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Since information and knowing how to deal with a creditor lawsuit or creditor harassment is vital to anyone with a debt problem. We have devoted this entire page to that purpose. Lets face it, most likely, you did not get into a debt situation because you felt like borrowing money without paying it back. Most likely, you found yourself in a life changing crises. And while we are strong advocates of personal responsability, we are also advocates of helping to empower individuals to learn to live debt free, and not allow there legal rights to be trampled on.
While American Debt Enders is not a law firm, and as such, we cannot provide you with legal advice, and nothing on this page should be construed as legal advice, we can provide you with information and free resources which can provide enormous help to you, should you find yourself engaged in a creditor lawsuit.
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DO YOU NEED LEGAL PROTECTION FROM ABUSIVE DEBT COLLECTORS
ARE YOU GETTING HARASSED BY DEBT COLLECTORS
Here Is The Program For You:
Listen To The Recording About The FDCPA Program
TalkShoe Radio Broadcast On FDCPA Collection.
YOU HAVE LEGAL RIGHTS THAT WILL EARN YOU $1000.00 DOLLARS CASH
EVERY TIME ONE OF YOUR CREDITORS HARASS YOU!
NOTE: There Is No Upfront Fee For This Program–The Fee Comes From The Recovery.
To Enroll Call 877-766-2465, and Tell The Counselor You Would Like TO ENROLL in The The FDCPA Program.
IT ONLY TAKES 5 MINUTES TO ENROLL! AND COSTS YOU NOTHING!
Some of the biggest problems every consumer faces when in debt are Debt Collectors who violate the Fair Debt Collection Practices Act. The problem is these calls do not simply go away, many times equaling as many as 20 calls per day from the same collector.
We have a solution called “Collection Protection.” It is designed not only to reduce the call volume from collectors, but als to seek out those who are violating the FDCPA Laws. In this program you will not only be educated as to what these laws are, but also catch and identify those that are perpetrating the violations.
Attorney representation will be included on any violation we can prove, and the great feature with this program is that if your rights are violated in this program and we can prove it, your collector may have to pay you! These awards can be as much as 500 dollars per violation.
This program will insure that your rights are protected, by having an Attorney as well as excellent customer service proactively assisting you with creditor phone calls. We will also provide you with the necessary technology and customer service assistance to identify and report these violations
This program has no enrollment fee can be added to any program you are currently in.
TO LEARN MORE, CALL: 877-766-2465.
DO YOU NEED A HIGHER CREDIT SCORE?
CALL 1-888-586-2661 TO SPEAK WITH A CREDIT RESTORATION SPECIALIST
To Purchase Self Help EBOOKS covering topics on this page Visit:
Before we proceed, Make sure you document every telephone call and other type of contact you have with any debt collector.
If you would like to speak with us about any of the Debt Relief Programs we offer,
IF YOU NEED IMMEDIATE HELP
Call us TOLL Free at: 877-766-2465, or,
Email us at: Help@americandebtenders.com,
or Leave your contact information at: Contact Us.
TO STOP CREDITOR CALLS, CLICK ON THE CALL GUARD BANNER TO THE LEFT
Second: Consider this to be some of the best advice ever given to anyone: If you are served a summons by a creditor–DO NOT IGNORE IT. Also, Do Not Panic–because it is not the end of the world. If you are enrolled in a debt settlement program, first , contact them to let them know. If you are enrolled in a Debt Management Program, let them know. Next, if they cannot forestall the lawsuit and want you to answer it, but you cannot afford an attorney, then please use the free resources found on this page for guidance.
In doing the research for this resource page we came across an interesting site. It is called DEBT SOLVENCY GROUP American Debt Enders has no affiliation with this company. For $29.00 you can purchase a packet to handle almost any debt situation, and even speak with someone trained to answer questions. If you are in a bind, this site is definately well worth a visit.
DO YOU NEED FREE LEGAL ADVICE?
Attorneys Forum – Legal Help and Law Discussion Forums.
IF YOU HAVE ALREADY BEEN SERVED WITH A SUBPOENA READ HERE:
If you ignore the subpoena, the creditor will be awarded a default judgement. This means the court awarded the creditor the right to go after any bank accounts you may have, or even garnish your wages.To avoid all this, you must answer the complaint. To this end we ask that you visit the legal-aid.org website: Legal-Aid.org – It provides detailed information on the process of how to answer a creditor lawsuit.
Also, please read the article from our Free Credit Counseling Newsletter titled: Handling Creditor Lawsuits.
Do not allow yourself to be overcome by fear. As a debtor you have plenty of rights. It is just a matter of learning how to take full advantage of them all. When you file an answer to a subpoena you put the ball in play. Since most collection attorneys operate by trying to instill fear, and count on the fact that if they cannot force you into a bad deal, then they assume you will not answer the subpoena and they will easily get a default judgement. Once you put an answer in, you change the rules. At the very least, you make the creditors attorneys more amenable to a just settlement, because they really do not want to appear in court, and, they know, that if you do your homework, you can cause a significant delay to the entire process. This page will be continually updated to provide you with the best information we can find to help you become self empowered and debt free.
IF YOU RECEIVE NOTIFICATION OF A JUDGEMENT:
If a judgement has been issued against you and you were never served properly, or have another legitimate reason for not answering the summons, you can go to the county clerks office where the judgement was issued and see the clerk, and ask for the papers to overturn the default judgement. If you have a valid reason, you may get the default judgement vacated and get your day in court. If you are successful in getting the judgement vacated, you will still have to appear in court and put in an answer to the original complaint.
WHAT ABOUT THE FAIR DEBT COLLECTION PRACTICES ACT?
The Fair Debt Collection Practices Act was created to set the ground rules governing what debt collectors could and could not legally do. It is important to note that it applies to collectors and third parties, not to the original creditor. You can read the entire act by clicking the link in the previous sentence, it is clearly laid out and written so you can understand it. Here are some easy links for specific areas you may want to know:
What does the act say constitutes creditor harassment and abuse? Use this link: Debt Collector Abuse.
What are false and misleading representations? Use this Link: False and Misleading Representations If you think you are the victim of abuse by a collector, scroll up to item one above, and click on the collection fighters link. Tell them the facts and see what they say.
What About Debt Validation? Use this link to learn about having a debt collector validate your debt: Debt Validation
Remember, Debt Validation is generally not a tool you can use after you have been served.
If you decide to send the debt collector a debt validation letter here are some key elements you need to include in your request: Elements for Debt Validation Letter
Many debtors have stopped Collector Collection Efforts because debt collectors were not able to provide the validation information.
DO YOU NEED TO LOOK UP CASE LAW? Here is where to do it: GOOGLE CASE LAW LOOKUP.
LIVE CHAT HELP FOR CREDITOR PROBLEMS
We have located an excellent site which has a Chat Forum that deals with issues like creditor harrassment, how to handle a subpoena, and more. The Forum is extremely active and you can get many opinions on your particular problem. The link is Credit Info Center.
Disclaimer: This page is not intended to replace the advice of legal counsel. American Debt Enders is not a law firm, and cannot offer legal advice.