Population Review, with
a cost of living index of 121.6. In addition, residents of Connecticut earn an
average wage of $66,130, which is only slightly above the national average of
$58,260.


HOW TO GET DEBT RELIEF IN CALIFORNIA

If you're in debt, you probably understand the feeling of struggling to meet
your bills. It can be a constant battle, especially with the rising cost of
living and high taxes. People in California also must deal with high rental
costs, which can be significant across the state.


HOW TO GET DEBT RELIEF IN ARKANSAS

If you're struggling with debt in Arkansas, you're not alone. A recent study
conducted by WalletHub shows that the average household in Little Rock,
Arkansas, carries $10,527 in credit card debt. The state also has one of the
lowest average salaries in the nation, with the average worker earning $46,500
annually.. These amounts, combined with the surge in inflation and housing costs
over the past year, can make it hard for the average Arkansas resident to get
ahead on their debt.


HOW TO GET DEBT RELIEF IN ARIZONA

If you are a resident of Arizona, you may have noticed a wave of new homes being
built in and around your neighborhood. This is largely due to the fact that
Arizona is the sixth fastest-growing state in the entire country. For example,
more than 260,000 people relocated to Arizona each year between 2014 and 2018,
according to housing data from the United States Census Bureau. There are many
reasons why people opted to move to Arizona (e.g., reasonable cost of living,
amazing natural attractions and overall ambiance), but there remain serious
economic headwinds impacting residents of the Grand Canyon State.


HOW TO GET DEBT RELIEF IN ALASKA

If you're fighting to reduce or pay off your unsecured debt in Alaska, you are
not alone. Alaskans have the highest credit card debt per cardholder in the
nation as of May 2022. The average is over $8,000, which is way above the
country's average of $6,194 during the same time.


HOW TO GET DEBT RELIEF IN ALABAMA

If you're drowning in debt in Alabama, you're not the only one. Individuals
living in Birmingham, Alabama, carry an average of $9,473 in credit card debt.
While the state boasts a relatively low cost-of-living index of 89.3, it hasn't
been immune to the dramatic increases in inflation and home costs that the
nation has experienced over the past year.


HOW TO BEAT ALDOUS AND ASSOCIATES

Aldous & Associates is a law firm specializing in 90-day past-due consumer
collections in the fitness industry. Aldous, which is now in its tenth year, was
based on gym-friendly service practices like no costs to account for
reinstatement or cancellations, comprehensive credit reporting flexibility, and
no-cost amnesty programs. In Salt Lake City, the firm has all the usual
collection instruments of vigorous phone and email campaigns.


HOW TO BEAT ACCOUNT SERVICES

If you've received a debt collection letter from Account Services, you're likely
wondering what it's about. You probably have never heard of the company, and
you'd likely remember if you had borrowed money from them.


WHAT IS A GOOD CREDIT SCORE FOR BUSINESSES?

Most of us are pretty familiar with the idea of a personal credit score,
especially once we've gained a financial standing. But a business credit score
is a term relatively unexplored for many of us. We might interrelate these two
scores, but to set the records straight, both have a unique formula that is
based on various facts and figures that don't align. Interested in getting a
good business credit score and maintaining it? This article has been fragmented
perfectly for you to clear up any confusion on what is a good credit score for
businesses and how it works.


ATTORNEY LOOKUP FOR ALL 50 STATES

If you've been sued for a debt, you may not know what to do. Lawsuits can be
frightening, causing a gray shadow on an otherwise sunny day. It's essential to
be objective and read every line of your Summons and Complaint. Try not to let
emotions get in the way, and take a step-by-step approach to drafting your
response and preparing for the court case.


6 REASONS YOUR CREDIT SCORE ISN'T GOING UP

You have probably checked your credit score several times and are wondering why
it has stagnated for a while now. You most likely tried to make your debt
payments on time. In fact, you may have cleared a debt hoping it would improve.
Or maybe you have even stopped applying for a new line of credit. Still, your
credit score has not changed.


5 BEST DEBT REDUCTION SERVICES OF 2022

If you're currently swimming in debt and don't want to drown, pursuing a debt
reduction service may be the way to go. These companies provide services that
allow you to pay off your debt, typically for a reduced amount.


3 REASONS BANKS CAN FREEZE YOUR ACCOUNT

If you have overdue debts, you may suddenly realize that your bank accounts have
been frozen. This is only after a default judgment has been awarded against you
to a creditor or debt collector to whom you owe money.


WHAT IS HOMICIDE?

Homicide is something discussed in television shows, novels, and popular
culture. In fact, many true crime dramas focus their storylines on homicides.
Despite the topic being heavily involved in most of our lives, most people do
not truly know what a homicide even is. Homicide occurs when someone dies due to
the actions of another, but there is a distinction in the many forms of homicide
as well. Let's break it down.


WHAT IS EVADING THE POLICE?

Evading the police involves running, driving, or leaving a police officer when
you have committed some type of criminal offense. This could be a driver who
flees after they are stopped by a police officer, or running after committing a
crime. It can also be avoiding the police when there is a warrant out for
arrest. However, it is always an intentional fleeing of the scene after being
ordered to stop or stay.


TOP SIDE HUSTLES TO PAY OFF DEBT

If you find yourself in a never ending, hamster wheel cycle of earning money,
only to spend it on essentials such as rent, food, and transportation, you may
be wondering when you'll ever have enough to pay off your debt. In this article,
we'll look at the top side hustles that you can use to pay down your debt.


HOW TO USE MY.LOANBUILDER

LoanBuilder is a PayPal direct lending service that offers short-term business
loans. It has become a favorite of small businesses for its simple and quick
loan application process, with no hidden fees. LoanBuilder provides small
businesses with a type of interest-free loan in which the borrower pays back a
pre-calculated fixed fee plus the borrowed amount.


RICO CHARGE

The federal Racketeering Influenced and Corrupt Organizations, also known as
RICO, is a law that was passed in 1970. It was originally created to take down
the mob because prior to RICO being enacted, prosecutors were only able to try
mob-related crimes individually. This led to it being impossible to shut down
the whole organization. Although RICO is not as commonly used in modern times,
it is still used to prosecute individuals in corrupt situations.


HOW TO BEAT SESSOMS AND ROGERS IN COURT

If you are being sued for a debt, you need to consider all of your options. You
may not even be aware of the fact that you can request a debt collector to
verify your debt, and if they cannot, they are not legally allowed to sue you.
This is also useful if you were to attempt to negotiate a settlement.


HOW TO BEAT RECEIVABLES PERFORMANCE MANAGEMENT

Do you cringe every time you hear the phone ring? It might have something to do
with the repeated, unwanted calls you've been receiving from Receivables
Performance Management. In their messages, they claim to be a debt collector,
but you're wary of scams. What should you do?


HOW TO PARAMOUNT RECOVERY

Debt collectors can go to extraordinary lengths to track you down, and their
repeated phone calls can leave you feeling trapped and desperate. But don't
panic. Even collectors like Paramount Recovery Systems are easy to deal with
once you know how. This guide will help you learn how to deal with debt
collection calls from Paramount Recovery and put you on a path to clearing your
name with your credit bureau.


HOW TO BEAT NATIONAL CREDIT CARE

National Credit Care is based in Colorado and promotes itself as a credit repair
company focused on helping consumers improve their credit to qualify for a
mortgage. Unlike most credit repair agencies, National Credit Care claims they
do not use an automated dispute process. However, their self-proclaimed personal
approach has still left many consumers unhappy with their services.


HOW TO BEAT GLASSER AND GLASSER

You don't recognize the number, so you send the call straight to voicemail.
Their message reveals that they're calling from Glasser and Glasser about your
outstanding debt. Now, you cringe every time the phone rings, worried it's yet
another call from a debt collector aggressively pursuing their debt.


HOW TO BEAT FIN REC SVC (FINANCIAL RECOVERY SERVICES)

The Better Business Bureau classifies Financial Recovery Services as a
collections agency. They specialize in recovering money from delinquent accounts
for their clients. The company's alternative names are FRS, Financial Recovery
Services of Minnesota, and fin rec svc.


HOW TO BEAT ENHANCED RECOVERY COMPANY

Are you tired of receiving calls from Enhanced Recovery Company and trying to
figure out how to stop them? Many consumers find themselves in this situation,
and they feel helpless since they do not know what to do. To beat Enhanced
Recovery Company (ERC), you need to know:


COUNTERSUING A COMPANY: A STEP-BY-STEP GUIDE

If you're in a business dispute and both parties can't find common ground, it
usually leads to a lawsuit. If you are the one being accused, you may sometimes
feel like it was actually the company that did you wrong. If this is the case,
can you sue the company that is suing you? The short answer is yes, you can file
a civil lawsuit against the company. But, before doing so, you need to know how
it works.


CONSTRUCTIVE DISCHARGE - DEFINITION

Constructive discharge claims are lawsuits filed by an employee who has left
their job because of intolerable working conditions. These conditions must have
been so poor that they forced the employee to quit their position.


BEAT RUBIN & ROTHMAN IN COURT

Rubin & Rothman, LLC is a law firm based in New York state. They specialize in
third-party debt collection. Rubin & Rothman have received complaints of alleged
violations of the Fair Debt Collection Practices Act (FDCPA). Generally, these
include attempted debt collections on debts not owed, as well as threatening to
take actions that they cannot legally take. If you have been contacted by Rubin
& Rothman, it is important to understand your rights and how to properly
approach the situation.


HOW TO GET CREDIT CARD DEBT RELIEF

It's a sunny day, and you go outside to check the mail. What's that evil-looking
envelope in your mailbox? A letter from a creditor on an unpaid debt? Your day
might not look so sunny anymore. Jokes aside, credit card debt is a problem that
people struggle with throughout the United States. The median average credit
card debt is a staggering $3,706 per person, and everyday people with standard
incomes struggle to repay it when they've got other expenses to deal with.


IS FREEDOM DEBT RELIEF A SCAM?

People who are in debt and stuck making monthly minimum payments often wonder if
they can seek debt relief through various debt settlement programs. These
programs claim to get rid of debt quickly. Oftentimes, they give all of your
outstanding credit debt information to a company that claims they can resolve
your debts. It might sound like a wonderful opportunity to anyone who is sick of
calls from debt collectors.


HOW TO ACCESS FREE DEBT RELIEF

If you're drowning in debt, you may be wondering how you can get your head above
water and stay there. You're not alone. Millions of people in the United States
and around the world are currently wrestling with debt. In this article,
SoloSuit will help you weigh your options for debt relief.


HOW TO BEAT OLIPHANT FINANCIAL, LLC

If you're being pursued for a debt by Oliphant Financial, LLC, you're probably
sick of annoying calls and letters. You may not even know who they are, let
alone why they think you owe them money. Before agreeing to pay them any money,
make sure that you understand what they are contacting you about. It's not
uncommon for debt collection agencies to pursue people for debts they don't
legitimately owe.


HOW TO BEAT CBCINNOVIS

Have you applied for a loan or line of credit in the recent past? If so, you may
see CBCInnovis on your credit report. They are a credit reporting agency that
helps banks, lenders, and other financial institutions vet applicants.


HOW TO BEAT WILSHIRE CONSUMER CREDIT

Debt collectors can make you cringe when your phone rings. They could be calling
for the umpteenth time to ask for their money. It gets worse when they use
robocall software to make the calls, and you cannot have a meaningful
conversation on the way forward.


HOW TO BEAT DEBT RECOVERY SOLUTIONS

If you receive calls from a company called Debt Recovery Solutions, you most
likely have one or more unpaid bills to deal with. Debt Recovery Solutions is a
third-party collector hired by businesses to get customers to pay their past-due
bills, including everything from credit card debt to hospital bills to utility
fees.


HOW TO BEAT USCB AMERICA

It is a high-stakes game where everything is well engineered. Americans fall
into debt traps designed to make the banks rich at the expense of the average
American. Around 70 million consumers have received a debt collection notice or
been contacted about it.


HOW TO BEAT NATIONAL CREDIT SYSTEMS

Did National Credit Systems contact you recently? Have they entered the debt in
your credit report? If so, you may have an unpaid rent balance owed to a
landlord. National Credit Systems Inc is a legitimate third-party collection
agency specializing in collecting for the multifamily residential industry.


HOW TO BEAT CBE GROUP

CBE Group, a debt collection agency, has been around since 1933. The company
serves hundreds of creditors, from cell phone providers to the federal
government. CBE has a lucrative contract for the collection of U.S. Department
of Education student loans.


HOW TO BEAT PIONEER CREDIT RECOVERY

If Pioneer Credit Recovery's name seems familiar, it's because they've been in
the headlines frequently in recent years. They were one of five collection
companies sacked by the Department of Education in 2015 after the IRS engaged
them to collect on Americans' overdue tax payments. In 2017, the Trump
administration rehired the firm to collect on defaulted student loan obligations
again.


STOP CALLS FROM 877-317-0948

You sit at your desk, psyched to check every task off your to-do list. Your
phone rings and you decide you can take one last call before you get to work.
Instead of a cheerful greeting from someone you know, it's a robocall, some
prerecorded message telling you to dial certain digits. You are angry. You
decide to hang up, but now you are distracted.


STOP CALLS FROM 202-367-9070

Are you receiving multiple calls from 202-367-9070? Are they ignoring your
request to stop calling? You're probably wondering why. 202-367-9070 is a number
used by the IC System: a debt collection agency based in St. Paul, Minnesota
with branch offices in Fargo, Lacrosse, and North Dakota.


THE BEST STRATEGIES FOR PAYING OFF CREDIT CARD DEBT

With its many benefits, a credit card can make your life easier. You can buy on
credit and pay later. It's a widely accepted payment method and may even improve
your credit score if everything goes well.


HOW TO FIX YOUR CREDIT TO BUY A HOUSE

Can you remember your first credit card or student loan application? Since that
time, many companies have monitored and inspected your finances routinely.
Financial institutions look at your credit score from the three major credit
bureaus to understand your financial health.


HOW TO BEAT CBV COLLECTIONS

If you have landed on this page, the chances are high that you have experienced
harassment by CBV Collections. Unfortunately, you are not alone.CBV Collections
has a history of rudeness, abusive practices, and ignoring consumer complaints.
Read on to learn more about the company and how you can win against them. CBV
Collections is a debt collection agency located in Canada with several offices.
Their listed phone number is 1-888-311-1121 and compliance@cbvcollections.com is
their email address.


WHAT DOES BAC STAND FOR?

If you have ever had a few drinks and gone to drive your car, the worst thing
that could happen is to be pulled over by a police officer. If this has happened
to you, then you might have faced some serious problems. Additionally, you may
have heard the officers mention the term “BAC”. If your BAC is too high, you
might face a drinking and driving alcohol charge, but what does BAC stand for?


HOW TO DEFEAT DNF ASSOCIATES, LLC

Being contacted by a debt collection agency is an unpleasant experience that
everyone would rather avoid. It can result in a constant stream of phone calls
throughout the day telling you to make a payment for bills you cannot afford. It
quickly becomes embarrassing and stressful to have consistent messages left on
your voicemail, get contacted at work, or when a company contacts your family
and friends about a debt.


TRESPASSING

Trespassing is a crime that is often considered an infraction, and it is most
commonly prosecuted as a misdemeanor. However, if you've been caught
trespassing, the consequence depends on the state you are tried in. In most
situations, trespassing is not a crime that you want to commit.


HOW TO HIRE A MEDIATOR

When you can no longer pay your debt, you may hire a mediator to negotiate with
the creditor on your behalf. However, knowing the difference between a good and
average mediator could impact the result of the negotiations. For this reason,
we'll discuss everything you need to know about hiring a mediator.


EVERYTHING YOU NEED TO KNOW ABOUT GETTING DIVORCED

When you and your partner decide to terminate your marriage, you can make it
official by filing a divorce. The process of filing for divorce varies depending
on several factors such as the type of divorce, how long the couple has been
married, whether or not they have kids, etc. In addition, some divorce processes
are faster and less stressful than others.


WHAT TO DO WHEN YOU GET A FAKE COURT SUMMONS OR PHONE CALL

Being served with a court Summons is always nerve-wracking, whether it comes in
the form of a phone call or in the mail. If you've been summoned for a debt you
do not recognize, you should verify the Summon's authenticity. That being said,
it can be difficult to recognize if a debt is yours if you have multiple
outstanding debts already. They seem to stack up in an overwhelming fashion.
Rather than give up, be sure to verify the Summons document you received, or ask
for verification on the phone before you take any more action. If the Summons is
real, SoloSuit can help you respond and win in court.


HOW TO BEAT CMRE FINANCIAL SERVICES

If you are being subjected to harassing phone calls, emails, social media
messages, letters, etc. by a debt collector with CMRE Financial Services, it is
perfectly understandable to feel stressed, frustrated and anxious about the
future. CMRE Financial Services, like many other debt collection companies,
often utilize aggressive and abusive tactics to compel you to repay the debt you
allegedly owe. That is why CMRE Financial Services may call you on your phone
multiple times each day, try to connect with you on Facebook, Twitter, or
another social media platform, and they will probably send you threatening
letters in the mail. Here's everything you should know about CMRE Financial
Services and how to beat them in court.


HOW TO BEAT FRONTLINE ASSET

Getting harassed by a debt collection agent hired by Frontline Asset can be
stressful and exhausting. Debt collectors can be overly aggressive, rude, and
make empty threats with the goal of getting you to pay. If you are being
subjected to this type of harassment, do not give up hope. You have legal
options and tools available that can show you how to beat Frontline Asset in
court.


HOW TO BEAT GURSTEL

If you are being subjected to harassment by a debt collector associated with
Gurstel, it is perfectly understandable if you are feeling stressed, frustrated
and anxious about the future. Gurstel, like many other debt collection law
firms, often utilize aggressive and even abusive tactics to get consumers to
repay the debt they allegedly owe.


BEAT EVEREST BUSINESS FUNDING IN COURT

Based in Doral, Florida, Everest Business Funding is an online provider of loans
and merchant cash advances. Typically they provide these loans, including
merchant cash advances programs, to small businesses in need of working capital.
If you default on a loan with Everest Business Funding, you may receive
information in the mail regarding a lawsuit. It is essential to respond to this
lawsuit as soon as possible. Here's everything you need to know about Everest
Business Funding and how to beat them in court.


BEAT LINCOLN AND MORGAN KABBAGE IN COURT

If Lincoln and Morgan have been calling you to say they represent Kabbage, then
you might be part of a debt collection lawsuit. You may have borrowed from
Kabbage because they offer easy loans with an application decision in minutes.
Applying for a loan gives Kabbage access to your business performance and credit
score in order to determine eligibility for a loan. If your application is
accepted, Kabbage will offer immediate access to funds. With lines of credit up
to $250,000 in all 50 states, the loans can be used for working capital needs
such as inventory, renovations, and payroll.


THE ADVANTAGES OF PRE-SETTLEMENT LAWSUIT FUNDING

Lawsuits and litigations come with unexpected expenses. For example, you may
need to pay for your medical bills to treat injuries from a car accident that
led to the lawsuit. These injuries may also keep you out of work for a while,
making it impossible to earn a living to manage your expenses, such as your
credit card bills or rent. That's where pre-settlement lawsuit funding comes in.


HOW TO RESPOND TO REQUEST FOR ADMISSION

A Request for Admission shortens the lawsuit timelines and reduces the costs
involved, although it may be complicated if not handled correctly. When you
receive the Request for Admission document, you must respond as soon as possible
to avoid missing the deadline. In addition, you must abide by the Rules of Civil
Procedure to ensure that your response is well-prepared. Here's everything you
need to know about how to respond to a Request for Admission and the
requirements to submit an acceptable answer.


WHAT STATES REQUIRE A PROFESSIONAL LICENSING NUMBER FOR DEBT COLLECTORS?

Debt collection can be a dicey business. Knowing the rules about how
professional debt collection licensing differs by state can protect you from a
debt collector acting illegally.


BEAT ALPHA RECOVERY CORP IN COURT

In 2019 alone, the Consumer Financial Protection Bureau (CFPB) received 21
complaints regarding the actions of Alpha Recovery Corp. These complaints were
based on the fact that they used poor communication tactics, attempted to
collect debt not owed, and even added incorrect information on consumers' credit
reports. In some cases, Alpha Recovery Corp threatened to contact someone or
share information improperly and even took or threatened to take legal action.
If this sounds like something you have dealt with, or if you are simply being
sued for debt by Alpha Recovery Corp, continue reading to learn how to beat them
in court.


BEAT P&B CAPITAL GROUP IN COURT

If you are being sued in court for debt, it is essential you know what you are
dealing with, and how to handle the case. Debt lawsuits can be expensive, and if
you do not answer in a timely manner this can open up other avenues for debt
collection, such as wage garnishment and taking funds directly from your
account. If you have noticed a debt collection lawsuit from P and B Capital
Group, you may wonder if this is a legitimate company and how to respond. Here's
everything you need to know about P and B Capital Group and how to beat them in
court.


ANNULMENT VS. DIVORCE – WHAT'S THE DIFFERENCE?

The end of a marriage can be a stressful and drawn-out process. Sometimes it's
amicable, but often it's not. Even when both spouses can work together, there
are an overwhelming number of legal considerations you'll have to make decisions
about. When spouses are warring, the process is even worse.


STOP CALLS FROM 800-846-6406

Have you received a call from 800-846-6406? Wondering who they are? 800-846-6406
is a number for GS Services, a debt collection agency located in Houston, Texas.
It is the largest private outsourcing call center provider and debt collection
agency in North America. Over 7,500 employees work for GC Services and are
trained on pressuring consumers to pay their student loans, but they also deal
with all types of debt.


CAN I RENT AN APARTMENT IF I HAVE DEBT IN COLLECTION?

Having some debt is almost inevitable; it's part of life. However, when you're
dealing with a delinquent account, things can get a little bit complicated. It's
challenging to convince a prospective landlord that you'll be a reliable tenant
when you're already behind in existing debts. All hope is not lost, though.


HOW TO BEAT ELLINGTON AND ASSOCIATES COLLECTIONS

Multiple calls, emails, or voicemails from debt collectors can be frustrating
and lead to financial and emotional stress. Ellington and Associates Collections
is one such debt collection agency that aggressively contacts consumers to clear
their debt.


HOW TO BEAT US BANK COLLECTIONS

Debt collectors cause consumers prolonged stress with their endless requests to
pay off debts. US Bank Collections is no exception, as they have a whole
department dedicated to aggressively seeking consumers to pay money they owe.


STOP CALLS FROM 800-278-2420

Debt collectors are known to be highly aggressive. Enhanced Recovery Company,
LLC (ERC) collection agency irritates consumers with their persistent and
misplaced calls, unrecognized debts, unprofessional staff, and harassing
tactics.


HOW TO BEAT CARDWORKS

CardWorks Servicing is one of the most confusing debt collection companies to
deal with. Aside from the insistent calls, most consumers are never sure whether
CardWorks is a bank, a third-party debt collection agency, or another party.


HOW TO BEAT CLIENT SERVICES, A DEBT COLLECTOR

The American debt collection industry is booming with no sign of slowing. Over
7,000 collection agencies, valued at $18.8 billion, reap roughly $13.4 billion
in annual revenue. Your creditor will probably contact you if you fall behind on
a bill for the first time. If the account goes unpaid for a while, it's often
transferred to a debt collector. One of these collection agencies is Client
Services, Inc., commonly referred to as CSI.


HOW TO BEAT JPMCB CARD

The sight of an unknown credit account on your credit report can be very
unsettling. Even more worrying is the thought that it could be ruining your
credit score, or worse, a case of fraud. So it's understandable to be concerned
about a JPMCB account on your report.


HOW TO BEAT SOUTHWEST CREDIT GROUP

A phone call from a debt collector can be terrifying and frustrating. Collectors
use aggressive means to get consumers to settle a debt they may not even know
about. They may also use illegal tactics to compel them to respond without
verifying the debt. Southwest Credit Systems (SWC Group) is no exception. SWC
Group is a Texas-based third-party debt collection agency that manages billions
of dollars in receivable accounts in the following industries.


HOW TO BEAT CCB CREDIT SERVICES

Some creditors use a third-party collection agency to help them get their money
back from consumers who have fallen behind on their payments. It's challenging
to deal with the collectors, especially if you cannot pay up during the initial
demand. However, debt collectors are obligated by law to respect your rights
when interacting with you.


WHAT IS A MOTION TO SUPPRESS?

A Motion to Suppress is a formal request made by a defendant to exclude certain
evidence in a case during trial. The motion is filed with the court and
considered by the judge. A hearing where the parties can make arguments for, or
against, the motion may be necessary.


STATUTE OF LIMITATIONS—DEFINITION AND EVERYTHING YOU NEED TO KNOW

A statute of limitations is the law that sets the maximum amount of time one
party has to seek legal action against another party from the date of the
alleged offense. The main goal of the statute of limitations is to protect
defendants from unfair prosecution. The law assumes that after a certain time
has passed from the date of the alleged offense, relevant evidence regarding the
offense may have as well been lost.


PLAINTIFF VS DEFENDANT — WHAT'S THE DIFFERENCE

In a civil case, a plaintiff is the party that brings legal action or in whose
name such action is brought. The defendant is the party targeted by the legal
action filed by the plaintiff. This article discusses the key differences
between plaintiffs and defendants in debt collection lawsuits.


WHAT IS THE STATUS OF MY CASE?

The United States judicial system provides different options for residents to
check the status of their cases. For example, if you have a case in court, you
can track its progress at the state or federal level. The Public Access to Court
Electronic Records (PACER) service is widely used at the federal level. At the
state level, the procedure varies from state to state. We've included a list of
statewide case lookup tools for all available states. You can search for your
case if it's at a state level here. If there is no lookup tool for your state,
try looking up your county search tool. If it's on a federal level, check with
PACER.


HOW TO BEAT AARGON AGENCY INC

If you have an overdue debt that you have postponed to pay, do not be surprised
if Aargon Agency Inc contacts you. Aargon Agency Inc is a debt collection
company that has been in business for over 26 years. They may call multiple
times a day, send you several emails, or leave countless voicemails, all in the
hopes of getting you to pay off your debt.


HOW TO BEAT COAF

Whenever you request your credit report from the major credit bureaus, you hope
everything is in order. You also hope to recognize every account in your file.
From time to time, though, some unknown accounts sneak up on you.


HOW TO BEAT ZWICKER & ASSOCIATES

Zwicker & Associates PC is not your usual debt collector. They are a law firm
that specializes in debt collection, which is a nightmare for consumers. Dealing
with Zwicker can be overwhelming, but you can succeed. Know their strategy and
protect yourself.


HOW TO RESPOND TO A SUMMONS FROM VANSLAM, INC

If you have received a message from VanSlam, Inc. then you are most likely being
sued for debt. Being sued is a stressful experience, but you don't have to deal
with the lawsuit on your own. SoloSuit can help you represent yourself in court,
which saves you the time and cost of finding an attorney. You don't have to
surrender to a debt collection lawsuit—fight back today and win in court! Here's
how.


SAMPLE CREDIT REPORT DISPUTE LETTER

What happens if you notice an error on your credit report? The mistake won't go
away by itself. When you notice an error, you need to file a dispute with the
credit reporting agency. Errors on your credit file can affect your overall
credit health and should be rectified as soon as possible.


HOW DOES NAVY CREDIT DEBT FORGIVENESS WORK?

It's a life-changing experience to join the US armed forces. A career in the
military provides opportunities and experiences that few jobs can match, but it
is a challenging life that requires sacrifice and courage. Enlisting for
education opportunities during service and after returning to civilian life is
attractive for many people who consider enlisting.


WHAT IF I DEFAULT ON AN AVANT PAYMENT

Avant is an online lending platform that provides access to credit through a
quick and easy application process and enables loans to be managed online
conveniently. The loan servicer was founded in 2012 to lower borrowing costs and
barriers for everyday people by using data to streamline the online borrowing
process. Avant offers the option of checking your interest rate online without
affecting your credit score, as well as quick funding, often as soon as the next
business day. The loan and payment management application is available on a
mobile device.


HOW TO BEAT KEYBANK STUDENT LOANS

KeyBank promises to provide excellent services and reasonable interest rates
when getting a student loan. For some customers, this is not the case as KeyBank
has received countless complaints and negative reviews for their harsh
treatment, exorbitant interest rates, unfair late fee charges, and outrageous
overdraft fees.


DEFENDANT - DEFINITION AND EVERYTHING YOU NEED TO KNOW

In debt collection lingo, a defendant is an individual or entity being sued over
a debt. The person or entity filing the debt collection lawsuit is referred to
as a plaintiff. In this article, we'll cover everything you need to know about a
defendant in a debt collection lawsuit, covering their rights, legal options,
and so much more.


PLAINTIFF - DEFINITION AND EVERYTHING YOU NEED TO KNOW

A plaintiff is an individual or party that files a lawsuit. For example, in debt
collection, the plaintiff is usually the creditor, debt collection company,
organization, or any other entity the defendant owes money to. In this case, the
defendant is the party being sued by the plaintiff.


HOW TO BEAT WESTWOOD FUNDING IN COURT

If you have ever needed money fast, you may have looked into a loan from
Westwood Funding. Although this can get you the money you need upfront,, it can
eventually lead you to being in more debt than before. If you are unable to pay
your debt, Westwood Funding may end up suing you in court.


HOW TO BEAT A LAWSUIT FROM A DEBT COLLECTOR

If you find yourself as the defendant in a lawsuit filed by one of your
creditors, you are not alone. Millions of Americans find themselves in this
exact situation every year. So, despite the nerve wracking aspect of being
served with a Summons about an impending court date, you do not have to go
through this alone.


STOP CALLS FROM 888-899-4332

Are you getting multiple calls from 888-899-4332? Do they ignore your request to
stop calling? Probably because 888-899-4332 is the phone number of Transworld
Systems Inc (TSI), a debt collection agency. Transworld Systems works with
individuals, large organizations, and companies to help them collect outstanding
debts from consumers.


DEBT COLLECTION AGENY LIST (2022)

The United States has over 7023 debt collection agencies. The $18.8 billion
industry generates more fraud reports to the FTC than any other industry does.
Abusive debt collection practices hurt financially vulnerable consumers. Often,
consumers pay collectors money they don't owe, falling deeper into debt.


THE PROS AND CONS OF CHAPTER 13 BANKRUPTCY

Imagine if you could free yourself from unmanageable debt. Can you picture what
your life would be like if you could regain your financial health? Filing for
bankruptcy might be the answer. You can recover your financial stability.


MEDIATION - DEFINITION

In the United States, there are many federal and state laws that govern
mediation. These laws are complex, but they regulate the relationship between
mediation and the regular trial. Although alternative dispute resolution methods
have been around for a while, mediation has changed over the years. More
specifically, it's changed from an authoritative trial to dispute settlements.
Here's everything you need to know about mediation.


WHY IS THD/CBNA ON MY CREDIT REPORT?

THD/CBNA is one of the codes that appear on your credit report when you apply
for a Home Depot credit card issued by Citibank. The acronym stands for The Home
Depot/Citibank North America and may also appear as CBNA/THD. Here's all you
need to know about this code.


SUED BY D&A SERVICES? WIN.

If you are months or more past due on a debt, your creditor may assign or sell
the debt to a third-party debt collection agency. At this time, the debt
collector may purchase your debt and then work to collect the debt or be paid to
collect on the debt. If you do not pay off the debt, you may find yourself in
court. If you are being sued for debt by D&A Service and not sure how to
respond, you can follow the steps below to win.


HOW TO BEAT NATIONAL RECOVERY SOLUTIONS IN A DEBT LAWSUIT

If you're being hounded by a debt collection company like National Recovery
Solutions, you may be feeling anxious and uncertain about your financial future.
This is perfectly understandable. Most people do not anticipate receiving
multiple threatening calls and letters from an aggressive debt collector.


HOW TO SEND SANTANDER A SETTLEMENT LETTER

A credit card can put you in a vicious cycle of debt and tremendous financial
stress. If you're unable to clear your outstanding balance on your Santander
credit card, you may want to consider negotiating a debt settlement.


HOW TO BEAT FIRST PROGRESS

Getting credit can be a chicken-and-egg scenario. You can't get credit cards and
loans if you have bad credit or no credit, but you can't build your credit
without a credit card or loan. Secured credit cards, like First Progress, are a
win-win: the lender takes almost no risk, and you build your credit history.


HOW TO IDENTIFY FAKE AND ABUSIVE DEBT COLLECTORS

While genuine debt collectors are simply doing their job, some debt collection
practices are unfair or even illegal. Even if you owe some debt, no one has the
right to mistreat you in an attempt to collect a debt. Debt collectors are bound
by the Fair Debt Collection Practices Act (FDCPA) laws. The FDCPA protects
consumers, like you, from harassment and abusive debt collections practices.


HOW TO BEAT CARMEL FINANCIAL/NEW COAST DIRECT

Have you gotten a call, text, or email from someone claiming to be a Carmel
Financial debt collector? Do they insist you have an unpaid loan or credit card
balance you are unaware of? Have they demanded immediate payment and threatened
to file a lawsuit? You are not alone.


HOW TO DISPUTE A RENTAL COLLECTION

Without the time and expertise to chase after a debt, a landlord can hire a
collection agency. While a collection agency may assist the landlord in
collecting from a judgment, it rarely limits its clients to judgment holders.


HOW TO BEAT DISCOVER COLLECTIONS

Is Discover Collections giving you a headache with constant calls, voice
messages, and never-ending emails? Did you know Discover has no legal authority
to harass you? Regardless of the debt you owe and the time that has elapsed, The
Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB)
protect you from harassment and unfair treatment by debt collectors.


WHAT ARE THE DIFFERENT TYPES OF DEBT?

Debt comes in many shapes and sizes, and not all are bad. In short, debt is
simply borrowing money and repaying it, and loans are classified according to
their purpose. Secured, unsecured, revolving, and installment debt are the most
common. Some of these overlaps, as you'll see below.


HOW TO MAKE A SETTLEMENT OFFER TO NAVIENT

It's possible to negotiate a settlement with Navient over your student loan.
Even though there's no guarantee that Navient will accept your settlement offer,
it's always worth giving it a try. This article discusses all you need to know
about making a settlement offer to Navient.


WHAT IS SYNCHRONY BANK'S HARDSHIP PROGRAM?

Synchrony Bank's Hardship Program is a credit repayment plan that helps account
holders manage a difficult financial situation. The bank is renowned for issuing
retail credit cards for popular brands like PayPal, Walmart and Amazon.


HOW TO BEAT RESURGENT CAPITAL SERVICES AND LVNV FUNDING

If you've received a call from Resurgent Capital Services or LVNV Funding
regarding a debt you supposedly owe, it's always necessary to know how to
respond. This article discusses everything you need to know about beating these
two debt collection agencies and securing a significant victory in your journey
to a debt-free life.


HOW TO GET OUT OF A RISE LOAN

RISE loans are usually designed for individuals with bad credit or those who
don't qualify for loans from a traditional bank or online lender. For this
reason, RISE loans are usually taken during emergencies. This is because they
have very high interest rates, usually higher than regular payday loans. So, if
you're wondering how to get out of a RISE loan, this article covers everything
you need to know.


HOW TO BEAT IC SYSTEM IN COURT

Paying bills is a necessary evil of life. If you happen to get behind on your
bills, due to job loss or another setback, it can greatly impact your pay
schedule. After a certain number of missed payments, you may have debt
collectors coming after you. One of those debt collectors might be IC System
Inc.


SUED BY MONARCH RECOVERY? HOW TO WIN.

Monarch Recovery Management is a collection agency based in Bensalem,
Pennsylvania. Founded in 1973, they have grown to over 300 employees. If you
have been notified that you are being sued by Monarch Recovery Management, it is
very important to respond to the lawsuit. If you do not, then you may have a
judgment placed against you. This can be serious and cause more harm.


BEAT AMERICAN CORADIUS INTERNATIONAL IN COURT

American Coradius International (ACI) is a financial service agency that
frequently represents banks and finance companies. ACI is a third-party debt
collection agency, which means that it is required to abide by the Fair Debt
Collection Practices Act (FDCPA). This is a federal law that protects consumers
from abusive debt collection tactics. If you believe you have been harassed by
ACI, then you need to learn your consumer rights to increase your chances of
beating American Coradius International in court.


WHAT DOES FCRA STAND FOR?

FCRA stands for Fair Credit Reporting Act. According to this act, the law
requires that consumers' credit information is accurate, protected, and used
fairly.


BEAT FIRSTSOURCE ADVANTAGE IN COURT

If you are being sued by a debt collector, it is important to act as quickly as
possible. Winning a debt collection lawsuit is possible, but your chances of
winning are much greater if you can find the cracks in the opposing party's
case. This involves taking a close look at the court Summons and Complaint and
responding with information that will build you the strongest case. You can beat
Firstsource Advantage in court, and this is a brief guide on how to do it.


WHAT IS CBNA ON MY CREDIT REPORT?

You may notice a new account listed under CBNA on your credit report if you've
recently applied for a new credit card. In that case, you don't need to worry;
it indicates that there's a hard inquiry into your credit history. However,
suppose you haven’t applied for a loan or credit card recently, and you notice a
CBNA on your report. In that case, you need to investigate the entry to avoid
future financial problems and a damaged credit report.


HOW TO SETTLE WITH NCB MANAGEMENT SERVICES

Debt collection companies like NCB Management Services usually don't favor the
idea of a lawsuit when consumers fail to pay what they supposedly owe. This is
because lawsuits are hectic and time-consuming. When debt collection agencies
contact you, they hope to settle the debt out of court by creating a payment
plan that works for both parties.


WHAT DOES “MEETS FCRA REQUIREMENTS” MEAN?

The FCRA requirements are related to the Fair Credit Reporting Act (FCRA). This
primary federal law regulates how consumer reporting agencies may use consumer
information. The Fair Credit Reporting Act is a federal statute initially passed
in the 1970s, with the current version being enacted in 2003.


STOP CALLS FROM 888-912-7925

Everyone experiences annoying calls from random numbers and, if you dare answer,
the odds are high that you will find a pre-recorded, robocall message on the
other end. Hundreds of people around the country receive calls from
888-912-7925. If you try calling the number yourself, you'll receive a
pre-recorded message stating that "the person at extension blah blah blah is not
available. Please leave a message at the tone."


HOW TO BEAT USAA COLLECTIONS

The United Services Automobile Association, or USAA Federal Savings Bank, is
headquartered in San Antonio, Texas. Their services include insurance, banking,
credit cards, auto loans, investments, and retirement planning for millions of
military personnel and their families.


SUED BY AMERICOLLECT? WIN IN COURT

Even though Americollect claims to be ridiculously nice, respectful, and treats
debtors with dignity, there's nothing good about medical debts. Unpaid medical
bills can accumulate into thousands of dollars within a short period. No one
needs the stress of medical debt added to the worry of a hospital visit.


HOW TO BEAT FREEDOM PLUS

Feeling like you work at a call center because your phone is ringing off the
hook with calls from debt collectors really sucks. If you genuinely owe them
money, you're already stressed just trying to get your finances in order so that
you can pay up in good time. If you don't recognize the debt, it gets even more
frustrating. Sometimes, alleged debt collectors ask you to pay more than you owe
or money you don't owe at all.


HOW TO BEAT RADIUS GLOBAL SOL

A natural reaction to a call and a letter from any collection agency is denial
or indifference. Neither approach is practical. Even small or old debt can stick
with you for years, resulting in annoying calls and communication from debt
collectors and potential damage to your credit score.


WHAT IS DISCOVER'S 60/60 PLAN?

When you can't afford to pay your Discover credit card debt, you may consider
other unfortunate options like filing for bankruptcy. Although this option
completely wipes away your debts, it comes with severe consequences. Filing for
bankruptcy will remain on your credit score history for up to seven years.
During that time, you may have difficulty securing loans or even housing.


BEAT NATIONAL ENTERPRISE SYSTEMS IN COURT

National Enterprise Systems is a debt collection agency in the United States,
mainly servicing the East Coast. When suing you for a debt, National Enterprise
Systems will do everything in its power to ensure they collect that debt.
Understanding who National Enterprise Systems is and your rights under the Fair
Debt Collection Practices Act can help you beat National Enterprise Systems in
court.


MAINE STATUTE OF LIMITATIONS ON DEBT

Here's the thing: nothing lasts forever, not even debt. If you've been sued for
a debt in Maine and you think the statue of limitations has expired, use
SoloSuit to fight the lawsuit and assert the statute of limitations properly.


MAKE STEPHEN EINSTEIN VALIDATE A DEBT

If Stepehen Einstein is coming after you for a debt, send a Debt Validation
Letter to get them off your back.


MAKE SOLOMON AND SOLOMON PC VALIDATE A DEBT

If you have not received information stating the amount and nature of your debt
from Solomon and Solomon PC within ten days of their initial contact with you,
you have a right to request a debt validation to avoid paying a debt you don't
owe.


WHAT IS SEWER SERVICE?

When it comes to being served with a debt collection lawsuit, there are measures
in place that need to be upheld. One such measure is the proper service of court
documents to the opposing party. In the realm of civil litigation, sewer service
is the term used to describe failing to serve a notice of complaint on a debtor.


HOW TO BEAT A CENTRAL MEDIATION SERVICES PHONE CALL

Receiving a call from Central Mediation Services demanding you pay an
outstanding debt causes incredible stress. Beating a Central Mediation Services
phone call involves finding out if the call is legitimate, what company you are
dealing with, and knowing the tricks Central Mediation Services uses by reading
their consumer complaints.


HOW TO FILE A MOTION TO ENFORCE SETTLEMENT AGREEMENT

Most debt collection lawsuits settle before going to trial. When that happens,
both parties agree to sign a settlement agreement. A settlement agreement is a
legally binding written document showing that both parties have agreed to a
particular outcome to settle the lawsuit.


DO I NEED A LEGAL COACH?

If you are considered a legal coach, it may be due to being in debt or having
other run-ins with the legal system. If you are being sued for debt
specifically, you may want to consider a legal coach if you feel that you are
not prepared, or have no idea what to expect.


CREDIT CARD DEBT FORGIVENESS BECAUSE OF DISABILITY

Life can be very difficult for those with a disability, and if you find yourself
in debt it can get a lot worse. If you are living every day with pain, then you
may have a way out of your distressful credit card debt.


HELP! A DEBT COLLECTOR IS CALLING MY WORK

If a debt collector is calling about your debts then it is most likely because
you have not made all of your payments. Once a debt goes into default, a
creditor may attempt to hire a debt collector to collect that debt.


AM I RESPONSIBLE FOR MY PARENT'S DEBT IF I HAVE POWER OF ATTORNEY?

A power of attorney grants you the responsibility to make important decisions on
behalf of your parents if they're incapacitated or can no longer manage their
affairs. So if you're wondering whether you're responsible for your parent's
debt because you have power of attorney, this article explains everything you
need to know.


WHAT HAPPENS IF A TENANT WINS AN EVICTION LAWSUIT?

When you rent your property, you expect the tenants to treat the space with the
respect it deserves and adhere to the lease agreement. Unfortunately, this is
not always the case. Some tenants will knowingly break the lease agreement
terms, leaving you with no choice but to pursue eviction.


DO I NEED A LAWYER TO FIGHT MEDICAL BILL DEBT?

Although it's better to have a competent lawyer help you fight a medical bill
debt, given how complicated they can be, you don't necessarily need one. Here's
everything you need to know if you've been sued for a medical bill debt.


HOW TO FILE IN OAK GROVE COURTHOUSE

Located in Missouri, The Oak Grove Courthouse is a Municipal Court that presides
over all traffic-related and city ordinance violations cases filed by the Oak
Grove Police Department.


ALASKA STATUTE OF LIMITATIONS ON DEBT

According to Wallethub, Alaska has the least sustainable credit card debt in the
United States. If you've fallen behind in your financial obligations, it's best
to learn more about debt relief options to get creditors and debt collection
agencies off your back.


HOW TO FILE IN OREGON SMALL CLAIMS COURT

In Oregon, debts worth $10,000 and below are filed at the small claims Circuit
and Justice Courts. These debts are often resolved without the help of a lawyer.
Therefore, it's important to understand how to effectively represent yourself in
court if served with a small claim complaint in the state.


HOW TO FILE A MOTION TO EXTEND TIME

It's normal to panic when served with a debt collection lawsuit. However, did
you know that you can file a motion to extend the time to answer the summons and
complaint from the plaintiff? Read on for more details.


WHAT IS A CASE NUMBER?

If you're unable to repay your debt and debt collectors exhaust other means of
trying to get you to pay the debt, they'll most likely resort to filing a
lawsuit against you. After filing the debt collection lawsuit, they'll serve you
with a summons and complaint letter about the debt. You'll need to provide an
answer to the court within a set period or risk losing the case by default.


WHAT TO DO ABOUT A DISPUTED DEBT

If a debt collector contacts you about a debt you're unsure about, you have the
right to dispute it and ask the collector to verify that you owe the debt.


ILLINOIS STATUTE OF LIMITATIONS ON DEBT COLLECTION

Have you received a debt collection Summons and Complaint about an old debt in
Illinois? If your Answer is yes, it's about time to plan how to respond to the
lawsuit, avoiding a default judgment in the process. A lawsuit is often the last
resort debt collectors or creditors opt for while recovering delinquent debt.


STATUTE OF LIMITATIONS ON DEBT IN CONNECTICUT

A creditor or debt collector can file a complaint against a debtor for unpaid
debts within a specified period. This period is usually referred to as the
statute of limitations. It varies from one state to another depending on the
type of debt or contracts from which the debt arises.


DELAWARE STATUTE OF LIMITATIONS ON DEBT

Consumer reports suggest that more than one in every three Delawareans has a
consumer debt in its collection stages. If you fall into this category and
you're facing a collection lawsuit, read on for more details.


NATIONAL DEBT RELIEF SCREWED ME — WHAT TO DO NEXT

Debt settlement may seem like a good option when you find yourself overwhelmed
by several delinquent debts. When you're in such a desperate state, you can
easily buy into the promises of a debt relief company such as the National Debt
Relief.


STATUTE OF LIMITATIONS ON DEBT IN MINNESOTA

If you've been sued over old debt in Minnesota, don't give up on the case; you
have a great chance of winning the lawsuit. This is because ignoring the lawsuit
could cost you more financial stress, especially if the court awards the debt
collector a wage garnishment order to collect part of your wages until the debt
is cleared.


STATUTE OF LIMITATIONS ON DEBT IN HAWAII

Away from the sandy beaches and tropical climate Hawaii is famous for, the state
has one of the highest consumer debts in the country. So if you're struggling
with your credit card loan, mortgage, or student loan, you're not alone; a huge
number of Hawaiians are seeking solutions to debt and financial problems.


LOUISIANA STATUTE OF LIMITATIONS ON DEBT

A statute of limitations is the time limit a creditor or a debt collector has to
file a debt collection lawsuit for an unpaid debt. When this period expires, the
collector can't use any legal actions against a debtor, although they can
continue with other debt collection tactics outside court.


STATUTE OF LIMITATIONS ON DEBT COLLECTION IN TEXAS

Also known as The Lone Star State, Texas has one of the fastest-growing
economies in the country. However, the burden of debt continues to haunt many
families in the state. If you live in Texas and have been sued over old debt,
it's important to understand the state's debt collection laws and how to respond
to a collection summons in case of a lawsuit.


COLORADO DEBT COLLECTION STATUTE OF LIMITATIONS (COMPLETE GUIDE 2021)

If you're facing a debt lawsuit in Colorado and you don't know what to do, then
you're at the right place. First, you'll need to know whether or not the debt
collector has the legal right to sue you. If the debt is old and you barely
remember anything about it, chances are that it's time-barred.


STATUTE OF LIMITATIONS ON DEBT IN CALIFORNIA (2021)

Creditors in California have only four years to sue debtors for most types of
unpaid debts. However, it's important to understand a few exceptions to this
period if you face a debt collection lawsuit in the state. Here's everything you
need to know.


SAMPLE ANSWER TO SUMMONS FOR CREDIT CARD DEBT LAWSUIT

When you've been sued over a credit card debt, the plaintiff usually hopes that
you'll ignore the lawsuit. Unfortunately, ignoring the lawsuit means the court
will pass a default judgment against you, awarding the plaintiff legal authority
to pursue other debt collection methods such as wage garnishment to recover the
amount you supposedly owe.


ARE YOU PERSONALLY LIABLE FOR YOUR BUSINESS DEBTS?

Must owning a business mean being personally liable for its debts? Learn steps
you can take to avoid putting your personal assets at risk.


SUED BY FIRST FINANCIAL BANK – HOW TO WIN

Millions of Americans suffer from debt, and if you have a past due credit card
debt of your own, you might feel like all hope is lost, but this is simply not
true. Debt collections are common but can lead to negative consequences.


LEGAL SUPPORT SERVICES FOR DEBT COLLECTION

When dealing with debt collectors you may feel like everything is against you
and that you are at a disadvantage. So for anyone who is struggling with debt
but does not have money to pay an attorney to represent them, it is important to
know that legal support services for debt collection are available. Oftentimes
these can be found at low, or no cost.


MICHIGAN STATUTE OF LIMITATIONS ON DEBT

Debt collectors employ various tactics to recover what you supposedly owe them.
Such measures include lawsuits, frequent calls, emails, and letters, which can
be frustrating to deal with.


MISSOURI STATUTE OF LIMITATIONS ON DEBT

Creditors usually begin the debt collection process 30 days after a payment's
due date has passed with no payments made by the debtor. At this point, you may
start receiving numerous calls, letters, or emails from the creditor.


DOES MIDLAND FUNDING SHOW UP TO COURT?

If you are being sued by Midland Funding for debt, it may also appear on your
summons as Midland Credit Management? You have most likely received notification
of a lawsuit or bill from one of these companies, or a collection agency. If
this is the case, you need to respond.


DON'T MAKE A PAYMENT TO ARNOLD SCOTT HARRIS

Arnold Scott Harris, P.C. is a lawyer who acts as a debt collection agency. This
agency is known for its consecutive robocalls and debt collection calls to the
wrong consumer. They have been given a one-star rating by the Better Business
Bureau, and for good reason.


READ THIS IF YOU'RE BEING EVICTED WITH CHILDREN

It can be an extremely difficult time if you cannot pay your bills and need to
support your children. As of recent months, millions of families are facing the
threat of eviction due to the rent moratoriums ending, and the declining
economy.


HOW DO I GET RID OF A JUDGMENT LIEN ON MY PROPERTY?

If you are being sued for a debt, you have to at least file an answer in time.
If you didn't, you will get a default judgment against you, and that means that
the judge will decide in favor of the debt collector suing you. If you don't
make any payments after the default judgment, the debt collector may ask the
judge to put a lien on your property.


STATUTE OF LIMITATIONS ON DEBT IN PENNSYLVANIA

If a debt collector sues you over old debt, you might be wondering what actions
to take next. Although it might be tempting to ignore the lawsuit, especially if
the debt is time-barred, you'll still need to file an Answer.


WYOMING STATUTE OF LIMITATIONS ON DEBT COLLECTION

Wyoming is among the top 10 hardest-working states in the US. However, some
residents of the Cowboy State still find themselves in debt in one way or
another, prompting debt collectors to attempt multiple debt-recouping
strategies. But like other states, Wyoming also has laws that govern debt
collection, including the statute of limitations on different types of debts.


WHAT TO DO IF A DEBT COLLECTOR SUES YOU

If you are in debt and cannot pay it, then a debt collector may eventually sue
you to recoup their debt. If this has happened to you, you must respond. If you
do not then you may have your wages garnished or money taken directly from your
bank account. Knowing your rights will ensure that this does not happen to you.


I'M IN DEBT WITH NO JOB AND NO MONEY – WHAT TO DO

If you are suffering from debt and you are unemployed with no savings, it can be
very stressful. Although you might feel hopeless, you have options. One of these
options could be a credit card, but this is usually a bad idea.


CAN CREDIT CARDS GARNISH WAGES?

If you are unable to pay your credit card bills it might feel overwhelming and
you may want to just stop paying. This is the worst thing you can do because the
debt and interest will only rise.


HOW TO FILE IN JOSEPHINE COUNTY COURTHOUSE

The Josephine County Courthouse was created by the Territorial Legislature on
January 22, 1856. Probate court is often seen here, and in the state of Oregon,
the Circuit Court is the level of the court responsible for matters of probate.


WHAT IS THE PHONE NUMBER FOR IQ DATA?

I.Q. Data International, Inc., also known as Assurant Recovery Solutions, is a
debt collection agency that is located out of Washington state. If you have seen
them listed on your credit report then you will know that they have reported
this delinquent account to the credit bureaus. This is common if you forget to
pay a bill.


WHAT IS ALLIED INTERSTATE'S PHONE NUMBER?

Allied Interstate is a subsidiary of iQor, Inc. They are known for intervention
solutions for 1st party collections, 3rd party collections, attorney
collections, and bankruptcy collections. They have over 12 different call
centers around the United States and have over 10,000 employees.


WHAT TO DO IF YOU'RE DELINQUENT ON DEBT

Most creditors will declare your account the moment you miss a payment, you will
also most likely get a grace period if you happen to forget or be a few days
late. Despite this, you need to act quickly in order to avoid fees as well as
damage to your credit score.


HOW TO USE KING COUNTY SUPERIOR COURT ELECTRONIC FILING

E-filing is an electronic system that allows both individuals and businesses to
file income tax returns through the internet and electronically. Since 2016,
there have been over 120 million tax returns filed in this manner. Efiling can
also be done to various types of documents.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NEVADA

Being sued for debt is never fun for anyone. Unfortunately, it is common because
millions of Americans are suffering from debt. If you cannot pay all of your
debts you may need to decide which debts you want to prioritize. Even if you
know that you are in default, it is never a happy day when a debt collection
lawsuit is served to you.


HOW TO GET OUT OF PAYING HOA DUES

If you are about to purchase your first condo, or you have been living in a home
that belongs to an HOA for 20 years, you most likely calculate your HOA dues
into your monthly mortgage. You knew that there was a monthly homeowners
association (HOA) fee due each month, but there are ways to get out of paying
such high dues.


CAN YOU GO TO JAIL FOR NOT PAYING STUDENT LOANS?

When you are in debt it can be stressful and a horrible experience. You might
even worry about being sent to jail for not paying your debts. Despite this, it
is usually not the case. With most debts, you cannot go to jail because you are
past due on credit card debt or student loan debt. The only time you can go to
jail for not paying your debt is due to not paying taxes or child support.


STATUTE OF LIMITATIONS ON DEBT IN GEORGIA

When it comes to carrying debt in the state of Georgia, residents are known to
be responsible for some of the most auto loan debt, student loan debt, and
credit card debt in the United States. That being said, there are limits on debt
in Georgia, and these limits pertain to the statute of limitations.


WHAT IS SUMMARY JUDGMENT?

If you are being brought to court for debt, it means that you are being sued for
not paying it. When it comes to a trial, there are typically two discussions.


STATUTE OF LIMITATIONS ON DEBT IN NEW YORK

According to the Quarterly Report on Household Debt and Credit, the total
household debt for New Yorkers in the second quarter of 2021 has reached a
record $14.96 trillion. This is partly due to the growth in mortgages, auto
loans, and credit card balances.


HOW TO WALK AWAY FROM CREDIT CARD DEBT

Credit card debt can feel like it is swallowing you whole, but if you do not pay
it, then your credit score will take a big hit. If you do not care about owning
a home, obtaining a rental lease, or being able to get a new credit card, then
you might not care about your credit score.


HOW TO STOP EVICTION LAWYERS

If you are at risk for eviction it is a serious matter. Losing the roof over
your head can be the difference between safety and security. Although laws vary
based on the state you live in, your landlord cannot just go to court and obtain
an order to evict you. There are rules, laws, and regulations that they must go
through in order to start this process.


GUIDE TO GARNISHMENT LIMITS BY STATE

If you are sued for a debt, due to nonpayment, and a default judgment is placed
against you, your wages can be garnished. The process of wage garnishment means
that a portion of your wages will be paid to the creditor in order to satisfy
your debts. Each law has different legal limits and rules surrounding this.


WHAT IS A REQUEST FOR DISMISSAL?

Dealing with debt is always stressful, but being able to understand the steps to
have your case dismissed is one of the best ways to deal with it. Although this
is not always a possibility, it never hurts to try.


NEW YORK GARNISHMENT LAWS – OVERVIEW

Every state has its own laws that govern how much a creditor is allowed to
garnish from your wages after a default judgment has been placed against you. In
the state of New York, wage garnishment laws are known as "income executions".


MISSISSIPPI STATUTE OF LIMITATIONS ON DEBT

Each state in the US has a statute of limitations on debt. This statute
indicates the time a debt collector has to file a debt collection lawsuit
against you. If the debt collector files a lawsuit outside the statute of
limitations, the lawsuit will be considered unlawful and the debt null and void.


HOW TO FIND OUT IF YOU'RE BEING SUED

Who is suing me? This might be a question you end up asking yourself, like
millions of other Americans each year. When a lawsuit is filed against you, you
should receive a Summons and Complaint (usually in the mail). These are court
documents that notify you of the lawsuit and outline how much you supposedly
owe. Despite this, you might be sued without ever knowing.


HOW TO GET A CASE DISMISSED WITHOUT PREJUDICE ON STATUTE OF LIMITATIONS

When it comes to a debt collection case there are many terms to learn and
processes to understand. Although you might feel like there is no way out of
debt, there are often ways to get around being forced to pay the full amount
that you owe. Whether this is through settlement, paying a lump sum, or even
because of laws listed in the statute of limitations.


NONSUIT VS DISMISSAL IN A DEBT COLLECTION LAWSUIT

If you are involved in a debt collection lawsuit then you may have heard a lot
of different legal terms thrown around. It can be stressful and extremely
confusing, especially if you are not using a lawyer.


STATUTE OF LIMITATIONS ON DEBT IN IOWA

Debts in Iowa fall under two main categories namely: written and unwritten
contracts. Some debts, however, arise from court judgments and also have
statutes of limitations. Additionally, federal and county debts are governed
differently in the state of Iowa.


DO YOU NEED A DEBT SETTLEMENT ATTORNEY IN HOUSTON TEXAS?

Being in debt is never a wanted situation for anyone, but if you find yourself
in debt, you need to know how to deal with a debt settlement. Although you can
hire an attorney, this can be expensive.


CAN YOU STOP A GARNISHMENT ONCE IT STARTS?

If you are faced with a wage garnishment, then bankruptcy might seem like it is
your only way out. This is a thought process shared by many, but it is not the
truth. There are a few things you can do in an attempt to prevent a creditor
from garnishing your wages.


STATUTE OF LIMITATIONS ON DEBT IN OREGON

It is important to understand the statute of limitations on debt in Oregon if
you have been sued over a particular debt in this state. In Oregon, debt
collectors are required by law to register with the Oregon Department of
Consumer and Business Services and also comply with state and federal fair debt
collection laws.


STATUTE OF LIMITATIONS ON DEBT IN MARYLAND

If you are a resident of Maryland and have been sued for a particular debt you
supposedly owe, it's imperative to learn more about the state's statute of
limitations on such debts. Understanding the statute of limitations is vital in
drafting the best response to a debt collection lawsuit.


DO I NEED A LAWYER FOR MEDICAL BILLS?

When medical debt is sold to collections, it is because a collection agency has
either purchased the debt or been hired to collect the debt by the original
creditor. Typically this debt will then be reported to one, or all, of the three
credit bureaus: Experian, TransUnion, and Equifax.


HOW TO DEFEND YOURSELF IN COURT

If you are being charged with a crime then typically it is not a good plan to
defend yourself in court. Despite this, there are exceptions, and a debt case is
one of them. If you believe that you are innocent and do not need a lawyer, or
you simply cannot afford one, then you need to look into building the best
defense possible.


WHAT PERSONAL PROPERTY CAN BE SEIZED IN A JUDGMENT?

If you find yourself with mounds of debt and are unable to pay them off, you may
end up being taken to court. If you do not respond, or you simply lose your
case, then a judgment will be placed against you. Having a judgment placed
against you means that the creditor will have legal means to garnish your wages,
bank accounts, and property.


STATUTE OF LIMITATIONS ON DEBT IN NEVADA

Every state has its statute of limitations on different types of debts or debt
collection scenarios. If you've been sued over debt in Nevada, it's important to
know your rights. This information will help you submit the most suitable answer
to the lawsuit.


CAN YOU GO TO JAIL FOR CREDIT CARD DEBT?

If you are unable to pay your credit card debts then you might be stressed and
anxious. Although credit card debt can wreak havoc on your life, you do not
necessarily need to be worried about serving jail time for unpaid debts.


KENTUCKY DEBT COLLECTION LAWS — WHAT YOU NEED TO KNOW

Every state has a different set of laws as well as a statute of limitations when
it comes to debt collections. In Kentucky, the average household debt is below
the national average, but default rates are higher than the national average.
Default is considered being at least 90 days late on payments.


HOW TO AVOID GETTING SERVED

Being served with process means that you are being taken to court. When it comes
to debt, it means that you have defaulted on your payments and a debt collector
or creditor is attempting to bring you to court to force you to pay.


WHAT IS A RULE 3.740 COLLECTIONS DEFENSE IN CALIFORNIA?

You may not know what to do when the debt collector knocks on your door
demanding a loan payment. But you're not alone in this; according to a report by
Pew Charitable Trusts, the number of Americans sued for not paying their debts
has risen in recent years.


HOW TO FIGHT A WAGE GARNISHMENT

Losing your hard-earned income to a debt collector is very stressful and can
significantly change your life. This is unfortunate, especially if you barely
make enough to support yourself, let alone your family. However, you can still
stop a debt collector from garnishing your wages without outrightly filing for
bankruptcy.


SHOULD I PAY OFF AN OLD APARTMENT DEBT?

Statistics show that 5.7 million households in the US have an overdue rent
payment, also known as rent arrears. If that's what you're experiencing at the
moment, how you plan to deal with this debt will influence your credit report,
even though rent payments are generally not reported to the credit bureaus.


SAMPLE MOTION TO COMPEL ARBITRATION

A motion requests the court for a specific ruling, direction, or order. One such
motion is the motion to compel arbitration. You can compel arbitration as long
as you have a valid and enforceable written agreement to force the other party
to submit the dispute to arbitration.


HOW TO FILE IN MONMOUTH COUNTY COURTHOUSE

A debt collection summons isn't always the greatest news any borrower would like
to receive. Sometimes though, debt collectors have no choice but to seek legal
action against a delinquent borrower. If you've been sued in Monmouth County,
New Jersey, this isn't the time to panic; you just need to know how to file your
Answer on time to stand a chance of having a fair hearing.


CAN PAYDAY LOANS GARNISH YOUR WAGES?

Payday loans are meant to be paid back within a short period, usually on the
borrower's next paycheck. However, things don't always go as planned for the
borrower, forcing them to forfeit payment. In addition, since these loans are
often high-interest loans, they can quickly turn into huge debt due to penalties
and accumulated balances.


HOW TO FILE IN BERGEN COUNTY SUPERIOR COURT

Before filing your case in court, you need to familiarize yourself with court
procedures and time limits. Also, you'll need to decide whether you'll seek the
services of an attorney or represent yourself in court. Here are some of the
general rules that apply when filing your papers in Bergen County superior
court.


AM I RESPONSIBLE FOR MY HUSBAND'S DEBTS IF WE DIVORCE?

You won't be held liable for your husband's debts after divorce except for a few
known instances. However, if you're in the middle of a divorce, or you just got
one, there's a lot you need to know about handling debts you incurred
individually or as a couple.


WHAT IS A NON-DISCHARGEABLE DEBT IN TENNESSEE?

Obtaining a Tennessee bankruptcy discharge is the best thing that can happen to
you when you file for bankruptcy in the state. However, not all debts are
dischargeable in Tennessee. For this reason, you'll need to know which debts are
dischargeable and which aren't to help you plan your finances better after
filing for bankruptcy.


WHAT IS A CERTIFICATE OF SERVICE?

When you file documents with the court, it's a requirement that you provide
copies of the same documents to the other party involved in the case or their
lawyer. To verify that you've done this, the court requires you to attach a
certificate of service at the end of the documents you file with the court.


HOW TO FILE A MOTION TO SET ASIDE JUDGMENT

If you have an unsettled debt or missed your monthly credit card payments, a
creditor may decide to file a complaint against you. The court will then send
you a summons and a copy of the creditor's complaint, which you'll then be
required to respond to by filing an answer to the court.


OBAMA CREDIT CARD DEBT RELIEF PROGRAM – HOW TO USE IT

There has been a lot of fictitious information on the internet in the recent
past about the Obama credit card debt relief program. In fact, there's no such
thing as the 'Obama Credit Card Debt Relief Program' supposedly sponsored by the
former US president. Additionally, there's no government debt relief program
that will underwrite your debts without any consequences.


CAMBRIDGE DEBT CONSOLIDATION REVIEW

If you've been looking for debt consolidation services, chances are you've come
across Cambridge Credit Counselling Corp. But what exactly is Cambridge, as the
company is popularly known, and what services does it provide?


HOW TO FILE IN MIAMISBURG MUNICIPAL COURT

Miamisburg municipal court has jurisdiction over misdemeanor crimes, municipal
ordinances, small claims cases, and city traffic violations. While law
enforcement officers usually file complaints against individuals who break the
law, citizens can also file a complaint in court.


3 WAYS TO REPAIR YOUR CREDIT WITH DEBT COLLECTIONS

Sometimes life does not quite play out the way we hope it should. Take the case
of the outbreak of the Corona pandemic in 2020. It led to the loss of income
sources due to job loss or shutting down of businesses.


DEBT SNOWBALL VS. DEBT AVALANCHE: WHICH ONE IS APT FOR YOU?

Are you overwhelmed by debt? If so, you might struggle to get out of this
situation. To help, you can opt for one of the debt payoff methods, Debt
snowball or debt avalanche.


WHAT IS SERVICE OF PROCESS IN TEXAS?

As defined by the state of Texas, Service of process is “the formal delivery of
a writ, summons, or other legal process or notice”. There are numerous Texas
statutes that designate the Secretary of State as a process agent and are able
to authorize the Secretary of State to accept service on behalf of another
person.


DOES BANKRUPTCY CLEAR MEDICAL DEBT?

Typically when someone declares bankruptcy it is a sign that things are not
going well financially. Despite this, if you are suffering from a medical
problem or sudden accident, the bills are the last thing on your mind. Instead,
you focus on getting healthy again.


OHIO GARNISHMENT LAWS — WHAT THEY SAY

If you are living in the state of Ohio and suffering from debt, you might
eventually be sued by a debt collector. In this instance, they will take you to
court and work to obtain a judgment against you. If you do not answer the
summons to appear in court, then a default judgment will be granted, and the
debt collector may be allowed to pursue wage garnishment.


HOW TO USE MONTGOMERY COUNTY E-FILING

Electronic filing, also known as e-filing, has become an efficient process for
the world to report, process, and store information. Businesses, governments,
and everyday individuals use electronic filing as a computer-based system for
storage, cataloging, and retrieving documents. Rather than storing paperwork in
a hard copy file, it is all digitized.


HOW LONG DOES AN EVICTION STAY ON YOUR RECORD?

Unpaid rent and eviction records are then entered into digital warehouses of
credit bureaus where other landlords can access them. Unfortunately, landlords
rarely rent their properties to individuals with eviction or rent nonpayment
history.


HOW TO MAKE A MOTION TO COMPEL ARBITRATION IN FLORIDA

Arbitration is a form of conflict resolution that avoids traditional court
proceedings. Instead, the parties involved in the conflict appear before one or
more arbitrators, usually out of court, where the matter is resolved with a
binding decision.


HOW TO FIND OUT WHAT COLLECTION AGENCY OWNS YOUR DEBT

If you have been unable to pay your debt, the creditor may decide to sell off
the debt to a collection agency. Other than selling the debt, they may choose to
assign it to a third-party debt collector or collection attorney but still
retain ownership of the debt account.


CAN A CREDIT CARD COMPANY SUE ME?

As of 2021, nearly half of American adults have credit card debt. If you're part
of this statistic and struggling to pay your credit card debt, you might be
wondering if the credit company can sue you for failed payments.


SUCCESSFUL TIPS ON DEALING WITH DEBT COLLECTORS DURING THE PANDEMIC

The COVID-19 pandemic and the massive economic devastation it caused have made
many people's lives even more difficult. Because of the coronavirus-driven
recession, many individuals have either become unemployed or underemployed.


CAN DEBT COLLECTORS LEAVE VOICEMAILS?

If you are suffering from debt, then you may have been approached by debt
collectors through the mail, but also through phone calls. Debt collectors must
abide by the Fair Debt Collections Practices Act (FDCPA), which places limits on
what debt collectors can do, and how they can contact you.


3 CRAZY CREDIT CARD DEBT STORIES

Debt is something that many Americans deal with. Consumer debt is at $14.96
trillion overall, with the average American debt being $92,727. Most of this
debt consists of credit card balances, student loans, mortgages, and more. The
total auto loan debt in the United States is $1.42 trillion, at an average of
$31,142 per household.


WHAT IF AN ORDER FOR DEFAULT WAS ENTERED?

If you have gone to court due to not paying your debt then you may have had a
default judgment placed upon you. This happens when you do not respond to a debt
lawsuit, and when you do not show up in court. Typically this lawsuit would be
against you from a debt collector or a creditor.


CAN I PAY A DEBT BEFORE THE COURT DATE?

If you are dealing with a debt lawsuit, it can be a stressful process.
Especially because many debt lawsuits are the result of poor financial planning,
or simply forgetting to pay a bill. If you are being sued for debt there are
many options and things to consider.


CAN YOU GO TO JAIL FOR A PAYDAY LOAN?

Did you know about 12 million Americans use payday loans annually? This comes as
no surprise, given that payday loans help fulfill the financial needs of many
working Americans who can't access traditional loans.


REGIONAL ADJUSTMENT BUREAU STUDENT LOANS – HOW TO WIN

If you are receiving calls from a debt collector then it can feel like you have
nowhere to turn. Especially if you are being pursued by an organization called
the Regional Adjustment Bureau (RAB), you most likely are behind on paying your
debt.


HOW TO WIN A COLLECT PROS DISPUTE

Collect Pros, LLC is located out of California and is a company that collects
private debts for more than 23 million companies worldwide. If you have been
attempting to remove a collection from your credit report, then you may have
gone into a dispute with Collect Pros.


SHOULD I USE MY IRA TO PAY OFF CREDIT CARD DEBT?

If you are attempting to pay off debt, you know that every extra bit you pay
towards that debt is a big help. Whether you are trying to pay off credit cards,
car loans, or student loans, debt can creep up, and interest makes it larger.


FREE LEGAL AID IN MARION, OHIO

If you are suffering from debt, there there is a way to get free legal aid in
Marion, Ohio. The best step to take is to negotiate with your creditors. This
can be a wonderful way to reduce how much you owe, lower your interest, or
change the time period in which you have to pay off your debt.


CAN A COLLECTION AGENCY CHARGE INTEREST ON A DEBT?

If you are suffering from financial troubles and are unable to pay off your
debts, debt collectors may end up calling. There is a chance your original
creditor hired a collection agency to help them recover the money, or they might
have sold the debt account to a debt buyer.


MANDATORY FORBEARANCE REQUEST STUDENT LOAN DEBT BURDEN

For anyone that is suffering from serious financial struggles, forbearance can
be an option. Essentially, a forbearance request grants a pause on paying your
student loan payments. Although this might seem like an amazing option for
someone who is struggling, it is not always what it seems.


HOW LONG DOES IT TAKE TO GET GARNISHED WAGES BACK?

If you have outstanding credit card bills and loans, it can be a scary
situation. As matters progress you may get to the point where money begins to be
taken directly from your paycheck every pay period.


HOW TO REPORT THE CANCELLATION OF A DEBT ON A 1040

The one thing that every U.S citizen, green card holder, or U.S employee has in
common is death and taxes. No one can escape death, nor taxes (legally). This
means that another thing everyone has in common is filling out the IRS 1040
form.


PCG DEBT CONSOLIDATION REVIEW

Whether you are struggling with credit card debt, student loans, or auto loans
payments can pile up and you might find yourself falling behind on debt. Debt
consolidation is one option available to help consumers, and PCG is an
institution that works to facilitate it.


WHY IS THE SHERIFF LOOKING FOR ME?

If you have a sheriff coming to your home to look for you, or you have heard the
sheriff is looking for you, there are a few reasons why this might be happening.
First of all, the sheriff could be attempting to serve you a subpoena, an
eviction, or to see why you missed jury duty.


CAN A COLLECTION AGENCY ADD FEES ON THE DEBT?

When a creditor sells your debt to a collection agency, it means that the
collection agency now owns the debt. That agency has many rights but also needs
to abide by different rules.


CAMPUS DEBT SOLUTIONS REVIEW

Known to be a scam, Campus Debt Solutions is a student loan debt consolidation
agency. They are a legitimate company but do not have the best reviews. Campus
debt solutions will purchase debt from lenders, and help to set up student
payment plans.


DOES DEBT CONSOLIDATION HURT YOUR CREDIT SCORE?

Debt consolidation is the act of bringing all of your debts together so that you
can pay one monthly payment, rather than multiple. It is a method used when
debts get out of hand. There are two main types of debt consolidation, a debt
consolidation loan or a balance transfer card.


MOTION FOR DEFAULT JUDGMENT - EVERYTHING YOU NEED TO KNOW

Many people choose to ignore a court summons or their court dates because they
do not know the steps to follow after being sued by a debt collector. When this
happens, the judge may rule in favor of the plaintiff.


SUED BY BARCLAY FOR DEBT COLLECTION – HOW TO WIN

If Barclay sues you, you need to act on it quickly. Barclaycard, owned by
Barclays, is a credit card and payment service provider based in London, U.K. It
was founded as a charge card in 1966; it became the U.K.'s first available
credit card the following year.


HOW TO SETTLE DEBT FOR PENNIES ON THE DOLLAR

As soon as you receive the debt collection Complaint—that complicated legal
document that uses words like plaintiff, herein, and damages—you usually only
have a couple of weeks to respond, otherwise the court enters a default
judgment. A default judgment means you lose.


HOW TO MAKE AN EVICTION APPEAL

If you were served with an eviction notice by a landlord, it is extremely
important for you to attain a clear rationale as to why your landlord decided to
evict you. Attaining this information is important since it could work in your
favor when they attempt to appeal the eviction date.


SIROTE AND PERMUTT FORECLOSURE - HOW TO WIN

If you are facing foreclosure on your home with a Sirote and Permutt
foreclosure, how to proceed depends if it's a judicial or nonjudicial
foreclosure. It's easier to fight a judicial foreclosure than a nonjudicial one.
If it's nonjudicial, it means that the process is outside the court system so
you have to file a lawsuit.


HOW TO BEAT ENERSON LAW IN COURT

Are you being harassed by a debt collector affiliated with Enerson Law? You
might feel hopeless and ready to throw your hands in the air. After all, they
are calling you constantly and might even be using threatening language.


HOW TO BEAT MOSS LAW FIRM

Being harassed by a debt collector is oftentimes stressful and anxiety-inducing.
Many debt collectors, including individuals affiliated with the Moss Law Firm,
might resort to using aggressive and inappropriate tactics to get you to pay
what they think you owe.


CAN PRIVATE DISABILITY PAYMENTS BE GARNISHED?

Federal laws protect different types of wages from garnishment. In most cases,
disability payments are exempt from wage garnishment; however, different states
have different regulations. Some states may allow a creditor to garnish private
disability payments. Nevertheless, federal law protects part, if not all, of
your private disability payments from garnishment.


HOW NOT TO PAY A JUDGMENT

If a creditor wins a debt collection lawsuit against you, they're legally
obliged to collect the debt you owe. The law refers to a creditor who files a
debt collection complaint and wins as the judgment creditor.


WHAT TO DO IF YOU'VE BEEN SUED BY TROY CAPITAL

Debt collectors are employed to collect debts that are owed to creditors, but
they are also required to follow laws that regulate those collections. In the
event you are being sued you should know how to handle the situation and also
know if you are being taken advantage of. Different laws pertain to original
creditors versus third-party companies.


WHAT TO DO IF YOU'VE BEEN SUED BY UNIFUND

No one likes being called by debt collectors, but being sued by them is even
worse. When Unifund starts calling, you probably owe a debt that they’ve
purchased from your original creditor. If you don’t pay it off, Unifund might
take you to court for it.


HOW TO BEAT DODEKA LLC IN COURT

If Dodeka LLC has filed a lawsuit against you, then you will need to know what
to do, but also what not to do. You can not assume that the debt collector will
simply throw out your case or forget about you. This will not happen. Instead,
matters will only get worse.


WHAT IS A CIVIL CHAPTER 61 WARRANT?

A civil chapter 61 warrant is a debt summons in Kansas. Usually, you receive
this warrant from a process server at your home. It means that a debt collector
is suing you for a debt you allegedly owe.


HOW TO BEAT SECOND ROUND COLLECTIONS IN COURT

Calls, letters in the mail, or lawsuits from debt collectors are often things
that no one wants to deal with but are typically more common than people think.
Millions of Americans deal with debt collection lawsuits each year, but there
are ways to defend yourself. Especially if you have felt threatened, you do not
need to sit around and just deal with it.


HOW TO DRAG OUT AN EVICTION

If the court orders an eviction, the judge on the case will sign the order that
directs the sheriff to have you removed from the property. However, before the
law enforcement officer can enforce the order, there are things that you can do
to drag out the eviction.


WHAT TO SAY WHEN YOU'RE IN COURT FOR EVICTION

If you are facing an eviction, you're probably thinking about what you can do
and how to stop it. Below is important information to know about eviction and
what to say when you're in court.


HOW TO MAKE A MOTION TO DISMISS

If you are the subject of a legal proceeding, such as an eviction or debt
collection lawsuit, you may be able to get the lawsuit thrown out of court by
filing a “motion to dismiss.” You may be asking yourself, what exactly does that
term mean?


WHAT IS AN ASSIGNMENT OF DEBT?

Assignment of debt means that the debt has been transferred, including all
obligations and rights, from the creditor to another party. The debt assignment
means there has been a legal transfer to another party, who now owns the debt.
Usually, the debt assignment involves a debt collector who takes the
responsibility to collect your debt.


WHY WOULD A SHERIFF COME TO MY HOUSE WITH PAPERS?

If you have had a sheriff come to your house with legal documents, it usually
means that your landlord is trying to evict you. Below is more information about
how to deal with this issue.


HOW TO BEAT PARAGON REVENUE GROUP

Is a debt collector such as Paragon Revenue Group harassing you for a debt you
owe? It's easy to feel hopeless and ready to toss in the towel. After all, they
call you all the time and just won't let up.


STATUTE OF LIMITATIONS ON DEBT COLLECTION IN MONTANA

If you have debt collectors pursuing you in Montana, it is important to attain a
general understanding of the statute of limitations on debt collection within
the state. Why? Because if the statute of limitations has lapsed on the debt
allegedly owed, it means the debt collector is legally prohibited from taking
you to court to try and collect on the debt.


HOW TO BEAT ALLTRAN HEALTH

If you owe a debt and have been contacted by Alltran Health, you may wonder how
to beat this collection agency at their own game. You're not alone. The FTC
estimates that debt collection agencies make at least 1 billion contacts in the
US each year to get consumers to pay what they owe.


FREE LEGAL AID IN BULLHEAD CITY, ARIZONA

If you are being harassed by a debt collector, you may be looking for free legal
aid in Bullhead City, Arizona to get an idea of your legal rights and what steps
need to be taken to get the debt collector off your back.


HOW TO BEAT RAB COLLECTION AGENCY

It's estimated by the FTC that debt collectors contact about one billion people
per year looking for people to pay what they owe. These phone calls often annoy,
upset, and aggravate consumers, so it's logical to wonder, how to beat RAB
Collection Agency? Some recommend that you simply pick up the phone and tell
them to stop calling you.


WHAT IF A SUMMONS WAS SERVED TO THE WRONG PERSON?

A lawsuit can be dismissed (i.e. tossed out of court) if it is shown that there
was a serious defect in the Summons or if the defendant was not properly served
with the Summons and Complaint. When the wrong person is served with a Summons,
it means the service was insufficient and could be used as grounds to have the
lawsuit dismissed.


WHAT HAPPENS IF YOU IGNORE A DEBT COLLECTOR?

Ignoring a debt collector does not magically dissolve the debt. Understandably,
a debt collector's persistent calls, messages, and letters may be one of the
most frustrating experiences some borrowers encounter. But if you ignore them,
there is a slim chance that the debt collector will leave you alone.


HOW TO MAKE A 609 LETTER THAT REALLY WORKS

If you are working on improving your credit report, a 609 dispute letter may
help you get the report cleaned up. A 609 dispute letter points out some
inaccurate, negative, or erroneous information on your credit report, forcing
the credit company to change them.


GOING TO COURT FOR CREDIT CARD DEBT - EVERYTHING YOU NEED TO KNOW

It is not uncommon to fall behind in paying your credit card debt. Many people
face different challenges that cause them to fail to pay their monthly credit
card debt installments. The most common consequences of delayed debt payments
are poor credit scores, increased interest rates, and numerous phone calls and
messages from debt collectors. As a last resort, the debt collector may sue you
for failing to pay a prolonged credit card debt.


HOW TO BEAT REGENTS AND ASSOCIATES IN COURT

If you're being harassed by a debt collector, such as Regents and Associates,
you may feel like there's nothing you can do. After all, they call you all the
time and often use aggressive language.


HOW TO BEAT MANNBRACKEN IN COURT

Debt collectors are known for their extreme tactics of pursuing delinquent
borrowers, but there are limits to how far they can go. Firstly, debt collectors
cannot issue a warrant for your arrest or have you jailed because of a debt.
Secondly, you cannot go to prison for an unpaid debt.


HOW LONG BEFORE A CREDITOR CAN GARNISH WAGES?

Wage garnishment is not one of the easiest things to come to terms with,
especially if you are in a bad financial situation. However, the law allows a
creditor to garnish your wages when necessary. In general, a creditor, with a
few exceptions, needs to have obtained a court order after a successful debt
collection lawsuit to effect a wage garnishment.


HOW LONG DOES A JUDGEMENT LAST?

If you face a debt collection lawsuit, the court may enter a judgement against
you, giving the creditor a right to claim your property to recover the money you
owe. However, it is essential to note that time limits on judgement liens differ
from state to state, as discussed in this article.


HOW OFTEN DO CREDIT CARD COMPANIES SUE FOR NON-PAYMENT?

Your credit card company will try to reach you if you fall behind with your
payments. This is because creditors are allowed to pursue all means legally
acceptable to collect their money from debtors. A lawsuit is also an option, but
it is not usually the first legal measure creditors opt for.


WHAT SHOULD I DO IF CROWN ASSET MANAGEMENT SUING ME?

If you are enduring intimidating and harassing phone calls from a debt
collection company like Crown Asset Management, you may be feeling anxious,
stressed out, and overwhelmed with uncertainty about your financial future.
SoloSuit understands how you feel and are here to help.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN MONTANA

If you've been sued by a creditor or debt collection agency over unpaid debt in
Montana, you may be feeling overwhelmed and even scared. Do not fret. You have
options and there are ways to effectively respond to the debt collector's legal
action.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN GEORGIA (2022 GUIDE)

Due to the tough economic times brought on by the COVID-19 pandemic, many people
have encountered a disruption, or outright loss, of employment. As a result, a
higher percentage of people are struggling to put food on the table, let alone
make timely payments on their loans, whether it be a home loan, student loan,
credit card, or combination.


HOW TO ANSWER SUMMONS FOR DEBT COLLECTION IN ALASKA

When you find out you're being sued for debt collection, you may be feeling
overwhelmed and anxious about your financial future. The thought of simply
ignoring the lawsuit may be tempting, especially if you are feeling intimidated
at the idea of going to court to argue about an unpaid debt. Unfortunately,
ignoring the summons will not make it go away. Failing to respond to the summons
simply means you are raising the white flag of defeat and handing victory over
to the debt collector.


HOW TO RESPOND TO A DEBT COLLECTION SUMMONS IN WYOMING

Being sued for debt isn't the best feeling in life. Such a lawsuit can be so
stressful, and you may even be tempted to ignore it altogether. However,
ignoring a debt collection summons is one of the worst mistakes you'll ever
make, as it creates even more problems.


HOW TO ANSWER SUMMONS FOR DEBT COLLECTION IN VERMONT (2022 GUIDE)

Despite the relatively low unemployment rate and below-average debt levels for
residents of Vermont, it may be unavoidable to encounter financial difficulties
during an economic downturn, including unpaid bills and ever-increasing credit
card balances.


HOW TO ANSWER SUMMONS FOR DEBT COLLECTION IN SOUTH DAKOTA

In South Dakota, any debt, whether credit card, utilities, or car loan debt, can
be sent to a collection agency for recovery if you default on your monthly
payments. These agencies will frequently call and send you debt collection
letters, asking you to pay the amount owed. Such extreme debt collection tactics
can be stressful if you do not know how to respond to a debt collection summons.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NORTH DAKOTA

If you live in North Dakota and were served with a summons for debt collection
from a creditor or debt collection agency, you are probably feeling anxious and
worried about what to do next and the ramifications of this lawsuit.


HOW TO BEAT NORTHSTAR CAPITAL ACQUISITION

Northstar Capital Acquisition is a debt collector that commonly purchases debts
from creditors. When this occurs, you may find yourself being sued for that
debt. This is extremely common, with around 50% of judgments being from
debt-collection lawsuits. When you are sued for a debt, you often find out about
it by receiving a summons and complaint.


HOW TO BEAT PROVEST LAW IN COURT

If you have been served with a debt lawsuit, your time to send a debt validation
letter has expired, and it is time to get serious about defending yourself in a
lawsuit. Although you might believe that sending a debt validation letter may
pause the court case, or even act as an Answer, this is not the case.


HOW TO BEAT A BILL COLLECTOR IN COURT

Debt collectors can be both collection agencies or lawyers that collect debts on
behalf of clients. There are also bill collection companies that buy older debts
from creditors or other businesses. Their job is to attempt to collect them to
make their money back. Other names for a bill collector are debt collection
agencies, debt collection companies, or debt buyers.


HOW TO BEAT FULTON FRIEDMAN & GULLACE LLP IN COURT

When you are past due on a debt, the creditor may assign your debt, or sell it,
to a debt collector. This agency will then attempt to collect on that debt. In
many cases, you will find yourself being sued. This can be a scary time. Credit
card debt delinquency is no joke.


HOW TO BEAT A DEBT COLLECTOR IN COURT

Millions of Americans are finding themselves in debt each year. This debt leads
to calls, mail, and lawsuits from debt collectors. Generally, these are not
things that people want to deal with, but they are unfortunately more common
than you might think.


HOW TO BEAT A LENDING CLUB CHARGE OFF

LendingClub is a company that provides peer-to-peer lending. It helps consumers
pay down high-interest debt through different services. They offer securities
and loan trading on a secondary market. Despite this, you may find yourself in a
lawsuit or struggling with a Lending Club loan that you can not pay off.


HOW TO BEAT WOLPOFF & ABRAMSON IN COURT

Being sued for debt by a debt collector such as Wolpoff & Abramson in court
means that they have filed a lawsuit against you. Collection lawsuits are common
when not paying a debt, and can be expensive as well as extremely
time-consuming. Most creditors look to have you repay the debt, but if you end
up ignoring them, as well as a summons, you will have no option to settle, and
you will need to go to court.


HOW TO BEAT SHERMAN ACQUISITION IN COURT

If you are being called or have been served a lawsuit by a debt collector named
Sherman Acquisition, then you might want to run and hide. This is incredibly
common, with more than 70 million Americans being in debt. Unfortunately,
one-quarter of Americans have felt in fear when communicating with a debt
collector, and in these cases, you need to know your rights.


HOW TO BEAT PALLIDA LLC IN COURT

When it comes to a debt lawsuit, most likely the person or company suing you is
not your original creditor. This is because your debt is often sold to a debt
collector or debt buyer. If your debt has been sold to Pallida LLC, then most
likely a lawsuit is already in process.


WHAT TO DO AFTER FILING AN ANSWER IN A DEBT COLLECTION LAWSUIT

Did you know that you can challenge a debt collection lawsuit? The Answer to a
debt collection lawsuit does not always have to be an admission, even when it
seems to be the only way to respond. Chances are that the debt collector expects
you to ignore the lawsuit, prompting the judge to rule in their favor. If they
win the lawsuit, the collector may garnish your wages or even place a lien on
your property.


HOW TO BEAT JHPDE FINANCE 1 LLC

If you have received a collection letter or call regarding a debt owed to JHPDE
Finance I, LLC, you might be wondering who they are and if they are a legitimate
business. If you are being sued by JDPDE Finance 1, you have rights. Although
your debts may exist, you can fight discharge or settle the debt at a reduced
amount, and possibly pay monthly expenses. The first step is knowing what to do
when being sued for debt.


HOW TO BEAT A NATIONSTAR FORECLOSURE

There are two main types of foreclosure, judicial and nonjudicial. It is a lot
easier and less expensive to jump into a lawsuit with a judicial foreclosure.
This is because you can go into the existing lawsuit, versus challenging a
nonjudicial foreclosure. If your foreclosure is nonjudicial, it means it
proceeds outside of the court system, and you will need to file a lawsuit to
challenge the process.


HOW TO BEAT AES NCT IN COURT

If you have been served with a lawsuit from the private student loan lender
known as the National Collegiate Trust, then you are not alone. Many students
and graduates are being taken to court by the NCT for not paying their student
loans. For private student loan borrowers, this is a serious problem. With
various measures being taken by institutions such as the NCT, lawsuits are
extremely common.


HOW TO BEAT WEINBERG AND ASSOCIATES IN A DEBT COLLECTION LAWSUIT

If you are being sued by Weinberg and Associates in a debt collection lawsuit,
you need to take immediate action. If you let a debt collection lawsuit
continue, you may eventually face wage garnishment, property liens, or find that
money has been taken directly from your account.


HOW TO BEAT BALEKIAN HAYES IN COURT

Millions of Americans suffer from debt collection calls. This can be anywhere
from one call per week, or various calls per day. Debt collectors are often
companies who purchase debts and are represented by lawyers, such as Balekian
Hayes. Correspondence from the lawyers of a debt collector or creditor can be
stressful. Legally, you do not need to deal with this in your encounters with
debt collectors.


HOW TO BEAT SALANDER ENTERPRISES LLC

When it comes to debt collection lawsuits, it is typically a situation that you
never want to find yourself in. Unfortunately, almost 70 million Americans are
in that same situation right now. Out of these 70 million Americans, 25% felt
threatened during their dealings with these types of agencies.


DO DEBT COLLECTORS EVER GIVE UP?

When it comes to debt collection, the act is performed by professional debt
collectors and collection agencies. Their end goal is to make money by
collecting on debts. If the debt is not collected, then the debt collector does
not make money. In many cases, although you would think that debt collectors
would eventually give up, they are known to be relentless.


CAN THEY GARNISH YOUR WAGES FOR CREDIT CARD DEBT?

When you are unable to pay your credit cards off it can feel like the worst
situation in the world. Although it's not always possible, you should avoid
completely stopping your payments. If you decide to ignore your payments then
you have the chance to have yourself sent to collections. This will usually end
up in a lawsuit, which can then lead to money being taken directly from your
bank account or garnished wages.


USE THIS 11 WORD PHRASE TO STOP DEBT COLLECTORS

If you are being pursued for a debt then you might be scared and stressed out.
Try not to let all of the calls badgering you from a debt collector get to you.
If you need to take a break, you can use this 11 word phrase to stop debt
collectors: “Please cease and desist all calls and contact immediately with me.”
Here is what you should do if you are being contacted by a debt collector.


SUED BY SECOND ROUND SUB LLC FOR A DEBT

Being sued for debt is something that millions of Americans experience, yet many
do not know how to handle the situation. The initial idea of many people is to
avoid the situation altogether and ignore it. This is the wrong thing to do. It
is essential that you respond to the debt collector as soon as possible.


HOW TO BEAT QUATERNARY COLLECTION AGENCY

Handling consumer debt is not the most fun activity in the world, and when you
are sued for debt it can get even worse. Debt collectors can be a menace, but
there are laws that bar them from harassment and other negative forms of
collection. They are legally required to follow certain laws, so if you know
your rights then you can handle the situation better and fight back should they
begin to harass you.


HOW TO BEAT CYPRESS FINANCIAL RECOVERIES

Cypress Financial Recoveries, LLC is a New Jersey debt buyer, known for buying
portfolios of old debts. These come from banks, credit card companies,
hospitals, doctors, as well as cell phone companies, and car companies. Most
often these are purchased for pennies on the dollar, but Cypress Financial
Recoveries will still look to collect the full amount from you, the consumer.
They may even look to tack on interest, penalties, late fees, overdraft fees,
and lawyer's fees.


HOW TO BEAT MANNBRACKEN IN COURT

Mannbracken LLC is often a non-cooperative debt collection agency. Although they
often present themselves as a law firm, they are not. If you are being sued by
Mannbracken try not to panic and simply realize that you need to respond. The
first step is to ensure that you were properly served with the summons. This
should include proper validation of the debt, and if you choose, you may contact
the lawyer running the case for Mannbracken against you.


SUED BY WEBBANK — HOW TO WIN

If you are being sued by Webbank, then you need to know exactly how to respond
to avoid making matters worse. Although it might feel like you have no hope,
there are many avenues that you can go down to make your situation get better.
It might feel like you should avoid it, but that is the last thing you should
do.


HOW TO BEAT ENERSON LAW LLC IN COURT

Lawsuits are common when it comes to consumer debt. Often a lawyer will be hired
to collect debt on behalf of a creditor, or they may purchase the debt
themselves. This then gives them the responsibility to collect on your debt. If
you do not pay your debt, eventually, the debt collector will sue you.


HOW TO BEAT JUNK DEBT BUYERS IN COURT

In many cases being sued for debt is a scary experience. But what you might not
be aware of is that many attorneys representing debt buyers do not have the
proper documentation to sue you. Summons and complaints are often sent out to
people who assume they either need to give up the money or hide, but this is not
the case. You should always respond to a summons and complaint with a legal
Answer, but you should also ask for proof of their ability to collect your debt.


HOW TO BEAT GC DEBT COLLECTION

If you have missed payments on one of your bills, you may get phone calls from a
company called GC Services. GC Services is a debt collector who will work to
force you into paying your debt. To legally collect from GC Debt must open up a
collection account on your credit report, this will hurt your credit score and
possibly prevent you from obtaining loans in the future.


HOW TO BEAT FIRST PORTFOLIO VENTURES LLC

Anytime you are past due on a debt, your debt has the chance to be assigned or
sold to a third-party debt collector. When this occurs, they will attempt to
collect on your debt, and often use more serious methods to obtain payment, such
as suing. When sued by a debt collector you may be confused on how to respond,
but by going through the following steps you may be able to learn how to beat
First Portfolio Ventures I LLC in court.


HOW TO BEAT HOLLOWAY MOXLEY IN COURT

When you are past due on your debts you may find that your debt has changed
hands multiples times. This is because your debt is often sold or assigned to a
third-party debt collection agency, such as Halloway Moxley. In this case,
Holloway Moxley will attempt to collect the debt from you. In extreme cases, you
may find yourself being sued. If you are unsure of what to do in this situation,
there are a few steps to can take to ensure that you are in compliance with the
law and to avoid making matters worse.


HOW TO BEAT CONVERGENT HEALTHCARE RECOVERIES

During the COVID-19 pandemic, unemployment rates soared and many people lost
their incomes. In April 2020, unemployment rates rose to 14.8%, which was up 11%
from 3.7% in 2019. This made it difficult for many people to maintain their
monthly payments. Whether that was for bills, debt, or rent, most consumers had
to choose where they allocated their funds.


HOW TO BEAT WWW.AUTOMOTIVECREDIT.COM

When you're being called by a debt collector it is never a good thing. It may
either be because you owe on debt or even a case of mistaken identity. In this
case, you are one of many millions of Americans dealing with debt in their
everyday lives.


SUED BY DEPARTMENT STORES NATIONAL BANK — WHAT TO DO

Department Stores National Bank is a bank created to handle the credit cards
that consumers can apply for. For example, at check out, often Macy's or
Bloomingdale's, or even Nordstrom, will offer you the opportunity to sign up for
their “card” to receive a percentage off your check. This “card” is actually a
credit card that you will need to be approved for.


HOW TO BEAT CCB SPRINGFIELD IL IN COURT

If you have fallen behind on your debt payments, you may feel worried. What
might make matters worse is that you may receive a summons and complaint in the
mail to go to court. This means you are being sued for debt. If you owe the
money but feel you should not pay, or you think you have a legal countersuit
against the debt collector, then you have options.


HOW TO BEAT CREDENCE RESOURCE MANAGEMENT IN COURT

For many, it is all too common to come home to a summons in your mailbox. This
is usually a formal letter that is notifying you of being sued by a debt
collection agency. Many consumers simply throw the letter away and hope that it
never returns, but this is a bad decision. If you owe any type of consumer debt
to a collection agency such as Credence Resources Management, you will need to
respond.


HOW TO BEAT GLOBAL CREDIT COLLECTION CORP IN A DEBT LAWSUIT

When you are contacted by a debt collector it can be terrifying. Whether they
use aggressive language or even just a rude attitude, it can be a huge burden
and not something that anyone wants to deal with. You may even begin to block
numbers and throw out letters that summon you to court for the debt.


WHAT TO DO IF YOU'VE BEEN SUED BY NCO FINANCIAL SYSTEMS INCORPORATED

Are you receiving calls or letters from NCO Financial Systems Incorporated suing
you for past-due debt? If so, you may be ignoring these letters and this is the
worst thing you can do. Not everyone at NCO is a big bad debt collector, but in
some cases, you may make contact with rude collection agents. In some cases
these rude agents may be a method to get out of the lawsuit altogether, so it is
important to educate yourself on your rights, and what to do if you've been sued
by NCO systems incorporated.


HOW TO BEAT BUREAUS INVESTMENT GROUP IN COURT

Once you receive a letter in the mail in the form of a summons and complaint, it
means you are being sued for debt. Although you might be worried that you are
being sued by a company such as Bureaus Investment Group it is possible to beat
them. You simply need to know your rights and know how to respond properly.


HOW TO BEAT COMENITY BANK DEBT COLLECTION

Calls, mail, or lawsuits from a debt collector is never something that you want
to deal with, but it happens and is more common than you might think. The
Consumer Financial Protection Bureau states that more than 70 million Americans
have dealt with debt collectors. Out of this number, 25% felt uncomfortable,
harassed, or threatened during these times.


HOW TO BEAT MALCOLM S. GERALD AND ASSOCIATES IN COURT

Being called by a debt collector is one of the most uncomfortable and stressful
things that can occur to a consumer. When these calls progress often they can
result in a lawsuit. Lawsuits for debt are incredibly common. More than 70
million Americans have dealt with debt collectors, and many of these people have
felt threatened by these agencies.


DO THIS IF YOU'RE SUED BY EXPRESS RECOVERY FOR DEBT

The day a letter arrives Express Recovery is not going to be your best day. This
is most likely a summons notifying you that you are being sued. It is extremely
common with over 70 million Americans who have reported being in debt. There are
many types of unpaid debt, whether that is a medical, credit card, or other
types of consumer debt.


HOW TO BEAT MGM COLLECTIONS IN COURT FOR A DEBT

MGM Collections, also known as MGM Capital Management, is a debt collection
agency located in Temecula, California. Specializing in medical debt collection,
they also go after other consumer debt as well. MGM Collections is often found
on credit reports as a collections account. Whether you forgot to pay a bill, or
you didn't know the bill existed in the first place, your account was sent to
this debt collector to collect.


HOW TO WIN A CITIBANK DEBT LAWSUIT

If you are being sued by Citibank for credit card debt or a loan, then you need
to act quickly. Citibank has a skilled legal team that goes after consumers that
do not pay their debt. This is why after you have been served with a debt
lawsuit, you will be faced with a series of events that you must do.


WHAT TO DO IF YOU'VE BEEN SUED BY CAPITAL COLLECTIONS

If you have received a letter in the mail regarding debt collections, your first
thought might be to throw the letter out. This is the wrong thing to do.
Instead, you should educate yourself and understand what to do in the case of
being sued by a third-party debt collector.


WHAT TO DO IF YOU'VE BEEN SUED BY RAZOR CAPITAL

When you are past due on a debt, the original creditor eventually gives up on
collecting the funds and sells your debt to a third-party debt collection
agency. In many cases, this third-party collection agency is Razor Capital.
Razor Capital then will bring a lawsuit against you. Whether you are confused or
not sure how to respond, you must educate yourself to properly defend yourself.


HOW TO BEAT ARROW FINANCIAL SERVICES IN COURT

Arrow Financial Corporation is a multi-bank holding company and debt collection
agency with $3 billion in assets. It is based out of New York and has been
accused of violating parts of the Fair Debt Collection Practices Act. The FDCPA
protects you from debt collectors that use unfair, abusive, or deceptive
treatment.


WHAT TO DO IF YOU'VE BEEN SUED BY HOLLIS COBB

If Hollis Cobb Associates is calling you or you received a summons in the mail,
then there are a few things you need to know. Debt can overwhelm you when you
least expect it. One day you may be easily paying down the principal on your
credit cards, student loans, and mortgage, while the next you lose your job due
to an accident or other reasons.


WHAT TO DO IF YOU'VE BEEN SUED BY NORTHLAND GROUP

Getting a summons notifying you that you are being sued for debt is stressful
and something that no one wants to deal with. Despite this, it happens to many
Americans every day. One common group that you might be sued by is Northland
Group. If this happens, you must take the correct action to avoid having your
wages garnished, or money being taken directly from your account.


WHAT TO DO IF YOU'VE BEEN SUED BY ATLANTIC CREDIT AND FINANCE

Have you been receiving suspicious letters, phone calls, or in-person service of
court documents? You may have been informed that Atlantic Credit and Finance LLC
is suing you over outstanding debt. If this is the case, then you may
immediately hang up, throw out the letter, or freak out. What you shouldn't do,
is ignore it. This could mean you may face damaging financial consequences if
you do not respond in time, and in the right manner.


HOW TO BEAT COMMONWEALTH FINANCIAL IN COURT

Getting calls, mail, or a lawsuit notification from a debt collector is not
something that anyone wants to deal with. Unfortunately, more than 70 million
Americans struggle with debt collectors. Conversations with debt collectors are
typically unpleasant, and can immediately strike fear. This is why it is
important to respond to all debt collectors. You also need to understand what
happens when you get served with debt collection papers and learn how to
properly beat a debt collector like Commonwealth Financial, in court.


WHAT IF THE WRONG DEFENDANT IS NAMED IN A LAWSUIT?

Most people agree that being sued for an outstanding debt is bad, but being sued
for an outstanding debt they do not actually owe is worse. Why? Because when you
are served with that debt collection lawsuit, your mind is immediately inundated
with unnecessary questions and concerns. You are forced to endure significant
stress and anxiety until you ultimately realize that the debt collector sued the
wrong defendant.


COLLECTION AGENCIES PHONE NUMBERS

If you are seeking collection agencies' phone numbers, there is a good chance
you have been contacted by a debt collector concerning a delinquent account or
unpaid bill. Many debt collection companies will initially attempt to contact
you by sending a physical letter regarding the debt. If they do not receive a
response, they will likely begin calling you over the phone (multiple times and
throughout the day).


HOW TO BEAT REGIONAL FINANCE IN COURT

If you are being harassed and threatened by a debt collector affiliated with
Regional Finance, you may be feeling overwhelmed, intimidated, and unsure about
your future. This is perfectly understandable since being hounded by a debt
collector is generally considered to be an awful and unpleasant experience. You
have legal rights and can take specific actions to beat Regional Finance in
court.


DO 609 LETTERS REALLY WORK?

If you are looking for ways to repair your credit in the wake of bankruptcy or
an adverse judgment from a debt collection lawsuit, you may be curious about the
efficacy of a “609 Dispute Letter.” Some people have described this type of
correspondence as a “credit repair secret” or “legal loophole” that essentially
obligates credit reporting agencies to quickly eliminate certain negative and/or
inaccurate information from a credit report. This often leads people to ask, “Do
609 letters really work?”


HOW TO MAKE A MOTION TO LIFT STAY

A motion to lift stay is a suit filed by a creditor in a bankruptcy case against
a debtor. The lawsuit aims at helping a creditor to repossess the collateral. If
well-executed, it enables a creditor to get back a car, or any collateral
surrendered in a bankruptcy case. Should the stay orders fail to be lifted, a
creditor may not reclaim collateral from a debtor.


MOTION TO COMPEL ARBITRATION IN CALIFORNIA

Arbitration clauses are widespread in construction contracts. The clauses
require all disputed contract agreements to be submitted to arbitration instead
of filing them in courts. The process is relatively cheaper compared to
litigation and the numerous court procedures.


HOW TO BEAT BLUEBONNET FINANCIAL LLC IN COURT

Getting harassed by a debt collector with Bluebonnet Financial LLC is generally
considered to be stressful and anxiety-inducing. Why? Because it is quite common
for Bluebonnet Financial LLC and other debt collectors will utilize
inappropriate and unethical tactics to try to get you to pay what is allegedly
owed.


HOW TO FILL OUT THE PLD-C-001

If you are being harassed by a creditor or debt collection agency and were
served with a debt collection lawsuit, you can “go on the offensive” and file
your own Complaint. In California, there are specific forms that need to be
completed and filed to commence a civil action, including the PLD-C-001 series
of forms.


HOW TO MAKE A MOTION TO COMPEL ARBITRATION

If you were served with a debt collection lawsuit and are terrified at the
prospect of having to go to argue and make an argument before a judge, do not
fret. You have options. For example, it may be possible to resolve the debt
collection lawsuit before going to court through an alternative form of dispute
resolution. A well-known form of dispute resolution that takes place outside the
courtroom is arbitration.


TEMPLATE CEASE AND DESIST LETTERS TO DEBT COLLECTORS

Whenever you fall behind on repaying debt, chances are, you may start receiving
endless calls, emails, and letters from a debt collector. A debt collector is a
third party who bought your account from the original creditor for the sole
purpose of trying to recover the money you owe.


STATUTE OF LIMITATIONS ON FLORIDA DEBT

The statute of limitations is a timeline set forth by the Florida government
that stipulates how long a debt collector can file a lawsuit to collect on a
debt. If the statute of limitations for that particular type of debt expires,
the creditor is barred from attempting to collect on the debt through a civil
lawsuit. In Florida, the statute of limitations on Florida debt is generally
five years.


WHAT IS A NONSUIT WITHOUT PREJUDICE?

What does nonsuit mean? Well, a nonsuit refers to a legal action to dismiss a
lawsuit. This dismissal can be voluntary or involuntary. A voluntary nonsuit
refers to when the plaintiff (the individual who filed the case) willingly
discontinues the case. An involuntary nonsuit describes an action by the court
to dismiss a lawsuit if the court finds reasons to dismiss the case either
through a motion of dismissal filed by the defendant or when it is not up to
legal standards.


HOW TO BEAT CREDIT SYSTEMS

Creditors or loan lenders are a necessity to any country's economy and
development. They allow you to purchase goods and services on credit and pay
later. Credit card companies require you to pay a minimum amount every month to
offset your accrued debt. If you pay attention to credit card policies, you will
realize hidden benefits and privileges. Some will even help you beat the credit
systems at their own game.


CAN CREDIT CARD COMPANIES GARNISH YOUR WAGES?

If a credit card company files a lawsuit related to an unpaid credit card bill
and secures a default judgment against you, then the company can attain the
legal authority to garnish your wages. This is why you should be proactive and
respond to a debt collection lawsuit filed by a credit card company and you
should not feel bullied into making a payment simply because a debt collector
levies threats about wage garnishment.


HOW TO BEAT MSW CAPITAL LLC IN COURT

If MSW Capital LLC has contacted you about an unpaid debt or you have been
served with a debt collection lawsuit by this agency, do not throw your hands up
in despair. You have certain legal rights and protections when being contacted
by a debt collector or when sued by a debt collector in court.


STATUTE OF LIMITATIONS ON DEBT IN VIRGINIA

If you reside in the Commonwealth of Virginia and are receiving frequent phone
calls and letters from creditors seeking repayment for an alleged unpaid debt,
it is important to determine the age of the debt that is the basis of collection
efforts. Why? Because there are laws that provide a finite period of time in
which a debt collection lawsuit can be filed in Virginia. The time period is
known as the “statute of limitations.”


STATUTE OF LIMITATIONS ON DEBT IN UTAH

If you are receiving frequent phone calls and letters from creditors seeking
repayment for an outstanding debt, it is important to determine the age of the
alleged debt. Why? Because there are laws that provide a finite period of time
in which a debt collection lawsuit can be filed in Utah. The time period is
known as the “statute of limitations.”


CAN SOCIAL SECURITY DISABILITY BE GARNISHED?

If your primary source of income is Social Security disability benefits, you may
be worried, and rightfully so, about any outstanding debts that you may have.
You may be concerned about earning a living while you are physically
incapacitated if your Social Security disability benefits are garnished to pay
off your debts.


STOP PAYING CREDIT CARD DEBT AND STOP WORRYING ABOUT IT

Many people carry the burden of unpaid credit card debt from one month to the
other. Most of them are unable to fully settle the balances before they attract
high interest. Consequently, many of these people find themselves living and
working to pay off their credit card debts.


WHAT TO CONSIDER BEFORE SIGNING A STIPULATED JUDGMENT, THE ULTIMATE GUIDE

If you are being sued for a debt, you want to do anything to settle the matter
out of court. Debt collection lawsuits ending in default judgment can be
detrimental to your long-term economic stability. There is also the issue of
paying an attorney and court fees, not to mention the threat of wage garnishment
and a lien on your property if you lose your lawsuit. In the long-term, losing
your case has the potential to impede your ability to have stability from
employment, housing, and credit.


CAN A PROCESS SERVER LEAVE A SUMMONS TAPED TO MY DOOR?

“You’ve been served.” These are words you probably don’t want to hear, whether
you’re being served divorce papers, a Summons for debt collection, or some other
type of court documents. Every state has different laws when it comes to the
service of court papers, but overall, process servers must follow a few specific
regulations. For one, a process server cannot break the law when trying to serve
papers. This might include laws on trespassing, breaking and entering, and more.
As a result, process servers often get creative and almost cross the line in
order to serve someone, but not quite.


STATUTE OF LIMITATIONS ON DEBT IN TENNESSEE

If you have fallen behind on paying off a debt, you may begin to receive calls
from your creditor. Whether the debt is from a credit card company or a loan,
eventually someone will give you a call to collect payment. If these payments
are for a medical bill, consumer debt, or you simply haven't responded in a
while, creditors might sell the debt off to a collection agency.


HOW TO FILE IN THE HOUSTON COUNTY SUPERIOR COURT

The complaint will be the initial start of your debt lawsuit. It will explain
why you are being sued and what they are suing you for. If you live in Texas or
the Houston area, then you will need to file a response with the Houston County
Superior Court. First, you need to understand the process and know what steps to
take to avoid a default judgment.


SOUTH CAROLINA STATUTE OF LIMITATIONS ON DEBT

When it comes to debt, there are various methods that debt collectors and
creditors take to have you pay back a debt. Although it takes many steps to get
to this point, some of the last steps taken by debt collectors involve
garnishing wages and placing liens on your property. In the state of South
Carolina, debt relief and debt collection protections are prominent.


DEBT MANAGEMENT VS. DEBT SETTLEMENT

When it comes to debt, there is never a situation that you hope to find yourself
in. Whether that is student loan debt, credit card debt, or tax debt, paying off
debt can be difficult and stressful. As debt piles up you might look for
alternative options to get out of debt. Debt management and debt settlement are
two different forms of debt relief. Although they are similar, they are not the
same. It is essential to learn the difference between the two and decide what
will work best for you.


BEAT SCOTT PARNELL AND ASSOCIATES IN COURT

If you have received calls, letters, or any other notification of a lawsuit from
a debt collector, you might not know what steps to take. Especially when a
well-known debt collector such as Scott Parnell and Associates is pursuing you.
These are things that most people would prefer not to deal with, but they are
entirely too common.


HERE IS OCWEN'S MAILING ADDRESS

Ocwen is the largest, non-bank, mortgage service in the United States. Many
people have mortgages from Ocwen, and until 2014 they were known as being quite
reliable. After 2014, many borrowers who had mortgages serviced by Ocwen were
given mortgage relief. This was as a result of a national settlement that
occurred in December of 2013.


STATUTE OF LIMITATIONS ON DEBT IN ARIZONA

Many Arizona residents suffer from debt. Luckily there are a few legal loopholes
and protections offered to those who find themselves in debt in the state of
Arizona. These include debt relief programs and options for paying off your debt
but also using the statute of limitations as an affirmative defense.


SOUTH DAKOTA STATUTE OF LIMITATIONS ON DEBT COLLECTION

Debt is a huge problem for consumers all over the United States. In South
Dakota, this is no different. South Dakota consumers can easily fall prey to
predatory lenders and debt collectors. This is why it is essential to know your
rights in terms of debt collection and the statute of limitations.


STATUTE OF LIMITATIONS ON DEBT IN WISCONSIN

The statute of limitations is a time limit in which a creditor or debt collector
must file a lawsuit against a consumer for failure to pay a debt. If a debt
collector or creditor does not collect on a debt within this time limit, the
debt becomes “time-barred,” which means you can no longer be sued for that
specific debt in court.


STATUTE OF LIMITATIONS ON DEBT IN NEW JERSEY

If you are unable to pay a debt and you go into default, then a creditor or debt
collector can bring you to court in an attempt to collect. More than one in four
New Jersey residents have debt in collections, but what most consumers do not
realize is that there is a limit on how long they can legally be sued for a
debt.


STATUTE OF LIMITATIONS ON DEBT COLLECTION IN NEBRASKA

If you are being sued for debt then there are a few different affirmative
defenses that you can look into. One of these defenses is to bring forth the
statute of limitations. The statute of limitations is a specific period of time
that you may be sued for consumer debt.


TOP 7 DEBT COLLECTOR SCARE TACTICS

If you are being pursued for a consumer debt, you may have not even been aware
of that debt until a debt collector contacts you. This might come in the form of
a letter asking you to appear in court, or you might receive a call. Harassment
by a debt collector is illegal. If you are being pursued for debt, you should
know about these 7 debt collector scare tactics.


NORTH CAROLINA STATUTE OF LIMITATIONS ON DEBT

If you are in debt, it can be a terrible situation. You might have credit card
bills or a loan catching up to you that you’re not able to pay off. Luckily for
you, all debt has a statute of limitations, other than student loans.


HOW TO BEAT WORLDWIDE ASSET PURCHASING

If you have fallen into debt you might be frustrated and worried. This is
totally understandable because it can feel very overwhelming. Whether the reason
for your debt is an illness, a disability, being laid off, or simply forgetting
to pay your bills, you are not alone. Millions of Americans suffer from debt,
but if a lawsuit is being brought against you then you must take action.


WHAT HAPPENS AT A MOTION FOR SUMMARY JUDGMENT HEARING?

When it comes to debt, a judgment is not necessarily something you want as a
consumer. It can be frustrating and scary to feel as though the court has
decided against you. Whether it is your fault or a mistake, it does happen. If
both parties do not agree on the judgment, a motion for summary judgment will
occur.


CAN DEBT COLLECTORS CALL YOUR FAMILY?

There are specific laws that govern the method by which debt collectors may
contact consumers. Within these laws includes barring debt collectors from
contacting consumers at work, contacting family and friends, and even how they
collect the debt. There is an entire section of the FDCPA that regulates how a
third-party debt collector may contact you.


HOW TO BEAT HOSTO BUCHAN IN COURT

Hosto Buchan is a debt collection law firm that files collection lawsuits
against consumers. The company has represented creditors for more than 20 years.
Its main office is in Little Rock, AR, and it has satellite offices in
Tennessee, Arkansas, Kentucky, and Indiana. The firm focuses on commercial and
retail debt collections in these states.


STATUTE OF LIMITATIONS ON DEBT COLLECTION IN ALABAMA

Do you have an old unpaid debt in Alabama? Your creditor may be able to file a
collection suit against you for breach of contract. If you recently received a
demand letter from your creditor, make sure you know where you and your possible
defenses stand before making any payments or promises. One important defense to
be aware of is the statute of limitations on debt.


SUED FOR SYNCHRONY WALMART CARD — HOW TO WIN

Walmart, a renowned retail merchant, recently dismissed its long-term credit
issuer, Synchrony. The merchant switched to Capital One Financial Corp, ending a
19-year partnership with Synchrony. Walmart stated that Synchrony was taking a
significant portion of its revenue and contributed to its losses. Conversely,
Synchrony expressed frustration with Walmart's reduced marketing efforts aimed
at selling Synchrony's credit cards.


CAN YOU SUE SOMEONE WHO HAS FILED CHAPTER 7 BANKRUPTCY?

Filing Chapter 7 bankruptcy declares a debtor bankrupt and discharges most of
the debt they have. However, some creditors still sue debtors even after they
have filed Chapter 7 bankruptcy. Does this mean that creditors can still collect
a debt owed after you've been declared bankrupt? This article explores the
subject further, so read on!


MASTRIANI LAW FIRM REVIEW

We want to warn you of the potential harms of working with people who prey on
your misfortunes. Debt collectors are not the only predator looking to scam you.
Keep reading for more information about the Mastriani Law Firm.


HOW TO BEAT AN OPORTUN LAWSUIT

Oportun Inc is notorious for using litigious debt collection practices because
it's the easiest way to secure monetary judgments against borrowers. Also,
Oportun's high-interest rates and tendency to refinance loans to vulnerable
groups cause many people to default.


WILL BANKRUPTCY STOP A JUDGMENT?

Did your creditor obtain a favorable judgment on the collection lawsuit they
filed against you? If so, your wages and bank account may be garnished, and
properties may be foreclosed or repossessed to satisfy your obligations. Your
judgment creditor may garnish up to 25% of your disposable income, and this is
the last thing that you need to happen.


MASSACHUSETTS DEBT COLLECTION LAWS – WHAT THEY SAY

If you're a Massachusetts resident in debt or experiencing a debt collection
lawsuit, you must acquaint yourself with relevant debt collection laws. The
Massachusetts debt collection law deems some common debt collection practices
illegal. Failure to comply with the law allows the debtor to use noncompliance
as a defense throughout the lawsuit. Keep reading for more information about the
Massachusetts debt collection laws.


IS SOMEONE WITH POWER OF ATTORNEY RESPONSIBLE FOR DEBT AFTER DEATH?

As you probably know, the primary purpose of a power of attorney is to act as
another person's legal agent during their lifetime should they need you. But
what happens when they pass away? You may be wondering if you will be
responsible for any debts after the principal's death. Let's take a closer look.


HOW LONG DOES IT TAKE TO IMPROVE MY CREDIT SCORE AFTER DEBT SETTLEMENT?

For some of us, there may be a point in our lives in which we will struggle
financially. Debts continue to pile up, and you may be unable to find the money
to pay them off. In times like this, you may be able to arrange a debt
settlement with your creditor or debt collector. While this will ensure that
debt collectors will cease contacting you, a debt settlement will harm your
credit score. Keep reading to find out how long it takes to improve your credit
score after a debt settlement.


HOW TO FILE A CIVIL ANSWER WITH THE DUVAL CLERK OF COURTS - FLORIDA

If you are a Florida resident and have been served a complaint and summons to a
civil lawsuit, you are probably wondering what your next steps are. In Florida,
a defendant must file an answer within 20 days of being served with a summons
and complaint. Filing a response to the complaint and sending it on time
prevents the court from entering a default judgment against you.


SDCCU DEBT CONSOLIDATION REVIEW

If you are struggling to pay off your debts, you are among the millions of
Americans in a similar situation. It is incredibly stressful when creditors
constantly hound you for mortgage payments, medical bills, student loans, and
credit card bills.


STATUTE OF LIMITATIONS ON DEBT COLLECTION IN NEW MEXICO

Have you recently received a message from your creditor asking you to pay an
old, unpaid debt? You may have forgotten about the debt, or you may be confused
about how the debt collector can still collect on your debt even though
significant time has passed. A creditor can sue a debtor for an outstanding debt
and breach of contract for a designated time-frame.


HOW TO BEAT AN AMERICAN EXPRESS DEBT COLLECTOR?

For years, in their television and print ads, we have been told: “Don't live
without it” in reference to American Express credit cards. What you can live
without are the efforts of their debt collectors. If you are being contacted by
an American Express debt collector, this is not the time to worry. This is the
time to take action.


HOW TO BEAT NORTH AMERICAN RECOVERY IN COURT

Did you just receive a lawsuit in the mail from a company called North American
Recovery? It is most likely that you have never heard of North American
Recovery, and thus you are wondering why on earth this company would be suing
you. Do not get nervous. This happens all the time to unsuspecting consumers.
More importantly, there is a way to fight back.


CAN A DEBT COLLECTOR FREEZE YOUR BANK ACCOUNT?

Having your bank account frozen means that although your funds exist, you cannot
access them. If you owe a credit card debt or loan, a debt collector has no
right to freeze your bank account until they obtain a court judgment against
you. Debt collectors see freezing your bank account as a way of pressuring you
into paying off your debt, and sometimes it works.


HOW TO MAKE A FAIR DEBT COLLECTION PRACTICES ACT DEMAND LETTER

When you are being sued or pursued for a debt, there is a list of legalities
that creditors and debt collectors must adhere to. These legalities are regarded
in the Fair Debt Collection Practices Act, known as the FDCPA.


CAN THE SCRA STOP A DEFAULT JUDGMENT?

If you are a member of the armed forces, then you are protected by the
Servicemembers Civil Relief Act (SCRA). The SCRA ensures that before a default
judgment is placed against you, the person filing must file a military
affidavit. This means that the SCRA can stop a default judgment.


IS THERE A STATUTE OF LIMITATIONS ON MEDICAL BILLS?

If you are being sued by a debt collector regarding unpaid medical bills, it is
important to determine the age of the outstanding medical debt. Why? Because you
may be able to use the statute of limitations as a defense to get the debt
collection lawsuit thrown out of court.


STATUTE OF LIMITATIONS ON DEBT IN OREGON (COMPLETE GUIDE 2022)

The statute of limitations applicable for specific types of debts will be
determined by the state in which you reside. For example, in some states, the
statute of limitations for certain types of debt is three years; in others, the
statute of limitations is six years, while other states have a 10-year statute
of limitations.


HOW TO BEAT COUCH CONVILLE & BLITT

Getting harassed by a debt collection law firm like Couch, Conville & Blitt is
annoying, stressful, and upsetting. Why? Because Couch, Conville & Blitt, like
many law firms specializing in debt collection, often use unethical and
inappropriate methods to try to persuade you to pay what they think you owe.
That's why Couch, Conville & Blitt may call you all day and even into the night.
They may try to contact you on your Facebook and send you threatening letters in
the mail.


HOW TO FIGHT A MOTION FOR RELIEF FROM AUTOMATIC STAY

If you are struggling with a mountain of debt and ultimately decide to file for
bankruptcy, one of the benefits associated with a bankruptcy filing is the
“automatic stay” that is issued by the bankruptcy court. The overarching
objective of the automatic stay is to give an individual a break from the
constant harassment that is routinely deployed by creditors and some breathing
room to develop a plan to reorganize and improve your financial situation.


STATUTE OF LIMITATIONS IN OKLAHOMA (COMPLETE GUIDE 2022)

If you keep getting calls and letters from creditors seeking repayment for an
outstanding debt, it is important to figure out the age of the alleged debt.
Why? Because there are laws that give a time limit for debt collection lawsuits
to be filed in Oklahoma. The time period is known as the “statute of
limitations.”


DO YOU NEED A STUDENT LOAN LAWYER? (COMPLETE GUIDE)

If you have a proverbial mountain of student loan debt and are struggling to
service the monthly payments, you may be feeling overwhelmed and unsure about
your financial future. You may even be considering the prospect of filing for
bankruptcy to help take some of the debt burden off your shoulders.


CAN MY WIFE'S BANK ACCOUNT BE GARNISHED FOR MY DEBT?

If a creditor files a debt collection lawsuit and obtains a judgment against
you, the creditor may attempt to retrieve repayment for the outstanding debt by
garnishing your wages and/or seizing funds in your checking account. A common
question asked by individuals who find themselves in this situation is: “Can a
creditor access my wife's bank account to retrieve funds to pay for my debt?”
The answer is… it depends.


WHAT HAPPENS IF A PROCESS SERVER CAN'T SERVE YOU?

When a debt collector files a lawsuit against a consumer, there is a legal
requirement applicable in courts across the country that the consumer be served
with a notice of the impending legal action. This requirement is in place to
ensure that the consumer (known as the defendant in the lawsuit) is provided
sufficient time to prepare a defense and respond to the allegations contained
within the Complaint.


USE THIS SAMPLE ANSWER TO SUMMONS FOR CREDIT CARD DEBT

Getting served with a Summons and Complaint related to unpaid credit cards is an
awful and traumatizing experience for many people. When you are served with a
Summons and Complaint for a debt, it means a process server likely visited your
home or place of work, asked you for your name, and presented you with a copy of
the Summons.


CAN I SETTLE A DEBT AFTER BEING SERVED?

Frequently, people get sued out of the blue by debt collectors. We hear it
frequently from our customers: "I didn't even receive a collections notice!"
Collectors do this because they are banking on you not responding to the
lawsuit. If you don't respond to the lawsuit, you'll automatically lose your
case and the debt collector can collect the debt directly from your bank account
or your paycheck. For people who actually owe some portion of the debt, usually
the best move is to respond to the lawsuit and then angle for a settlement.


HOW TO SETTLE CREDIT CARD DEBT WHEN A LAWSUIT HAS BEEN FILED

You may feel overwhelmed and scared when you are served with a lawsuit,
especially if it's for unpaid debts. If you are facing challenges with your
unpaid debts, it's important to know that you are not alone. You have options.
Even if you have been sued, you still may be able to resolve the issue.


GUIDE TO ELDERLY DEBT COLLECTION LAWS

If you are being subjected to harassment by a debt collector, the stress and
anxiety can be debilitating. You dread opening the mailbox out of concern that
there will be a new threatening letter sent by the collection agency. You avoid
phone calls, particularly calls from an unidentified number. You may have
trouble sleeping due to concern about your long-term financial future.


HOW TO BEAT CVCS DEBT COLLECTION

Has CVCS Debt Collection been harassing you to pay a debt? This is probably an
upsetting time. Unfortunately, CVCS Debt Collection and other companies like
them use unethical means to get consumers to pay what they allegedly owe. So
CVCS Debt Collection may call you at all hours of the day to encourage you to
pay what you owe.


HOW TO BEAT ERSOLUTIONS

If you are being bothered by a debt collector such as ERSolutions, you probably
are going through a stressful time. Why is this the case? Because ERSolutions
and other debt collection agencies may use inappropriate techniques to get you
to pay what you supposedly owe to a creditor. That's why ERSolutions may call
you all day long to try to get you to pay. They may harass you at work and
attempt to connect with you on Instagram and Facebook to get money out of you.


WHAT TO DO IF YOU'RE SUED BY VALENTINE AND KEBARTAS

If you are being harassed by a debt collection company such as Valentine and
Kebartas, you may be feeling upset, stressed, and anxious about your future.
Why? Because Valentine and Kebartas, like so many other debt collection
agencies, may use aggressive and inappropriate methods to get you to pay what
they think you owe. That's the reason Valentine and Kebartas may call you all
day and contact you by email and mail to get you to pay.


WHAT IS A CONSENT JUDGMENT?

When a debt collector is unsuccessful in securing repayment for the outstanding
balance on an account, they routinely decide to escalate the matter to
litigation by filing a debt collection lawsuit. If the debt collector prevails
in the lawsuit, a judgment will likely be entered against you. This judgment
will then empower the debt collector to gain access to your bank account, along
with seizing certain financial and personal assets.


HOW TO BEAT VAN RU CREDIT CORPORATION

If you are being harassed and threatened by a debt collector such as Van Ru
Credit Corporation, you may be feeling overwhelmed, intimidated, and unsure
about your future. If the stress of being hounded by a debt collector was not
bad enough, there is a high likelihood that you will wind up getting served with
a collection lawsuit.


WHAT TO DO IF YOU'RE SUED BY ZARZAUR & SCHWARTZ

Getting contacted constantly by debt collection law firms like Zarzaur &
Schwartz is oftentimes quite upsetting and unpleasant for many people. Why?
Because Zarzaur & Schwartz, like many law firms specializing in debt collection,
may use overly aggressive and inappropriate tactics to try and intimidate you
into paying the debt allegedly owed.


HOW TO BEAT CBCS COLLECTIONS

If you are being harassed by a debt collector affiliated with CBCS Collections,
you may be stressed, anxious and unsure about the future. This is understandable
since CBCS Collections, like many other debt collection agencies, use aggressive
and unethical practices to try and coerce you into paying what they claim you
owe. That's why CBCS Collections might call you all day long, at night, and try
to get in touch with you on email and social media to intimidate you into paying
an alleged debt.


HOW TO BEAT MANDARICH LAW GROUP

If you are being harassed by Mandarich Law Group, you may be feeling stressed,
intimidated, and anxious about the future. These feelings are understandable.
When a debt collector hassles you, it can make you feel like you’ve reached your
boiling point.


MEDICAL DEBT STATUTE OF LIMITATIONS BY STATE

The statute of limitations for a creditor to lawfully collect a debt varies from
state to state. Medical debt is no different and each state has a statute of
limitations for how long a creditor can legally take action on collecting the
medical debt.


WHAT ARE THE PHONE NUMBERS FOR UNITED RECOVERY SYSTEMS

United Recovery Systems is one of the largest collection agencies in the United
States. They have been in business for over 30 years and their headquarters are
located in Houston, Texas.


HOW TO GET RELIEF FROM A GAMBLING DEBT

You thought it was a sure thing. No way can you lose. You know in your heart and
your head that placing this bet will get you back on track. Win this wager and
you're digging yourself out of the hole from all those previous bets. A story as
old as time. The gambler thinking this is the one. This is the bet that is going
to get me back to square one. The can't-miss wager. The result is all too
familiar as something unexpected happens and the bet is lost. Now, what?


HOW TO RESPOND TO A SHERIFF'S NOTE ON YOUR DOOR

“I love coming home to a cute sheriff’s note on my door, notifying me that I’m
being sued!” – said no one ever. Coming home to a package or a little treat from
your neighbor is always a fun surprise. On the flip side, coming home to a
sheriff’s note on your door is just the worst. Upon closer inspection, you may
realize that the note is a pack of legal documents notifying you of a lawsuit
against you.


HOW MANY TIMES CAN A JUDGMENT BE RENEWED IN NORTH CAROLINA?

A judgment issued in the state of North Carolina can be renewed. Though it
technically isn't a renewal as much as the creditor or holder of the judgment
can file a motion before the expiration of the original judgment to extend the
original judgment. If the court approves and grants the motion, the “new”
judgment has a time period of 10 years that the creditor can affect a collection
on the judgment.


WHAT TO DO IF YOU'RE SUED BY RETAILERS NATIONAL BANK

If you are being hounded by Retailers National Bank, which is formally known as
Target National Bank, for an alleged debt on a Target credit card, do not fret.
You have certain legal rights and protections under federal law and can
proactively defend yourself if Retailers National Bank decides to file a debt
collection lawsuit against you.


DEBT ERASER REVIEW

Are you falling behind on mortgage payments, student loans, or credit card debt?
If so, It may be time to enlist a professional to help you manage your debt. We
all know late loan payments attract penalties, fees, and a low credit score, but
there's also a risk of having to deal with nagging debt collectors.


WHAT IS T-MOBILE'S PHONE NUMBER FOR DEBT COLLECTION?

T-Mobile, one of the leading mobile communications companies in the industry, is
infamous for engaging in unfair debt collection practices. Many customers claim
to receive calls from debt collection agencies without prior notification about
the debt they owe.


HOW TO BEAT RSIEH IN COURT

Are you being sued by the RSIEH for an unpaid debt? Not to worry, there are
several ways you can defend yourself in court. RSIEH is a debt collection agency
tasked with collecting debt on behalf of lenders, banks, credit unions, and
credit card issuers.


HOW TO BEAT DELANOR KEMPER & ASSOCIATES

Once you're in debt, you make regular repayments until it's paid back in full,
most often with interest. If you're unable to pay, you may decide on a course of
action to take which can be anything from debt consolidation to declaring
bankruptcy. Sounds pretty simple, right? This mainstream narrative omits that
debt collection is a billion-dollar industry in the US.


HOW TO STOP A GARNISHMENT

If you are brought to court for debt by a creditor or debt collector, there are
a few courses of action that might take place. If you do not respond to the debt
or the judge finds you responsible for it, then they will give the creditor or
debt collector a judgment against you. Judgments allow the creditor to take
further action against you. This may come in the form of a wage garnishment or a
bank levy.


HERE'S THE PHONE NUMBER FOR COLINFOBUR (A DEBT COLLECTOR)

If you are being pursued for debt by Colinfobur, also known as the Collection
Information Bureau, Inc., then you need to know how to call them, how to beat
them, and where to send your response. Out of anything that you do, it is
essential to send a response to Colinfobur above all.


WHAT HAPPENS AFTER A MOTION FOR DEFAULT IS FILED?

If you have borrowed money or used a credit card that you are unable to pay
back, you may have been sued by either your original creditor or a debt
collector. When this happens, you will have up to 35 days to respond to the
Summons, depending on where you live. If you do not respond in time, then you
will have a default judgment entered against you.


ROSELAND ASSOCIATES DEBT CONSOLIDATION REVIEW

Most people are in debt - and not just one type of debt, but often several
parallel obligations requiring payments for credit cards, mortgages, student
loans, and possibly even a car loan in any given month. Owing this much money
can be stressful and frustrating. Considering all of the potential benefits of
debt consolidation, you may be shopping around for a debt consolidation company,
and you may be considering Roseland Associates. If so, continue reading for our
rating on this company.


DO I NEED A DEBT NEGOTIATOR?

Do you have a hard time making monthly payments on your debts? Are you already
late in paying your credit cards and other bills? Do your expenses keep piling
up? If you are experiencing this situation and are looking for a solution that
can help you escape your debt problems, you may want to explore the possibility
of working with a debt negotiator. If you are curious to see if a debt
negotiator can help you with your current financial situation, keep reading.


HOW TO BEAT ASSET RECOVERY SOLUTIONS

Asset Recovery Solutions has a poor reputation for using unethical and
aggressive methods to collect debts. The agency works in the United States and
has been the subject of many complaints by consumers who allege serious
violations of the Fair Debt Collection Practices Act.


HOW TO BEAT ALLIANCE ONE

Getting harassed by a debt collector with Alliance One is oftentimes stressful
and anxiety-inducing. Why? Because it is quite common for Alliance One and other
large debt collection agencies will utilize inappropriate and unethical tactics
to try to get you to pay what is allegedly owed.


HOW TO STOP PINNACLE COLLECTIONS AGENCY

To get you to pay, Pinnacle Collections Agency will likely call you on the phone
throughout the day, attempt to contact you via social media, and/or send
threatening letters or making false promises.


HOW TO BEAT FRESHVIEW SOLUTIONS

Getting threatening and harassing phone calls and letters from a debt collector
with Freshview Solutions Collection Agency is generally considered to be an
extremely stressful and unpleasant experience. This is because Freshview
Solutions, like many other debt collection agencies, deploy questionable and
inappropriate methods to try and coerce you into repaying on a debt that is
allegedly owed.


HOW TO FILE A CIVIL ANSWER IN KINGS COUNTY SUPREME COURT

Usually, debtors and other defendants charged with non-criminal matters file
responses at Kings County Supreme Court, a courthouse established to help
litigants who do not have an attorney and want to file an answer. An answer is
only verified once the debtor files it in court and serves it to all parties.
See below for more information on how to file a civil answer in Kings County
Supreme Court.


HOW TO BEAT NRC COLLECTION AGENCY IN COURT

Lenders are likely to demand payment for overdue debts, including by means of
enlisting the help of debt collectors like the Nations Recovery Center, NRC. If
you're a debtor, who has been sued in an unfair debt collection practice, listed
below are the defenses you can use in court to beat the NRC collection agency.


HOW TO FILE IN SMALL CLAIMS COURT IN IOWA

There are times in life when you may need to seek help from the court to collect
payment from someone. Known as small claims court, this is a simple legal
process that serves to resolve civil disputes.


KANSAS STATUTE OF LIMITATIONS ON DEBT COLLECTION

The statute of limitations is a law that provides the maximum amount of time
where legal proceedings can be initiated. When it comes to debt collection, it
refers to the amount of time that a creditor or debt collection agency can
legally pursue you for a debt.


SHOULD YOU COMMUNICATE WITH A DEBT COLLECTOR IN WRITING OR BY TELEPHONE?

If you are being sued for a debt, or are in the process of a debt collection,
there are two main methods of contact: writing and telephone. Oftentimes, a debt
collector may contact you by both methods, typically sending you a letter first
to notify you of your debt. The collection calls typically follow, and it can
feel overwhelming.


THE TRUTH: SHOULD YOU NEVER PAY A DEBT COLLECTION AGENCY?

You've heard that you should never pay a debt collection agency, and now you
want the truth. What happens if you never pay collections? Should you pay the
debt collector or the original creditor? Debt collection agencies can employ a
variety of shifty tactics. They may start with harassing phone calls and
escalate from there. But depending on your situation, you may never need to pay
a debt collector. Not sure where to begin? SoloSuit can help.


TIPS FOR LEAVING THE COUNTRY WITH UNPAID CREDIT CARD DEBT

If you are planning on leaving the country with unpaid credit card debt, there
are some things you need to know before you explore the world. There are some
rather unpleasant consequences you could face if you choose to do so.


HOW TO BEAT AMCOL CLMBIA IN COURT

Are you being sued by Amcol Clmbia for an unpaid debt? If so, you might be
feeling troubled by your coming court date. This is understandable, but you must
stay calm and follow the proper steps to ensure the best outcome.


SUED FOR PAYPAL SYNCHRONY CARD — HOW TO WIN

The PayPal Extras Mastercard is issued by Synchrony Bank. It may seem like a
great opportunity to score rewards with points on gas and all PayPal purchases.
But it can quickly turn into a nightmare if you get behind on bills or forget to
pay.


HOW TO ANSWER A LAWSUIT FOR DEBT COLLECTION

If you have received any form of communication with a debt collector, then you
may feel overwhelmed and not be sure where to turn. More than 70 million
Americans are dealing with a debt collection lawsuit, or have at one time.


DOES THE FAIR CREDIT REPORTING ACT WORK IN FLORIDA?

Have you received a letter from a bank denying you a loan because of bad credit
when you were never late paying your previous loan? Is there a glaring
inaccuracy on your credit report? If so, you will need to contact the reporting
agency to check your credit report and find out where things went south.


CAN DEBT COLLECTORS CALL FROM LOCAL NUMBERS?

Are you being harassed by a debt collector calling you from numbers that match
your area code? Debt collectors can collect from debtors by sending letters,
emails, text messages, and even phone calls. They can call you on your home
phone or cellphone number. Making phone calls is the most strategic and
convenient way for debt collectors to collect. They even have different phone
call tactics that may pressure the debtor to pay. This is why no one wants to
receive a debt collection call, especially if they are known to be very
aggressive when collecting a debt.


CAN PRIVATE DISABILITY PAYMENTS BE GARNISHED?

Anyone that is being sued for debt may know that wage garnishment is the result
of having a judgment placed against you. If you are receiving disability
benefits or Supplemental Security Income from Social Security, this may be your
only source of income. If you are wondering if private disability payments can
be garnished, they can. Although social security and disability benefits are
protected, private disability payments are not.


HOW LONG DOES A JUDGMENT LAST?

A judgment is trying to ruin your life. It's no joke. It sucks. Bad things do
end, though. How long does a judgment last? That's a crucial question. Short
answer: Judgments generally last three to seven years, but they can also be
valid for over 20 years in some states.


WHAT IS THE STATUTE OF LIMITATIONS ON DEBT IN WASHINGTON?

Past mistakes can often come back to haunt us. Sometimes it's an old flame
calling you up again, and sometimes it's an old debt that you forgot to pay many
years ago. You're on your own with the old flame, but if you're being sued over
a debt in Washington state here's what you need to know.


RECEIVED A 3-DAY EVICTION NOTICE? HERE'S WHAT TO DO

Yikes. You've just been served a 3-day eviction notice, and you're already
sweating bullets. Should you ignore it? Hide in the closet and hope they don't
see you there? Secretly swap apartments with the neighbor in the night?


HOW TO BEAT UCB COLLECTION

Have you gotten calls or letters from UCB (United Collection Bureau, Inc.)
indicating that they are looking to collect money from you? If you're feeling
confused, overwhelmed, or scared by the idea of a debt collector coming after
you, you're not alone. Debt collectors often use very persistent, intimidating
methods and messages when they are coming after you for debt payment.


HOW MUCH DO YOU HAVE TO BE IN DEBT TO FILE CHAPTER 7?

Depending on your situation, Chapter 7 bankruptcy may be exactly the relief you
need. It has the power to erase certain debts and give you a fresh start.


HOW TO MAKE A DEBT SETTLEMENT AGREEMENT

About one in 13 consumers with a credit record has made a debt settlement
agreement on one or more of their accounts, and the number of debt settlements
has been on the rise since 2016. Clearly, there's a reason so many people are
hopping on the settlement train.


SUMMONED TO COURT FOR MEDICAL BILLS? WHAT TO DO NEXT

Let's face it: Medical bills can be more confusing than your high school
trigonometry class. Whether you go to the hospital for an accident, illness, or
an unexpected emergency, it can leave you with a big pile of bills and a whole
lot of confusion about how you are going to pay them.


DEBT CONSOLIDATION IN EUGENE, OREGON

Despite Oregon featuring a growing economy, many residents struggle with debt.
The average resident has $2,943 in personal debt, not including home mortgage
and car loans. This goes some way to explaining the higher delinquency and
default rates in Oregon than in other parts of the country, with 9,008 residents
declaring bankruptcy every year.


HOW TO BEAT MICHAEL J ADAMS PC IN COURT

The recent COVID-19 pandemic has left many people unemployed, and others have
experienced significant salary cuts. The economic turmoil has also caused many
borrowers to default on loan payments, leaving them at the mercy of debt
collection agencies and law firms, including Michael J Adams PC.


CAN DEBT COLLECTORS CALL YOU AT WORK IN TEXAS?

Receiving calls from debt collectors during working hours in your place of
employment can be very stressful and embarrassing. You may not want your
co-workers or your boss to know that you have unpaid debts, and you especially
do not want them to be aware that you are being chased by a debt collector. You
may also be afraid that these kinds of incidents could ruin your good reputation
at work. At its worst, it could trigger a conflict between you and your
superiors.


DOES STUDENT DEBT DIE WITH YOU?

If you die, your student loan debt may either be discharged or passed to a loved
one. Although this is a sad topic, it is important to consider who might share
responsibility for your student loans should you pass away before they are paid
off. To understand if your debt will die with you, you must examine the type of
student debt you have acquired.


HOW TO BEAT PYOD LLC IN COURT

So, you're being sued by PYOD LLC for an outstanding debt. The first thing you
need to do is collect yourself and stay calm. Being sued for any reason is
understandably a scary thing to go through.


HOW TO BEAT ACCREDITED COLLECTION SERVICES

If you are being sued and taken to court by Accredited Collection Services,
don't panic. This debt collection agency is known for its intimidating tactics
and could be breaking the law in its attempts to collect a debt from you.


HOW TO BEAT EDUCAP IN COURT

Are you being sued by EduCap for outstanding student loan debt? Then you're
going to want to stick around to hear what we have to say. Being sued by anyone
can be a trying time. But it's likely to feel even more stressful when it's by a
company that touts itself as “Education Finance and Philanthropy.”


HOW TO BEAT THE LAW OFFICE OF MICHAEL J SCOTT

The law office of Michael J Scott represents a wide variety of creditors. As
such, there's a possibility that you could be contacted by this law office if
you have outstanding debt in Texas.


WHAT HAPPENS IF YOU AVOID GETTING SERVED COURT PAPERS?

Some surprises in life are awesome, but getting served court papers for debt
collection is not one of them. Worse yet, if you are aware that court papers are
coming your way, the stress and worry of running into a process server could
really have a negative impact on your life.


HOW TO USE THE DOCTRINE OF UNCLEAN HANDS

The doctrine of unclean hands, also alternatively known as the “dirty hands
doctrine,” is an equitable defense in which someone who is being sued by a debt
collector argues that a debt collector is not entitled to obtain an equitable
remedy. This is often because the debt collector has acted unethically or in bad
faith. Typically the burden of proof rests with the person who is being pursued
for the debt. This proof will often come in the form of an FDCPA violation.


DOES DEBT CONSOLIDATION HAVE RISKS?

Whether you have one major debt, you are going into foreclosure on your home, or
even considering bankruptcy you may have heard of debt consolidation. If you are
struggling with paying off multiple debts, then you may be considering debt
consolidation. Before you decide to do this, you must understand the advantages
and disadvantages that come with debt consolidation as well as the risks and
rewards.


HOW TO APPEAR IN COURT BY PHONE

There are a thousand and one reasons why you might not be able to make it to
your court hearing. But that doesn't mean the court is going to change its
schedule around on your behalf, especially on short notice. Did you know that
some courts allow you to appear in court by phone? When this is allowed and by
whom depends on many factors, such as what type of hearing it is and the rules
of the court.


CAN AN EVICTION BE REVERSED?

Are you currently in the process of being evicted? Have you already been
evicted? The receipt of an eviction order doesn't mean a tenant should vacate
the house immediately. On the contrary, it's just the beginning of the legal
process. As a tenant, there are steps you can employ to stop the eviction order.
Keep reading to find out what you can do to reverse an eviction.


HOW MANY TIMES CAN A JUDGMENT BE RENEWED IN OKLAHOMA?

If you have not kept up in paying a credit card or loan debt, then you may be
pursued by a debt collector or creditor. There are many ways in which a creditor
can legally pursue collecting a delinquent debt. But before this can begin, a
judgment must be obtained.


HOW TO BEAT INTEGRAS CAPITAL RECOVERY LLC

If you recently realized that you are being sued for debt by Integras Capital
Recovery, LLC then you may be wondering who this debt collection agency is and
what your next step should be. Integras Capital Recovery, LLC files lawsuits
throughout the State of Texas for debt collection.


HOW TO WRITE A RE-AGING DEBT LETTER

Re-aging is a serious violation of the Fair Credit Reporting Act. If you notice
any signs of re-aging, it is essential to take action. Re-aging a credit account
is not only illegal, but it causes older negative accounts to appear to be more
recent. This eventually leads to ruining your credit score.


WHAT IS A WARRANT IN DEBT?

In many states, any lawsuit in regards to money is considered a type of civil
action, and in Virginia, it is known as a “Warrant in Debt.” This term sounds
very technical, but it simply means that you owe money on a debt.


CURADEBT DEBT SETTLEMENT REVIEW

CuraDebt is a debt management company that helps debtors pay unsecured debts to
avoid bankruptcy. CuraDebt creates a debt settlement plan that enables the
debtor to pay a lump sum amount, usually less than what they owe, to settle the
debt. CuraDebt claims to slash debt amounts by 50%, but it often depends on the
amount the debtor owes. Factoring in the fees, you should enjoy 30% to 80% in
savings.


CAN YOU SERVE SOMEONE WITH A COLLECTIONS LAWSUIT AT THEIR WORK?

When you are served with a collections lawsuit, it can be ego damaging, let
alone if there is someone around to see it happen. This is why there are strict
laws in place to protect you as a consumer. Despite this, you can still be
served with a collections lawsuit at work. But debt collectors cannot discuss
the details of your suit.


HOW TO BEAT ACCREDITED COLLECTION SERVICES IN COURT

Accredited Collection Services, Inc. is a legitimate third-party debt collection
agency. They have been buying and collecting debts for almost 40 years. But
throughout this time, they have received many consumer complaints. These
complaints allege violations of the Fair Debt Collection Practices Act (FDCPA).
If you are struggling with a lawsuit from Accredited Collection Services, read
on. We may be able to help you beat them in court.


OREGON EVICTION LAWS - WHAT THEY SAY

The COVID-19 pandemic caused an unprecedented health and economic crisis, which
caused Oregon to declare a state-wide moratorium on terminations of rental
agreements and evictions. Oregon’s governor signed an executive order on April
1, 2020, which has been in effect since. Later, Oregon's lawmakers extended the
eviction moratorium to June 30, 2021, as long as the tenant submitted a
declaration of hardship. The moratorium ensured that no landlord could:


INDIANA STATUTE OF LIMITATIONS ON DEBT

The statute of limitations in Indiana prevents creditors and debt collectors
from suing people for super old debts. The statute of limitations is a law that
sets a deadline for creditors and debt collectors to sue someone over a debt.
Depending on the kind of debt you owe, this period varies anywhere from two to
twenty years.


CLEARPOINT DEBT MANAGEMENT REVIEW

Debt management can be an absolute nightmare for debtors wrought with high debt
amounts and interest rates. It's particularly nerve-wracking when you are
cash-strapped and have to deal with debt collectors. Enlisting the help of a
debt management company or agency offers some relief as these experts help
develop a strategy to help you repay your unsecured debts.


NORTH DAKOTA STATUTE OF LIMITATIONS ON DEBT

Did you default on a debt and now you are being sued out of the blue? You may be
wondering if your creditor can still chase you down and oblige you to pay on
your unpaid debt or if the statute of limitations for them to take you to court
has passed.


WHAT HAPPENS IF A DEFENDANT DOES NOT PAY A JUDGMENT?

You've just received a judgment. Or maybe it's been floating around for a while.
And it's a lot of money. You might be wondering, “Should I even pay it?" Read on
to find out what happens if a defendant does not pay a judgment.


ANSWER A DEBT LAWSUIT IN VERMONT SMALL CLAIMS COURT

Are you being sued for unpaid debt in Vermont? Have you already received the
court documents in the mail? If so, then you are probably wondering what you
should do next. The last thing you want to do is ignore the lawsuit or wait
until the last minute to take action.


HOW TO MAKE A MOTION TO VACATE JUDGMENT

If a judgment comes as a surprise to you, you may have been judged unfairly.
That's one reason the court gives you the option to make a motion to vacate
judgment. In other words, they give you a chance to convince them to cancel the
judgment.


HELP! I'M BEING SUED BY MY DEBT COLLECTOR

If you are a few months past due on your credit card or haven't paid off a loan
for a while, your creditor may decide to assign or sell the debt to a
third-party debt collection agency. In this case, the debt collector will then
attempt to collect the debt. If you continue to ignore the requests of the debt
collector to collect this debt, you may find yourself being sued.


HOW DOES DEBT ASSIGNMENT WORK?

Debt assignment refers to a transfer of debt. This includes all of the
associated rights and obligations, as it goes from a creditor to a third party.
Debt assignment is essentially the legal transfer of debt to a debt collector
(or debt collection agency). After this agency purchases the debt, they will
have the responsibility to collect the debt, meaning you will pay your debt to
them.


CAN A DEBT COLLECTOR LEAVE A VOICEMAIL?

If you are being targeted by a debt collector you may feel like they can take
whatever measures to contact you. Being pursued for debt is exhausting, and debt
collectors know that if they use tactics to push you to make payments on your
debt.


YOU'RE DROWNING IN DEBT — HERE'S HOW TO SWIM

You're drowning in debt, and you are up to your eyeballs in high monthly
payments. The very thought of the amount of debt you're in is overwhelming.
Whether it’s a car note, student loans, a mortgage, medical expenses, or all of
the above. We understand how quickly things can add up and become a monster
that's too big to fight on your own. We have a few steps that can take you from
a drowning victim to an Olympic swimmer. Let's dive in!


HOW TO BEAT CERASTES LLC IN COURT

Millions of Americans are pursued by debt collectors daily. This process is
frustrating, stressful, and most Americans simply choose to ignore it.
Unfortunately, ignoring a debt collector or debt collection lawsuit is the worst
choice you can make. By ignoring a lawsuit you will automatically receive a
default judgment on your debt, which can lead to wage garnishment, having your
bank account frozen, as well as compounding interest and fees.


SHOULD I MARRY SOMEONE WITH DEBT?

So, you're in love, and you're ready to settle down and get married. But your
significant other is carrying around some additional baggage. And no, it's not
an ex; it's debt. You may be on the fence about whether or not their debt is a
deal-breaker. You're wondering if you should marry someone with debt. And, if
so, what you are getting yourself into? Well, before you say I do, let's get
into some of the less romantic stuff.


AM I RESPONSIBLE FOR MY SPOUSE'S MEDICAL DEBT?

Generally, you are not responsible for the debts of your spouse, nor are you
responsible for debts from before your marriage. Despite this being a general
rule, when it comes to medical debts, sometimes you are.


ARKANSAS STATUTE OF LIMITATIONS ON DEBT

If you are being sued for debt in Arkansas, you should be aware of the statute
of limitations. The statute of limitations is a specific amount of time in which
you can be pursued for a debt. Although the statute of limitations is different
in each state, on average in Arkansas it is around five years.


HOW TO BEAT CTC DEBT COLLECTOR IN COURT

C. Tech Collections (CTC) is a debt collection agency that is known for its
less-than-friendly approach to resolving outstanding debts. If you are currently
facing a court date against this company, it's important to know your rights and
how you can beat CTC in court.


HOW TO LIQUIDATE YOUR ASSETS TO PAY OFF DEBT

Are you having trouble paying off credit card debt, a mortgage, or an auto loan?
Have you just had a salary cut and can no longer meet all of your monthly
expenses? If so, it may be time to liquidate your debt.


WHAT IS A CERTIFICATE OF JUDGMENT IN OHIO?

Have you received a Certificate of Judgement in Ohio? Most assume that their
lawsuit is over when the judge completes the ruling. On the contrary, obtaining
a judgment in Ohio may be the beginning of the repayment process. If you do not
honor the payment plan issued by the court, a creditor can use various methods
to collect money owed under their granted order. One of them involves obtaining
a certificate of judgment.


HOW TO BEAT PERSOLVE LLC IN COURT

If you are being sued for a credit card or loan debt, you may be deflecting
calls from creditors or even a debt collection agency named Persolve LLC.
Persolve is a debt collector. This company primarily purchases credit card,
household, and consumer debts. They have been in business since 2006. Let's
explore your options if you are being sued by Persolve LLC.


HOW TO WIN WHEN SUED BY BLITT & GAINES

Getting slapped with a debt collection lawsuit can be paralyzing. But you can't
afford to stick your head in the sand. Ignoring your legal problems won't make
them go away. They'll only get worse. Instead, you need to attack your lawsuit
head-on. That isn't easy. Luckily, SoloSuit is here to guide you through your
debt collection lawsuit.


RHODE ISLAND STATUTE OF LIMITATIONS ON DEBT

Are you being sued for old debt in Rhode Island? You might have closed that
chapter of your life and put it behind you. Unfortunately, the creditor or debt
collection company did not forget about it. And they've filed a lawsuit against
you. There is a high chance that you are wondering what legal process you need
to follow to deal with that old creditor. You probably also want to know if they
can still sue you for the debt after all these years.


HOW TO MAKE MOTION TO SET ASIDE — ULTIMATE GUIDE

If you have discovered that a default judgment was entered against you, then you
may have been sued without ever even being aware. If you were never served and
never appeared in court, then you can attempt to make a motion to have your
judgment set aside.


HOW TO WIN WHEN SUED BY PHARIA LLC

When you get sued by Pharia LLC, one question comes to mind: How can you win?
Your lawsuit may have blindsided you. You're caught off-guard, and you don't
know what to do. Relax, we're here for you. If you have questions about your
case, we've collected all of the information you'll need to fight back against
Pharia LLC.


HOW TO FIGHT AN EVICTION

Receiving an eviction notice, no matter what the reason, can be a terrifying and
exhausting experience. Evictions are not a small matter you want to overlook
because they will significantly affect your rental history. Evictions remain on
your credit report for up to seven years, and they are a huge red flag to any
potential landlord or property manager moving forward.


HOW TO BEAT SAMARA PORTFOLIO MANAGEMENT

If you are being sued by Samara Portfolio Management for an unpaid debt, don't
panic! You must remain calm and explore your options for beating them. Let's
discuss some key steps that can help you claim victory over this debt collector.


STATES WHERE YOU CAN GO TO JAIL FOR DEBT

One way that debt collectors violate the FDCPA (Federal Debt Collection
Practices Act) is by threatening jail time. This is illegal because typically
you cannot go to jail for debt. Although going to jail debt was once a common
occurrence, debtors' prisons are no longer as prevalent as they once were.
Despite this, there are some states where you can go to jail for debt or certain
situations in which you can face jail time related to debt.


HOW TO BEAT NATHAN AND NATHAN PC

If you are being sued for debt from a collector named Nathan and Nathan PC, you
may be worried, stressed out, or unsure of where to turn next. Typically, this
will come in the form of a summons threatening a lawsuit for debt.


CAN A DEBT COLLECTOR TAKE MY CAR IN CALIFORNIA?

Do you live in California and owe a debt to a creditor? If you've been sued for
a debt, lost the lawsuit, and the court entered judgment against you, the
creditor has several options they can take to settle the debt you owe.
Typically, creditors may garnish your wages or other assets as a quick and easy
means to pay your debt.


HOW DO I FIND OUT IF I HAVE ANY JUDGMENTS AGAINST ME?

Whenever you borrow money, whether it is a loan or in the form of a line of
credit, you will be required to repay it. Sometimes life happens. If you are not
able to pay back the money that was loaned to you, it can end up in a lawsuit.


SUED BY AMERICAN EXPRESS – DEBT COLLECTION LAWSUIT

If you've seen an American Express ad, you no doubt have heard their tag line:
Don't Live Life Without It. Here's what you can live without, being sued by
American Express. But if you have been sued by American Express, this isn't the
time to panic.


SUED BY HARVARD COLLECTION

If you're served a summons from Harvard Collection Service, the worst thing you
can do is nothing. Even if you feel helpless, you still have legal rights. Your
actions will determine the outcome of the lawsuit.


SUED BY KRAMER & FRANK

Most consumers who find themselves in a lawsuit usually know the company that
filed the lawsuit. Oftentimes, when Kramer & Frank file a lawsuit against
someone, that person may not know who this company is and why they are filing
this suit.


WHY BEING JUDGMENT PROOF IS NOT A DEFENSE TO A LAWSUIT

When it comes to debt, Americans have a lot of it. Debt occurs when you don't
pay your credit card bill, or if you fail to make payments on a loan. When this
happens the creditor or a debt collector can sue you for the money you owe.
Although in many instances you will be forced to pay this debt, if you are
considered “judgment proof" then a creditor may not be able to go after your
income. Despite this, being judgment proof is never a defense to a lawsuit.


HOW TO BEAT ALCO CAPITAL GROUP LLC

Are you stressed out because Alco Capital Group is suing you? You're not alone.
Unfortunately, Alco Capital Group is building a name for itself among other
large companies that buy charged-off debt. Before we talk more about who they
are, let's take a quick look at the fundamentals of debt collection.


HOW TO SATISFY A JUDGMENT

When a judgment is entered against you, it doesn't only mean you will need to
pay off your debt. You may need to pay additional fees as well. This might
include fees to cover collection costs, added interest, and maybe even the
attorney fees of the debt collector. To satisfy your judgment, you will need to
show that you have paid off your debt.


HOW LONG DOES A LEVY STAY ON A BANK ACCOUNT?

Bank levies are a tool used to give creditors power when you fall behind on your
payments. The bank levy is put into place by the creditor filing a legal
document with the court. This allows them to withdraw money directly from your
bank account to pay off a debt that you owe.


IS IT LEGAL FOR DEBT COLLECTORS TO CALL FAMILY MEMBERS?

Being in debt is not a fun process. When the debt collector starts calling, it
can be even worse. Not only are debt collection calls annoying, but they can be
stressful and embarrassing.


HOW TO BEAT PAYDAY LOAN DEBT COLLECTORS

Do you feel like you've become a prisoner to a payday loan debt collector? Does
your phone keep ringing at odd hours? Have you been served a Writ of
Garnishment? Or has your credit score taken a hit? Unfortunately, these
scenarios play out more often than you think. Payday loans are designed to help
borrowers deal with emergencies during a cash shortage until their next payday.
Sadly, sometimes borrowers end up defaulting on their payments and dealing with
aggressive debt collectors.


HOW TO BEAT BONNEVILLE COLLECTIONS IN COURT

Lawsuits are never fun, but debt collection cases can be especially painful. You
probably know this already if you recently received a Complaint from Bonneville
Collections.


CAN I PAY MY ORIGINAL CREDITOR INSTEAD OF A DEBT COLLECTION AGENCY?

Sometimes, despite our best intentions, a situation spirals out of control.
That's especially true when it comes to repaying loans. You never meant to get
behind on your payments. Now, debt collectors are hounding you night and day for
money. But can you even pay your original creditor instead of a debt collection
agency?


SUED BY EQUABLE ASCENT FINANCIAL - HOW TO WIN

We realize that being served with a summons and being named in a lawsuit can be
a disturbing event. The key is keeping your wits about you. You see, time is of
the essence. What is the best way to settle the lien with Equable Ascent
Financial since they've gone out of business?


WHAT TO DO IF YOU'RE SUED BY TULSA TEACHERS CREDIT UNION

Well, this is quite a pickle. You're being sued by Tulsa Teachers Credit Union
(TTCU) and now you don't know what to do. First of all, don't panic. Even though
Tulsa Teachers Credit Union may be suing you for unpaid debt, you still have
options.


IS LVNV FUNDING A LEGITIMATE COMPANY? - HOW TO BEAT THEM IN COURT

Have you been sued by LVNV Funding? But you have no idea who LVNV Funding is?
You're not alone. Many people who have defaulted on credit card debt or have
fallen behind in student loan payments receive correspondence and are sometimes
served with lawsuits from the debt collection company called LVNV Funding.


HOW TO BEAT FORSTER & GARBUS IN COURT

Did you receive notice of a lawsuit from a law firm called Forster & Garbus,
LLP? If you did, this article will help figure out what to do.


WHAT SHOULD I DO IF ONEMAIN FINANCIAL IS TAKING ME TO COURT?

It started as one missed payment. Now, your personal loan has spiraled out of
control. Your lender, OneMain Financial, is taking you to court and you don't
know what you should do.


HOW TO WIN WHEN YOU'RE SUED BY PARAGON REVENUE GROUP

Blindsided by a debt collection lawsuit? Were you sued by Paragon Revenue Group,
and now you're wondering how to win? Short on funds and unable to hire an
attorney?


WHAT TO DO WHEN YOU'RE SUED BY WAYPOINT RESOURCE GROUP

Debt collection lawsuits often come by surprise. You're caught totally unaware,
and now you find yourself in the middle of a lawsuit. You have no idea how to
proceed. After all, you don't know what to do when sued by Waypoint Resource
Group.


WHAT IS A STIPULATED JUDGMENT?

When it comes to owing a debt, most people want to find some way to be done with
it and move past it. Often, creditors feel the same way. Typically, this leads
to a settlement with the creditor. If you already within the process of a court
case, then you may be asked to sign a “stipulated judgment.”


HOW TO SETTLE A CREDIT CARD DEBT LAWSUIT — ULTIMATE GUIDE

Debt is a common issue that many people face at one point or another in their
lives. If you are facing debt-related challenges, don't give up. There are many
options when you're going through a credit card debt lawsuit. Even if you are
already being sued due to not paying a debt, you have the opportunity to resolve
this problem by settling your credit card debt.


DOES CHASE SUE FOR CREDIT CARD DEBT?

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


WEST VIRGINIA STATUTE OF LIMITATIONS ON DEBT

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


CAN YOU APPEAL A DEFAULT JUDGEMENT?

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


HOW TO BEAT SHERMAN FINANCIAL GROUP IN COURT

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


HOW TO BEAT ABSOLUTE RESOLUTIONS INVESTMENTS LLC IN COURT

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


HOW TO BEAT REVENUE GROUP IN A DEBT LAWSUIT

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


HOW TO MAKE A DEBT VALIDATION LETTER - THE ULTIMATE GUIDE (2022)

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


HOW TO BEAT ESTATE INFORMATION SERVICES

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


SHOULD I FILE BANKRUPTCY BEFORE OR AFTER A JUDGMENT?

When you have a judgment brought against you on a debt, it's never too late to
file bankruptcy. But there can be consequences if you wait to file bankruptcy
after you receive a judgment. Seek advice from a qualified attorney if you
consider bankruptcy. Do this sooner rather than later to avoid limiting your
options.


DO I NEED A DEBT COLLECTION DEFENSE ATTORNEY?

Being pursued by a debt collector can be frightening. You may have forgotten
about the debt or hoped that it would never catch up to you. But when a creditor
attempts to collect their debt, or worse, sues you, you might wonder if you
should contact a defense attorney.


HOW TO BEAT MOUNTAIN LAND COLLECTIONS IN COURT

If you are being pursued by a debt collector like Mountain Land Collections, you
may be feeling stressed out and anxious about the future. If that wasn't bad
enough, there's a good chance you will get served with a collections lawsuit.
The information below provides key tips to help you fight and defend yourself
against Mountain Land Collections in court.


HOW TO NEGOTIATE CREDIT CARD DEBTS

When your card balance continues to rise, and you cannot pay off the balance,
then you may find yourself in an incredibly stressful situation. Credit card
debt can be a huge burden on your life. As the payments pile up and the interest
adds on, it can feel like there is no end in sight. If you are in this position,
you do have one option: to negotiate your credit card debt with your card
company. Although paying off the debt is the best option, sometimes negotiation
is the only option.


HOW TO BEAT VELO LAW OFFICE IN COURT

If you have been served, then you may be trying to gather your thoughts and
figure out your next move. Being sued for a debt or pursued by a debt collector
can be stressful, and most commonly the instinct is to run and hide. This is the
wrong decision.


IS THERE A JUDGMENT AGAINST ME WITHOUT MY KNOWLEDGE?

If you have borrowed any type of money, whether from a lender or a creditor, you
must repay it. When you are given a line of credit or a loan, you are agreeing
to pay it back or suffer the consequences. If you do not, then the lender or
creditor can sue you.


DO I NEED A PAYDAY LOANS LAWYER?

Also known as a “cash advance loan” or “payday advance loans,” a payday loan can
get you out of a pickle when you need quick cash. Payday loans are often repaid
in a short amount of time, directly from the borrower's next paycheck. Payday
loans are not necessarily large loans, like that of purchasing a car or home.
Instead, payday loans offer a quick amount of cash to push the borrower through
the rest of the pay period.


HOW TO BEAT AMERICAN RECOVERY SERVICE IN A DEBT LAWSUIT

Receiving repeated phone calls and threatening letters from a debt collection
company like American Recovery Service likely means you are feeling stressed out
and anxious about your financial future. This is understandable. Most people do
not expect to receive harassing phone calls and letters from an intimidating and
overly aggressive debt collection company.


NEW HAMPSHIRE STATUTE OF LIMITATIONS ON DEBT

Are you being sued in the State of New Hampshire for an old debt? You may be
asking yourself why an old creditor is filing a lawsuit against you trying to
collect on a debt that you may have defaulted on many years ago. You may also
wonder if the statute of limitations may have already expired on that debt. If
you requested more time to pay your debt, you might have reset the clock for the
statute of limitation on your debt. Let's take a closer look at the statute of
limitations laws in New Hampshire and see if you may be able to shake this old
ghost that's come back to haunt you.


SAMPLE CEASE AND DESIST LETTER AGAINST DEBT COLLECTORS

One of the most annoying things you can experience is the constant calls from a
debt collector. Is a debt collector contacting you at work, calling your known
associates, or calling you at all hours of the day? Has the statute of
limitations passed on your debt? Are you being harassed over a debt that is not
yours? If any of these apply to you, the debt collector might be violating your
rights under the FDCPA. Unknown to most, if debt collectors are harassing you,
you can take a few steps to fight back and get them to leave you alone. We 'll
cover a few tips that you can take to ensure those debt collectors stop
harassing you.


CAN I STOP WAGE GARNISHMENT?

Did you receive notice that a portion of your earnings is going to be garnished
soon? If so, we understand that you are probably feeling a range of emotions.
The last thing you want is for someone else to reach their hand into your wallet
and take your hard-earned money. Yes, they give you notice, but it still feels
intrusive, and the thought of someone taking your money without your permission
can make you feel like you are losing control and security. Worry not. We want
to help you protect your wallet and give you a few steps on how you can stop
wage garnishment from happening.


SUED BY EAGLE LOAN OF OHIO?

What to do, what to do? You find yourself served a summons for an unpaid debt.
Eagle Loan of Ohio has filed suit against you, alleging that you owe them for an
unpaid debt. If you are like most people, you are taken aback by this action.
So, what do you do when Eagle Loan of Ohio is suing you?


HOW TO WIN A MARINER FINANCE LAWSUIT

If you find yourself holding a legal summons because Mariner Finance is suing
you, don 't worry. Sure, easy from the outside looking in to say this but
worrying or exhibiting immobilizing fear in this situation is absolutely the
wrong thing for you to do.


SUED BY RSIEH FOR DEBT? — HOW TO WIN

If you have been served with a lawsuit from RSIEH (Raush, Sturm, Israel, Enerson
& Hornik, LLC), do not panic. This might seem like a scary time, but you do have
the option to fight it. The first mistake that many people make when being sued
for debt is to ignore it. Whether this is because they assume they will lose or
simply do not have the money, this is always a bad idea. If you do not fight the
lawsuit, then you will automatically default and lose your case. Instead, fight
the lawsuit, and give yourself a fair chance to reduce or eliminate your case.


SUED BY HUDSON & KEYSE LLC?

Every year over 10 million people in this country are sued for some kind of
debt. Well over 90% of these people are rendered immobilized so that a default
judgment is usually the outcome. Now, what if you had been sued by a company
that is no longer in business?


SUED BY HARVEST CREDIT MANAGEMENT?

In the unfortunate event that you are served a summons an imaginary clock begins
to tick off time. That 's because when there is a lawsuit filed against you,
there is a limited amount of time for you to take the appropriate action as is
your legal right.


HOW TO WIN A CREDIT ONE BANK LAWSUIT

So, you are living your life doing the best you can, when suddenly you are
served a Summons to appear in court. Now, what do you do? Clearly, time is of
the essence. That much you know but what actions do you take? Whatever you
decide to do, you must understand how critically important the decisions you
make will be in the outcome of the lawsuit.


HOW TO BEAT PALISADES COLLECTION LLC IN COURT

Very few people are ever put in the position of being named in a lawsuit. If
this unfortunate event were to occur to you, the proper action to take is to not
ignore the situation. Once you are served with a summons, you have a limited
amount of time to respond. This response is your legal right.


WHAT TO DO IF MRS ASSOCIATES IS COLLECTING FROM YOU

MRS Associates has made quite the name for themselves, but not for the reasons
you would think. This debt collection company is well-known for its
less-than-appealing business practices, leaving those they try to collect from
annoyed, confused, and often rather angry.


WHO IS SYNCHRONY BANK? — HOW TO BEAT THEM IN COURT

Did you receive a lawsuit via certified mail from Synchrony Bank? If you did, it
is time to act, not shy away from the suit. The stakes are too high for your
credit score and financial future to ignore the lawsuit, hoping it will
disappear. Unfortunately, lawsuits do not go away without action.


HOW TO BEAT AUTOVEST LLC IN COURT

Have you received a debt collection lawsuit filed by Autovest LLC? If so, then
you are part of a large group of individuals that Autovest sues every year in
its attempt to claim debts owed on defaulted auto loan debts. Autovest is one of
many debt collectors that have a mission of buying loan debt from other loan
providers at a discount, and then aggressively going after the debtors in order
to get paid.


BANK OF AMERICA IS SUING ME FOR CREDIT CARD DEBT — HOW TO WIN

Did you just receive a lawsuit filed by Bank of America? If so, then you need to
take action. Unlike a lot of credit card companies, Bank of America does not
tend to sell overdue credit card accounts to other debt collection companies.
Rather, Bank of America will take action to collect on an overdue, or defaulted,
credit card account itself. So, even though Bank of America seems like a
behemoth of a company and you are only one person, you need to push back against
that lawsuit. Why? Because there is a lot at stake.


CAN I SETTLE A DEBT AFTER BEING SERVED?

Typically if you have been served with a creditor's summons, it does not come as
a shock. Most often, you will have known that you were behind in debt payments.
Regardless of whether your summons is a surprise or expected, you must take
appropriate action. This most often comes in the form of settling the debt.


HOW TO BEAT HOWARD LEE SCHIFF IN COURT

Being served is never a fun process, and having a debt collector calling you can
be extremely stressful. Unfortunately, it is very common to be in debt in the
United States. Many debt collectors tend to use fear as a method of pushing you
to pay your debt as quickly as possible. This can lead to ignoring the issue,
which eventually leads to a lawsuit in court.


HOW TO BEAT MULLOOLY, JEFFREY, ROONEY & FLYNN IN COURT

Have you been sued by a law firm called Mullooly, Jeffrey, Rooney & Flynn? Have
you ever even heard of that law firm before? If you have never heard of them and
are wondering why they are suing you, you would not be the first to have those
questions. Mullooly, Jeffrey, Rooney & Flynn is an example of those types of law
firms that primarily sue people who owe money on credit cards, or other loans.
Depending upon the firm or debt collection agency, the tactics of the debt
collectors can range from less intrusive to downright illegal. That said, if you
just received a lawsuit from Mullooly, Jeffrey, Rooney & Flynn, it is something
you should not ignore.


SUED BY WELLS FARGO FOR CREDIT CARD DEBT? FIGHT BACK.

If you have been sued for Wells Fargo credit card debt, it is a lawsuit that you
should not ignore. Even if you believe that you owe the debt, there are still
defenses you can raise, and other issues that might reduce the debt, or remove
it altogether. Therefore, you need to know how to respond to a Wells Fargo
lawsuit, and SoloSuit can help.


CAPITAL ONE IS SUING ME – HOW CAN I WIN?

The ancient biblical story of David and Goliath tells you all that you need know
about the dynamics that exist when a massive financial company like Capital One
sues you in court. The huge financial Goliath doing battle with you, a single
individual just like David, makes you fear that there is no chance that you
could ever win. But, think again. Remember, David won the battle with Goliath!


HOW TO BEAT TARGET NATIONAL BANK IN A DEBT COLLECTION LAWSUIT

Getting sued can be scary. But, just take a breath and remember that you do not
have to take a debt collection lawsuit lying down. If you have received a
lawsuit from Target National Bank, you should not ignore it in the hopes that it
will go away. That is a recipe for disaster and could be worse for your credit
and your financial future. Rather, you should read on and learn how you can
effectively respond to the lawsuit, and maybe even get it dismissed entirely!


HOW TO BEAT A MIDLAND FUNDING LLC DEBT LAWSUIT

You may have heard the phrase: “80 percent of success is just showing up.” Well,
that phrase applies with full force when it comes to being sued by a debt
collector like Midland Funding LLC. To beat them, all you need to do is “show
up.”


HOW TO WIN A PORTFOLIO RECOVERY ASSOCIATES DEBT LAWSUIT

It's a terrible feeling to be served with a lawsuit from a debt collector. Yet,
the worst thing you could do is ignore the lawsuit in the vain hope that it will
all somehow go away. What you need to do if you receive a lawsuit from Portfolio
Recovery Associates, or some other debt collector, is make them prove their
case.


HOW TO BEAT NCEP LLC IN COURT

When a consumer is served with a summons that a suit has been filed against them
by NCEP LLC the clock begins ticking for a response. Being named in a lawsuit
for not paying a debt you may have incurred can be intimidating if not downright
frightening. Because time is of the essence, it is critically important that a
consumer who is being sued, develops the proper strategy to triumph in the
impending legal battle.


SUED BY REUNION STUDENT LOAN FINANCE CORPORATION

It was probably challenging enough to pay off your student loans. If you thought
that undertaking was daunting, then what do you do when you are sued by a
company like Reunion Student Loan Finance Corporation? Despite the stress and
uncertainty of this situation, SoloSuit understands and is here to help.


WHAT IS THE DEADLINE FOR A DEFENDANT'S ANSWER TO AVOID A DEFAULT JUDGMENT?

Getting served with a debt collection lawsuit is typically a stress and
anxiety-inducing event for many people. Your mind may be inundated with
questions and concerns. One of the first questions you may be asking yourself
is, “what is the deadline to respond to the debt collector's Complaint?” This
page provides valuable information concerning the deadlines in each of the 50
states to file your Answer to a debt collector's Complaint.


DEFENDING YOURSELF IN COURT AGAINST A DEBT COLLECTOR

Receiving threatening phone calls and correspondence from a debt collector can
be a harrowing and stress-inducing experience. Unfortunately, millions of
Americans are forced to endure this type of stress and anxiety. In fact,
according to the Consumer Financial Protection Bureau, more than 70 million
Americans reported having encounters with debt collectors. In addition to
hounding calls, many debt collectors will escalate their pursuit by filing a
lawsuit against you.


HOW TO MAKE A MOTION TO COMPEL ARBITRATION WITHOUT AN ATTORNEY

If you are sued by a debt collector, you may be able to avoid going to court, or
at least delay going to be court, by filing a motion to compel the debt
collector to participate in arbitration. Depending on the circumstances in your
case, you could very well file this motion without the assistance of an
attorney.


IF A CAR IS REPOSSESSED DO I STILL OWE THE DEBT?

Car repossession laws can be confusing and extensive. Each state has unique laws
that govern how a lender can repossess a vehicle. That being said, United States
Uniform Commercial Code §9-609 states:


SUMMONED TO COURT FOR MEDICAL BILLS — WHAT DO I DO?

Getting sued for unpaid medical bills can be an intimidating and overwhelming
experience. You are probably getting multiple phone calls and correspondence
from a debt collector seeking repayment. Then, they drop the proverbial hammer
and file a lawsuit against you. In the blink of an eye, you are not confronting
a legal battle where you have been summoned to appear before a judge in court.
If you find yourself in this situation, you need to be prepared, proactive and
possess a general understanding of your legal rights.


WHAT IS A DEFAULT JUDGMENT?— WHAT DO I DO?

If you are sued by a debt collector, there is a finite period of time in which
to respond to the Complaint. If you fail to take action and file a formal
response, you are exposing yourself to the risk of having a “default judgment”
entered against you. If a court enters a default judgment in the debt collection
case, it empowers the debt collector to garnish your wages, extract funds from
your bank accounts, and even seize your property.


WHAT HAPPENS WHEN A DEBT IS SOLD TO A COLLECTION AGENCY

When an account or loan becomes delinquent, there are instances where a bank or
other lender will opt to “sell” the delinquent account to a debt collection
agency. This is often because the lender views the debt as a sunk cost and wants
to try and obtain some funds to help cover the loss. This is where a debt
collection company will appear and purchase the delinquent account at a
discounted rate. Once the purchase is complete, the debt collection company will
release the proverbial hounds to try and collect from you, or they will file a
debt collection lawsuit.


WHAT DEBT COLLECTORS CANNOT DO — FDCPA EXPLAINED

Debt collectors are known for being aggressive, rude, and even threatening in
their efforts to try and get someone to repay an alleged delinquent account. It
is important to understand that you do not have to put up with harassing or
threatening phone calls, letters, social media posts, and so forth. In fact, you
have certain protections from overly aggressive debt collectors through the Fair
Debt Collection Practices Act (FDCPA). The FDCPA is a federal law enacted by
Congress specifically to protect individuals from being subjected to unethical
and abusive debt collection efforts. Unfortunately, despite the protections
afforded under the FDCPA, some debt collectors ignore the law and use unethical
tactics in the hopes that individuals remain unaware of the protections
available under this federal law.


WHAT HAPPENS IF SOMEONE SUES YOU AND YOU HAVE NO MONEY?

Being served with a debt collection lawsuit can be an anxiety-inducing
experience, especially if you are already struggling to stay afloat financially.
The prospect of going to court and defending yourself against a large debt
collection company can be intimidating and potentially overwhelming, and that
fear is often exacerbated when you are down to your last dime and unable to pay
if you lose the legal battle.


CAN A JUDGMENT CREDITOR TAKE MY CAR?

Summary: Losing in court is scary, particularly when you are afraid that a
judgment creditor may try to take your car. Luckily for debtors, all states have
legal exemptions that protect a portion of a car's value from the judgment
creditor. If your vehicle's value falls below the exemption amount, it is safe
from the judgment creditor.


GOING TO COURT FOR CREDIT CARD DEBT — KEY TIPS

If you have not paid a credit card bill, or multiple credit card bills, there is
a high likelihood that the issuer of the credit card will attempt to collect on
the unpaid amount through collections and, eventually a lawsuit. If you are
receiving harassing phone calls and related correspondence from a credit card
company like Visa, American Express, Discover, etc., you are probably feeling
overwhelmed and uncertain about your future. Do not fret. You are not alone.
Infact, there are millions of people across the country who are forced to endure
stress and anxiety related to credit card debt, including debt collection
lawsuits. In fact, according to the Consumer Financial Protection Bureau, more
than 70 million Americans reported having encounters with credit card companies.
In addition to hounding calls, many credit card companies will escalate their
pursuit by filing a lawsuit against you.


HOW TO FIGHT DEBT COLLECTORS IN COURT AND WIN

Receiving threatening phone calls and correspondence from a debt collector can
be a harrowing and stress-inducing experience. Unfortunately, millions of
Americans are forced to endure this type of stress and anxiety. In fact,
according to the Consumer Financial Protection Bureau, more than 70 million
Americans reported having encounters with debt collectors. In addition to
hounding calls, many debt collectors will escalate their pursuit by filing a
lawsuit against you. If you are served with a debt collection lawsuit, it is
important to be proactive and take steps to protect your rights. You should try
to attain an understanding of what happens when you get served with a copy of
the Complaint and what steps are necessary to legally defend yourself against
the debt collector. In that endeavor, here are some tips on how to effectively
defend yourself in court against a debt collector.


SUED BY ASSOCIATED CREDIT SERVICES FOR DEBT?

Receiving a notice of a lawsuit from Associated Credit Services (ACS) is a
serious matter. This Westborough, Massachusetts company has been collecting past
due debts since 1969, and its activities span the entire United States. ACS has
a tried-and-true formula for collecting debts. Usually, it starts with letters
and phone calls. They will try to get you to pay the full debt and added fees
and interest.


HOW TO BEAT SYNCB/PPEXTR IN COURT

For Synchrony Bank/PayPal Extra Mastercard (SYNCB/PPEXTR) to win its case
against you in court, it must prove the essential elements of its case. This is
similar to a prosecutor in a criminal trial. If the prosecution fails to prove
an essential element of the case, the defendant is entitled to a dismissal. In a
debt collection case, if SYNCB/PPEXTR fails to demonstrate the essential
elements, you are entitled to a dismissal.


HOW TO BEAT ASSET ACCEPTANCE LLC IN COURT

If you are being hounded by a debt collection company like Asset Acceptance LLC,
you may be feeling overwhelmed and unsure about your financial future. If the
stress of being borderline-harassed by a debt collector was not bad enough,
there is a strong likelihood that you will wind up getting served with a debt
collections lawsuit. If you find yourself in this position, your mind is
probably flooded with questions, most importantly, “What steps can I take to
beat Asset Acceptance LLC in court?” SoloSuit can help. The information provided
below offers key insights and advice on how to effectively defend and fight
against Asset Acceptance LLC in court.


HOW TO BEAT SUTTELL AND HAMMER IN COURT

If you were sued by Suttell and Hammer for an alleged delinquent debt, it is
important not to give up hope. You also need to make sure you do not simply
accept the allegations in Suttell and Hammer's Complaint as fact. You have legal
rights and protections when subjected to a collections lawsuit and there are in
fact affirmative defenses that can be raised to prevail against the debt
collector in court.


HOW TO WIN A DEBT LAWSUIT AGAINST SECURITY CREDIT SERVICES

If you were served with a lawsuit filed by Security Credit Services, your mind
is probably inundated with questions or concerns, most importantly, “What steps
can I take to beat Security Credit Services in court?” SoloSuit may be able to
help in responding to the debt collection lawsuit. The information provided
below offers key insights and advice on how to effectively defend and fight
against Security Credit Services in court.


HOW TO BEAT VELOCITY INVESTMENTS IN A DEBT LAWSUIT

If you were named as a defendant in a lawsuit filed by Velocity Investments LLC,
your mind is probably inundated with questions or concerns, most importantly,
“What steps can I take to beat Velocity Investments LLC in court?” SoloSuit may
be able to help in responding to the debt collection lawsuit. The information
provided below offers key insights and advice on how to effectively defend and
fight against Velocity Investments LLC in court.


IS PORTFOLIO RECOVERY ASSOCIATES LEGIT? — HOW TO WIN

Receiving repeated phone calls and threatening letters from a debt collection
company like Portfolio Recovery Associates likely means you are feeling stressed
out and anxious about your financial future. This is understandable. Most people
do not expect to receive harassing phone calls and letters from an intimidating
and overly aggressive debt collection company.


WHAT HAPPENS IF YOU NEVER ANSWER DEBT COLLECTORS?

When it comes to communicating with a debt collector, the old adage, “you can
run, but you cannot hide” is applicable. The truth is that, nowadays, it is
virtually impossible to ignore a debt collector entirely. Even if you let all of
their phone calls go to voicemail, debt collectors are relentless and may try to
contact you online through different social media platforms like Facebook and
Twitter. Even if you ignore or block a debt collector online, it will likely get
to the point where they file a collections lawsuit against you in court.


HOW TO BEAT JAVITCH BLOCK IN A DEBT LAWSUIT

If you've fallen behind on your financial obligations (examples: credit card
payments, student loan payments, mortgage payments, etc.), there is a high
probability that one or more creditors will turn your delinquent account, or
accounts, over to a debt collection company like Javitch Block. There is also
the scenario where you are contacted by Javitch Block and are being pursued for
an alleged debt that you do not actually owe. Unfortunately, it is quite common
for debt collection companies to sue the wrong person on a delinquent account.
This is because some accounts are packaged, sold and resold to the point where
basic account information gets lost or mixed up.


HOW TO STOP WAGE GARNISHMENT — EVERYTHING YOU NEED TO KNOW

If an adverse judgment or default judgment was entered against you in a debt
collection lawsuit, there is a strong likelihood that the debt collection
company will attempt to garnish your wages in an effort to collect on the amount
owed. In this difficult moment, it is common for people to think bankruptcy is
their only option. This is not accurate. You actually have a number of options
available to prevent a debt collector from garnishing your wages.


HOW TO BEAT PMAB LLC IN A DEBT LAWSUIT

If you've received threatening and harassing phone calls and letters from a debt
collection company like PMAB LLC, you may be feeling overwhelmed and scared.
This is perfectly understandable, but we want to assure you there is a
proverbial light at the end of the tunnel. You have legal rights, especially
when you are contacted by a debt collection company. In addition, there are
specific affirmative defenses you can utilize to potentially prevail over PMAB
LLC in court.


WHAT SHOULD I DO IF CROWN ASSET MANAGEMENT IS SUING ME?

If you are enduring intimidating and harassing phone calls from a debt
collection company like Crown Asset Management, you may be feeling anxious,
stressed out, and overwhelmed with uncertainty about your financial future.
SoloSuit understands how you feel and are here to help.


HOW TO BEAT CACH LLC IN COURT

If you are being deluged with harassing phone calls and correspondence from debt
collection companies like Cach LLC, you may be feeling overwhelmed and anxious
about the future. You may be concerned that Cach LLC will do something to
irrevocably harm your credit and overall financial well-being. The SoloSuit team
understands how you are feeling, which is why we want to assure you that there
is light at the end of the tunnel. You have rights when being contacted by a
debt collection company and there are certain affirmative defenses you can raise
to prevail over Cach LLC in court, if they decide to escalate the situation and
file a lawsuit.


HOW TO BEAT FIA CARD SERVICES IN A DEBT LAWSUIT

If you received a phone call or letter from FIA Card Services and you are now
asking yourself, “Why is this company trying to sue me for an unpaid debt?” you
are not alone. Each year, thousands of people are hounded by debt collection
companies, including FIA Card Services, and hauled into court for alleged unpaid
debts. If you were served with a collection lawsuit filed by FIA Card Services,
do not give up hope. You have rights and potentially strong defenses that could
enable you to prevail in the debt collection lawsuit.


MEDICREDIT — HOW TO BEAT THEM IN COURT

Receiving multiple phone calls and letters from debt collection agencies like
Medicredit can be a frustrating and overwhelming experience for many folks.
These interactions are usually hostile and feature unethical, improper pressure
tactics to try and persuade you to pay the amount owed.It is quite common for
debt collectors to make false representations and promises. For example, many
people have reported that debt collectors will promise to “immediately” remove
their inquiry from your credit report if you agree to repay the debt. In
reality, the debt collector does not have such authority to initiate an
immediate removal of an inquiry on your credit report.


HOW TO BEAT CAVALRY SPV I LLC IN A DEBT LAWSUIT

Being hounded by a debt collection agency like Cavalry SPV I LLC is oftentimes a
stressful, gut-wrenching and frustrating experience. Why? Because debt
collectors routinely deploy unethical, inappropriate and borderline harassing
tactics to try and get you to pay back the alleged outstanding debt. This means
they will call you on the phone multiple times per day and mail correspondence
to your home filled with false promises or even threats.


DO STUDENT LOANS GO AWAY AFTER 7 YEARS? (2022 GUIDE)

If you took out student loans to pay for an undergraduate or graduate degree,
you may have been surprised to discover that student loan debt impacts your
credit and will appear on your credit report. Many people are surprised because
there is a notion that student loans are “good” debt that is treated differently
from credit card debt and personal loan debt. Regardless of whether student loan
debt is “good” or “bad”, the fact remains that it will impact your credit.


WHO IS JEFFERSON CAPITAL SYSTEMS LLC — HOW TO WIN IN COURT

Receiving a notice from a debt collection company like Jefferson Capital Systems
LLC can be a harrowing, anxiety-inducing event. Why? Because that notice is
often followed by a deluge of harassing phone calls and correspondence from debt
collectors using questionable tactics to try and extract funds from you for the
amount allegedly owed.


IS TRANSWORLD SYSTEMS LEGITIMATE? — HOW TO WIN IN COURT

Getting hounded by a debt collection agency can be a traumatic and
stress-inducing experience. It can also be extremely frustrating when you are
being pursued for an alleged outstanding debt that you do not actually owe.
Unfortunately, there are a number of debt collection agencies that actually
purchase debts from third parties and utilize unethical and aggressive
collection practices to try and generate a profit. Transworld Systems is a prime
example of such a company.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NEW MEXICO (2020 GUIDE)

Summary: Live in New Mexico and need help responding to a debt collection
lawsuit? You can use SoloSuit to guide New Mexican residents quickly and easily
through the process. Few things in life are more stressful than finding out
you're being sued. These days, with money already being so tight, it can be even
more stressful to find yourself on the receiving end of a debt collection
lawsuit. If you know you can't afford to hire an attorney to help you out, it
can be really tempting to want to ignore the lawsuit altogether. But if you do,
that only guarantees that the other side will win, so you need to resist that
temptation as hard as you can.


HOW TO BEAT NATIONAL COLLEGIATE TRUST IN COURT

It is an understatement to say that we are in challenging economic times, and
the issue of student debt is a massive problem for people throughout the United
States. In fact, American borrowers owe over $1.4 trillion on student loans, and
$100 billion of that is in private student loans that come with very few
consumer protections. One of the nation's largest holders of that private
student-loan debt is a company called National Collegiate Trust, and it has a
reputation for using aggressive, even unscrupulous, tactics to collect on those
private loans.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN OKLAHOMA (2020 GUIDE)

Summary: Live in Oklahoma and need help responding to a debt collection lawsuit?
You can use SoloSuit to guide Oklahoma residents quickly and easily through the
process. Getting sued is stressful. Getting sued for debt collection is even
more stressful because chances are you don't have the money to pay off your
debt. Not having enough money coming in is probably the reason you got behind in
the first place. This also means that there isn't extra money available to hire
an attorney to help you out. So now you're faced with the stress of a lawsuit as
well as uncertainty for how to proceed on your own behalf. It can be tempting to
want to ignore the entire thing, but you need to fight that impulse. Ignoring a
lawsuit will result in only one outcome - the person suing you wins.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN SOUTH CAROLINA (2022 GUIDE)

No one ever wants to find out that they're being sued for debt collection. These
days, with everything else going on, it probably feels like too much to handle.
Chances are high that you don't have extra money laying around to hire legal
assistance and are unsure how to proceed on your own. It's tempting to ignore
your debt lawsuit, but unfortunately it won't go away. And if you don't respond,
you are handing victory over to the other side.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN WASHINGTON (2022 GUIDE)

Have you received a dreaded Summons and Complaint about a debt? You might be
tempted to ignore it but that is the worst thing that you can do! Not responding
ensures that you automatically lose.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN RHODE ISLAND (2020 GUIDE)

Summary: Live in Rhode Island and need help responding to a debt collection
lawsuit? You can use SoloSuit to guide Rhode Island residents quickly and easily
through the process. Finding out that you are being sued in a debt collection
lawsuit is very stressful. Chances are that you're already working as hard as
you can to make ends meet, and there isn't anything extra to pay for an
attorney. Responding to a lawsuit on your own probably feels intimidating, and
you may be tempted to just ignore it. This, however, is the last thing that you
should do, because it won't just go away on its own and will probably leave you
in a worse financial bind.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN WEST VIRGINIA (2020 GUIDE)

Summary: Live in West Virginia and need help responding to a debt collection
lawsuit? You can use SoloSuit to guide West Virginia residents quickly and
easily through the process. It's fair to say that life today is already pretty
stressful. Finding out that you're being sued for debt collection may feel like
more than you can handle on top of everything else. If you're already struggling
to make ends meet, chances are there isn't any extra money available to hire an
attorney. It can be intimidating to think about responding on your own and all
too tempting to just ignore it altogether. Ignoring it, however, won't make it
go away. All that does is guarantee that you will lose the case.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN WISCONSIN (2022 GUIDE)

Summary: Live in Wisconsin and need help responding to a debt collection
lawsuit? You can use SoloSuit to guide you through the process in Wisconsin Life
these days is pretty stressful. Chances are you're already doing everything that
you can to make ends meet and keep your family safe. Getting sued for debt
collection on top of everything else may feel like too much to take. You might
be tempted to just ignore it and hope it goes away. Unfortunately it will not go
away on its own, and all you get by ignoring is a guarantee that you are going
to lose and end up in worse a financial state than before.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN TENNESSEE (2021 GUIDE)

Summary: Live in Tennessee and need help responding to a debt collection
lawsuit? Our automated service guides Tennessee residents through the process.
There are a few things in life that are universally stressful. Getting sued for
a debt is one of them. It can feel both scary and overwhelming to receive notice
of a lawsuit against you. It's probably tempting to ignore it and hope it goes
away, but that just guarantees the other side will win. To preserve your rights
and refute any incorrect allegations you need to respond to the lawsuit within
the allowed timeframe. Chances are you can't afford to hire an attorney to help
you out if you're already behind on payments, so you're looking at doing this on
your own.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NEBRASKA (2020 GUIDE)

Summary: If you're facing a debt collection lawsuit in Nebraska, it's important
to take action. This guide breaks down the process of submitting an answer to
your Summons and Complaint, or you can use SoloSuit to respond in 15 minutes.
Wow, I can't wait for that debt collector to call again — said nobody ever. None
of us want to be faced with a debt collection lawsuit, but if you are, the best
way to get a positive outcome in court is to take action by responding to the
Summons and Complaint. Unfortunately this is easier said than done, and the
process can be overwhelming.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN MAINE (2020 GUIDE)

Summary: This guide will show you how to respond to a debt collection lawsuit in
Maine on your own, or you can use SoloSuit to respond in 15 minutes. Many of us
ignore debts that we are unable to pay or believe we do not owe. Especially if a
debt collector is particularly aggressive such as with Covington, or typically
block their phone number, it becomes increasingly tempting to ignore their
communications entirely. But sometimes ignoring a debt can land you in a
courtroom. If you are sued by a debt collector, it is important that you know
exactly how to respond and what your rights are so that you can successfully
navigate the legal system.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NEW HAMPSHIRE (2020 GUIDE)

Summary: Do you live in New Hampshire and need help responding to a debt
collection lawsuit? You can use SoloSuit to guide you through the process in New
Hampshire. It can be pretty stressful to find out you're being sued by a debt
collection agency in New Hampshire. Chances are if you are behind on repaying a
debt that you're already working as hard as you can to make ends meet and cover
your expenses so there's no extra money to hire legal assistance. You might feel
intimidated about responding on your own and tempted to just ignore the whole
thing, but if you do you'll end up in an even worse financial circumstance.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NEVADA (2020 GUIDE)

Summary: Live in Nevada and need help responding to a debt collection lawsuit?
You can use SoloSuit to guide you through the process in Nevada. Finding out
that you're being sued for debt collection can be pretty stressful. It's likely
that you're already working really hard to keep up with paying your bills and
struggling to make ends meet. The idea of facing a lawsuit on your own may feel
like too much to take. Ideally you'd want to get legal help, but if you have
money to hire an attorney you probably wouldn't have fallen this far behind in
the first place. Under these circumstances it may feel really tempting to ignore
the lawsuit altogether, but as you'll learn below that's the worst thing you can
do.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN IOWA (2020 GUIDE)

You were having a good day and then it happened. A knock on the front door. An
unfamiliar face. An envelope full of court documents. It takes a few moments,
but it finally hits home, you are being sued. You are likely panicking and
losing sleep, but you don't need to. This article will provide you with
important information to make responding to a debt lawsuit easier and less
stressful. Keep reading to learn how to answer a summons for debt collection in
Iowa.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN ILLINOIS (2022 GUIDE)

Summary: This article will cover the fundamentals of how to respond if you have
been served with a debt collection lawsuit in the State of Illinois. We will
explain how you can take advantage of SoloSuit's easy-to-use automated service
so you can fight back against legal actions brought by aggressive debt
collectors. What do you call a smiling, courteous person at a debt collector
convention? — The caterer. Debt collectors can be very aggressive, and there are
few things worse than having to deal with a lawsuit from an overzealous debt
collector when you are simply struggling to stay afloat. So, if you are a
resident of Illinois and you have just been served with a debt collection
lawsuit, then you need to know how to respond.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN MINNESOTA (2022 GUIDE)

Summary: Do you live in Minnesota and need help responding to a debt collection
summons? This guide will help guide you through the process. You can also use
SoloSuit to respond in 15 minutes. Minnesota is a unique state when it comes to
debt collection litigation. What makes it unique? Well, a lawsuit can be
initiated simply by a debt collector serving a summons and complaint form on a
defendant. There is no legal requirement for a debt collector to file any type
of formal document in a district court before serving someone with a lawsuit.
This means when you are served with the Summons and Complaint, there is a good
chance you will not see an actual case number. In fact, a court will not have
any record of the debt collector's lawsuit unless and until the debt collector
files a copy of the lawsuit and pays the filing fee.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN MISSOURI (2020 GUIDE)

Summary: Summary: Live in Missouri and need help responding to a debt collection
lawsuit? SoloSuit guides Missouri residents through the process, step-by-step.
“You know what sounds fun? A lawsuit against me.”— said no one ever. Nobody
wants to get sued for a debt. It's stressful and can feel really scary to think
about trying to respond on your own. Chances are, hiring an attorney to help you
out is off the table, because if you had money to pay an attorney you could have
just paid off your debt in the first place! As it stands, you've probably
already been working as hard as you can to make ends meet. So to have a lawsuit
looming in front of you on top of all of your regular challenges can
understandably feel overwhelming. In fact, it may feel really tempting to just
ignore it and hope it goes away.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN MISSISSIPPI (2020 GUIDE)

Summary: Live in Mississippi and need help responding to a debt collection
lawsuit? You can use SoloSuit to guide you through the process in Mississippi.
“I hope I get sued for debt collection today!” — said no one ever. It's fair to
say that facing a debt collection lawsuit isn't anybody's idea of a good time.
More than likely it's a situation that is only going to add additional stress
and worries on top of your already too-long list of daily concerns. Receiving
notice of a lawsuit against you in already trying times can feel both scary and
overwhelming. Chances are you've never been sued before and ideally would like
professional legal help in how to respond. But if you had the money to pay for
an attorney you would have just paid off your debt in the first place! It
probably feels tempting to just ignore it and hope it goes away. It's important
to fight that inclination and protect yourself.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN KENTUCKY (2022 GUIDE)

Summary: Facing a debt collection lawsuit in Kentucky? In this guide, you'll
learn how to respond to the Summons and Complaint in just a few minutes. You can
use SoloSuit to respond now. Receiving a Kentucky Civil Summons for a debt is a
bummer, but you're absolutely not alone. According to the Urban Institute, 37
percent of Kentuckians have debt in collections, which is well above the
national average of 31 percent. If you feel like chucking your Kentucky summons
in the trash, hold up a minute. The best way to give yourself a fighting chance
in court isn't to ignore your summons, but to take action and respond. Even
though you have debt, you still have rights under Kentucky debt collection laws,
and you could see many positive outcomes in court, including not having to pay
your debt at all.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN ARIZONA (2020 GUIDE)

Summary: Use this guide to learn how to answer an Arizona debt collection
Summons on your own or complete the process in minutes using SoloSuit. Not sure
how to Answer a Summons for debt collection in Arizona or if you should even
Answer at all? Once a debt hits the point where a creditor is filing papers with
the courts, it's essential to formally follow up or you risk having a default
judgment made against you. When following-up on the debt matter, it's important
to know and follow Arizona debt collection laws to give yourself the best
footing possible with the courts.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN KANSAS (2020 GUIDE)

Summary: Sued for a debt in Kansas? SoloSuit can help you respond in 15 minutes.
Or read this guide to find out how to do it on your own. Are you being sued by a
creditor or debt collector? It can be very tempting to ignore these matters,
especially when you know you don't have the money to pay. But it is very
important to respond. If you have received a civil chapter 61 warrant, you need
to respond and go to court. Especially if you do not agree with the debt in part
or in full, you should make sure that you respond to the Summons and Complaint.
Responding guarantees that you will be able to state your defenses in court, and
provide evidence backing up your claims.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN HAWAII (2022 GUIDE)

Summary: Have you been served with a debt collection lawsuit Summons and
Complaint in Hawaii?. SoloSuit can help. In this guide, we'll tell you how to
create a quick and easy response to the Complaint in just 15 minutes. If
collectors are blowing up your phone with calls 24/7 or you've received a
Summons and Complaint, you know that being pursued by a collection agency sucks.
On a comforting note, you're definitely not alone. According to researchers at
the Urban Institute, one in three Americans has at least one debt in
collections. At SoloSuit, we talk to people like you every day, and we want to
help. That's why we created this guide.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN DELAWARE (2020 GUIDE)

Summary: Do you live in Delaware and need assistance responding to a debt
collection summons? This guide will help guide you through the process. You can
also use SoloSuit to respond in 15 minutes. Getting served with a summons
claiming you owe a debt in Delaware can be an anxiety-inducing experience. You
may be feeling overwhelmed and intimidated by the prospect of contesting the
lawsuit in court. You may even be feeling scared and uncertain about your path
forward. Do not fret. SoloSuit is here to help you through this difficult time
and has compiled important information to help simplify debt collection lawsuits
so you know what to expect.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN INDIANA (2020 GUIDE)

Summary: Do you live in Indiana and need help responding to a debt collection
lawsuit? Our automated service guides you through the process and makes it
easier. “I just love talking to debt collectors--it's the best part of my day!”
— said no one ever. Being in debt and unable to get out of it can be a wrenching
experience, especially when things get behind and you begin to get calls and
letters from collection people. If things don't get better, and you've tried
working with these people to no avail, they may decide to proceed with a
lawsuit. You may know that this is coming, but not know what to do about it. We
understand. We talk to people just like you every day. We've got you covered,
and will try to make things just a little easier by explaining what to do next.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NORTH CAROLINA (2022 GUIDE)

“You know what sounds fun? Getting sued by a debt collector!” — said no one
ever. No one wants to get sued for a debt. These days it can feel harder than
even to keep up with your bills. Sometimes you just can't pay all of them, so
you have to make some hard choices about which to prioritize. Even if you know
it's coming, it can still feel overwhelming to receive an official court
document stating that you are being sued.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN MASSACHUSETTS (2020 GUIDE)

Summary: Live in Massachusetts and need help responding to a debt collection
lawsuit? You can use SoloSuit to guide Massachusetts residents quickly and
easily through the process. Have you ever heard the phone ring and worried it
would be a debt collector? You're not alone. No one wants to have to deal with
money collectors or even worse get sued for a debt. It's stressful enough when
you're worried about making ends meet. Finding out about a lawsuit may feel like
too much to take. It might not be realistic to hire a lawyer to help you because
if you have money for that you would have just paid your debt off in the first
place! It doesn't have to be overwhelming though to address this on your own. In
this article, you can learn the process of how to respond to a debt lawsuit in
Massachusetts as well as how to answer a summons for debt collection in
Massachusetts.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN CONNECTICUT (2020 GUIDE)

Summary: Are you a Connecticut resident facing a debt collection lawsuit? If so,
we invite you to respond to that lawsuit with the help of SoloSuit. Our
automated service will make responding to the lawsuit and protecting your rights
easy. Did you hear about the debt collector who went to a mind reader? — There
was no charge. That's right. Debt collectors are those aggressive types who do
not have a whole lot going on upstairs. So, if you push back a little by
responding to a debt collection lawsuit, you might find that the debt collector
will back off pretty quickly. That is good news for you.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NEW JERSEY (2020 GUIDE)

Summary: Live in New Jersey and need help responding to a debt collection
lawsuit? Our automated service guides New Jerseyans through the process. What's
so stressful about being sued by a debt collector? Grab some snacks, this may
take awhile. But even though being sued by a debt collector or debt collection
law firm (there are ones who specialize just in buying and selling your debt)
seems like the beginning of a long and scary road, it's actually full of
shortcuts. And we brought the maps. In this article, we will try to ease the
pain of debt collection lawsuits and make the process of responding a little bit
easier. We will give you the right roadmap to answer a summons for debt
collection in New Jersey.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN PENNSYLVANIA (2022 GUIDE)

Summary: If you live in Pennsylvania and are facing a debt collection lawsuit
but aren't sure where to begin, SoloSuit can help. Our automated service will
guide you quickly and easily through the process of creating your response.
“Man, I am really psyched to talk to this debt collector again on the phone!” —
said no one ever. Getting sued for a debt that has gone to collections is
definitely no picnic, but it doesn't necessarily have to be a traumatic
experience. While facing a debt collector can be frightening, under the
Pennsylvania Fair Credit Extension Uniformity Act, you have legal rights that
protect you from debt collectors who act unfairly or abusively. The Pennsylvania
Fair Debt Collection Practices Act also protects you.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN MARYLAND (2022 GUIDE)

Summary: Do you reside in Maryland and need assistance in responding to a debt
collection lawsuit? This guide will walk you through the process If you were
served with a writ of summons for debt collection in Maryland, your mind has
probably been inundated with questions and concerns. You may be feeling scared
and anxious about the future. SoloSuit is here to help. Below, you will find
helpful information and advice on what is needed to answer a summons for debt
collection in Maryland. This list includes information specific to debt
collection lawsuits in Maryland, such as deadlines and forms specific to the
State of Maryland.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN OHIO (2022 GUIDE)

Summary: Live in Ohio and need help responding to a debt collection lawsuit? Our
automated service guides Ohio residents through the process. “Man, I can’t wait
for this collector to sue me already!” — said no one ever. No one likes getting
sued for a debt. It is important that if you are sued you take the appropriate
legal measures to protect yourself. Make sure that you open and read all court
documents and documents sent to you by the plaintiff’s attorney. Do not ignore
these documents, or the summons and complaint itself. This article makes the
process of responding to a debt lawsuit a little bit easier and tells you how to
answer a summons for debt collection in Ohio.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN MICHIGAN (2022 GUIDE)

Summary: Have you been sued for a debt in Michigan? You can use SoloSuit to
respond in 15 minutes. This guide will show you how to respond. “I hope that
phone call turns out to be a debt collector” -- said no one ever. Worrying about
debt collection is never fun. It gets even more stressful when facing a debt
collection lawsuit. It can be intimidating to try to figure out how to answer a
summons for debt collection. Chances are hiring an attorney to defend you is off
the table because if you had extra money to hire one you would have paid off the
debt in the first place! Most of these lawsuits count on that very fact. If you
don't respond within a particular period of time, the Court will hold in favor
of the filer (or “creditor”) with a default judgment.


STATUTE OF LIMITATIONS ON DEBT COLLECTION BY STATE (BEST GUIDE)

Here's the thing: nothing lasts forever, not even debt. That's why we made this
authoritative guide on the statute of limitations on debt collection in each
state. If you've had a debt hanging over your head for a few years, then there's
a chance that it's time-barred by the statute of limitations. For those of you
who aren't lawyers, what that means is that the debt might be too old for the
collector to sue you.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN ARKANSAS (2022 GUIDE)

Summary: Live in Arkansas and need help responding to a debt collection lawsuit?
Our automated service guides you through the process for Arkansas in 15 minutes.
That's less time than it takes to read this article. How many debt collector
jokes are there? None, they're all facts. Dealing with debt collectors is
brutal. It's even worse when you are getting sued by a debt collector. But lucky
for you, we wrote this article to ease the pain — nay, it is designed to fully
reverse the pain and even help you to stick it to your debt collector.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN LOUISIANA (2020 GUIDE)

Summary: Have you been served with a debt collection lawsuit Summons and
Complaint in the state of Louisiana? If so, you should know you are not alone.
Hundreds of Louisianians are sued on a daily basis for supposedly unpaid debts.
You can use SoloSuit to generate your response in 15 minutes. We understand
being sued for a debt is a traumatic experience. However, there is a good chance
you will emerge from this predicament without paying the entirety – or possibly
any – of the alleged money owed as detailed in the Complaint. Furthermore, those
pesky debt collections calls from collections agencies will finally come to an
end. Keep reading to find out how to properly respond to your Louisiana debt
collection lawsuit through a formal Answer and protect your legal rights as
detailed in the Fair Debt Collections Practices Act (FDCPA).


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN VIRGINIA (2020 GUIDE)

Summary: Live in Virginia and need assistance responding to a debt collection
lawsuit? Do not fret. This guide will help you through the process Getting sued
by a company because you allegedly owe money can be stressful and overwhelming.
You may be struggling financially and are concerned about getting stuck in
costly litigation, going to court, testifying before a judge, and so forth. Your
feelings of anxiety and stress are understandable, but they should not consume
you or stop you from taking action. It is important to be proactive and develop
an understanding of what to expect after receiving a summons. This article is
designed to help make the process of responding to a debt lawsuit less confusing
and easier. This article provides a step-by-step overview of how to answer a
summons for debt collection in Virginia.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN OREGON (2022 GUIDE)

Summary: Live in Oregon and need help responding to a debt collection lawsuit?
Our automated service guides Oregonians through the process.  Why do people take
an instant dislike to debt collectors? To save time later.  Getting sued by debt
collectors is no one's favorite pastime. But, in this article we will try to
ease the pain and make the process of responding to the lawsuit a little bit
easier. We will show you how to answer a summons for debt collection in Oregon. 
Before we begin, rest assured: you can fight and win your debt collection
lawsuit.


BYU PERSONAL FINANCE ONLINE COURSE (HOW TO GET BACK ON TRACK AFTER A DEBT
LAWSUIT)

At SoloSuit we focus primarily on helping people bounce back after hitting rock
bottom: getting sued for a debt. The BYU Personal Finance Online Course takes
you back up to the top.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN IDAHO (2022 GUIDE)

“My debt collector is my best friend!” — said no one ever. No one likes getting
sued for a debt. It can be stressful and unfamiliar. But the good news is that
even without any legal training, you can defend yourself. If you read and follow
the steps outlined below, you will learn how to file the right documents to
challenge the lawsuit against you and protect yourself from garnishment.


STOP THE CALLS FROM COVINGTON CREDIT

If Covington Credit is calling you, here's how to make it stop. First, we're
sorry you're going through. Nobody likes being a victim of debt collection.
Especially if they're playing dirty by threatening you, calling late, or saying
they'll have you arrested.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN COLORADO (2022 GUIDE)

“Man, I can't wait for this collector to sue me already!” — said no one ever. No
one likes getting sued for a debt. This article makes the process of responding
to a debt lawsuit a little bit easier and tells you how to answer a summons for
debt collection in Colorado.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN FLORIDA (2022 GUIDE)

““I heart debt lawsuits!” — said no one ever. Getting sued for a debt is
terrible. This article will make the process of responding to a debt lawsuit a
little bit easier and tell you how to answer a summons for debt collection in
Florida.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN TEXAS (2021 GUIDE)

“Nothing brings more joy to my heart than a fresh lawsuit delivered to my door
nice and early in the morning.” — said no one ever. Getting sued for a debt is
hard. This article will make the process of responding to a debt lawsuit a
little bit easier and tell you how to answer a summons for debt collection in
Texas.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN NEW YORK (2020 GUIDE)

"I like waking up in the morning and getting sued” — said no one ever. Getting
sued for a debt is the worst. This article will make the process of responding
to a debt lawsuit a little bit easier and tell you how to answer a summons for
debt collection in New York.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN CALIFORNIA (2022 GUIDE)

Getting sued for a debt is just the worst. This article will make the process a
little bit easier and tell you how to answer a summons for debt collection in
California.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION IN ALABAMA (2022 GUIDE)

Getting sued for a debt is just the worst. This article will make the process a
little bit easier and tell you how to answer a summons for debt collection in
Alabama.


WHY DO DEBT COLLECTORS BLOCK THEIR PHONE NUMBERS?

They hide their phone numbers for two reasons: intimidation and so you can't
block their number.


HOW LONG DO DEBT COLLECTORS TAKE TO RESPOND TO DEBT VALIDATION LETTERS?

Unfortunately, a debt collection agency can take as long as they want to respond
to your request to validate an existing debt.


WHAT ARE THE BIGGEST DEBT COLLECTOR COMPANIES IN THE US?

Alorica Inc., Encore Capital Group Inc. and PRA Group Inc are the largest
players in debt collection in the US.


IS ZOMBIE DEBT STILL A PROBLEM IN 2019

Yes. Zombies never die.


HOW TO FILE AN FDCPA COMPLAINT AGAINST YOUR DEBT COLLECTOR (ULTIMATE GUIDE)

Is someone trying to collect a debt from you? Are you trying to get them to
stop? Do you think you can file an FDCPA complaint against them? If so, then
you've come to the right place! Because we're going to show you exactly how to
fight debt collectors by filing an FDCPA complaint against them.


HOW TO ANSWER A SUMMONS FOR DEBT COLLECTION - THE ULTIMATE 50 STATE GUIDE

How to answer a summons for debt collection in all 50 states.


HOW TO FILE A MOTION TO SATISFY JUDGMENT IN UTAH

This guide is all about how to file a motion to satisfy judgment in Utah. When
you’ve entered into a stipulated payment plan and then finally paid the whole
thing off, you want to get a certificate of satisfaction that shows the debt is
resolved. You do this by filing a Motion to Satisfy Judgment.


SOLOSUIT FAQ

Get answers to the most popular questions about our service.


THE ULTIMATE GUIDE TO RESPONDING TO A DEBT COLLECTION LAWSUIT IN UTAH (2022)

Getting sued for a debt is just the worst. This article will make the process a
little bit easier and tell you what you need to know to respond to a debt in
Utah.


SOLOSUIT

Help
Careers
Privacy Policy
Terms of Service
Legal Disclaimer
Courts
SoloSuit is not an attorney or a law firm. Nor is it a substitute for an
attorney or law firm. We do not provide legal advice nor do we practice law.
This site only contains legal information, not legal advice. SoloSuit is a
self-help tool. This site does not create an attorney-client relationship. We
provide no guarantee regarding case outcomes nor are we liable for any case
outcomes. Use of its products are governed by its Terms of Service, Privacy
Policy, and Legal Disclaimer.