Let us fight back for you!
If you are sued by a debt collector, the worst thing you can do is ignore the problem and not appear in court. The lawsuit will not go away. If you do not appear in court, you are allowing the debt collector to win "by default" and the collector will likely get a Judgment against you. A Judgment could follow you for up to 20 years and will negatively affect your credit report for 7 years or longer. It will be difficult if not impossible for you to purchase a home while the judgment exists. With a Judgment the collector could:
- Garnish your wages
- Take money from your bank account
- Place a lien on your house
- Take property you have or acquire such a a car
A Judgment Could Haunt You For 20 Years
If you think "I don't need to worry about this because I don't have any wages, money, a car or a house," PLEASE think again. Do you hope to have these things in the next 20 years?
It is much easier to defend or settle the case before a judgment. A judgment can only be set aside under very limited circumstances. And once the creditor gets a judgment, they don't warn you before they freeze your accounts, start garnishment proceedings or place a lien on your house or car.
Talk to an experienced debt defense attorney about your case for free
We focus our practice on helping people with debt problems. We offer a free consultation with an experienced debt defense attorney. When you call you will either speak immediately to David, or his legal assistant Ashley will schedule a time for me to call you back at your convenience. We take calls until 7pm on weekdays (sometimes later) and 9-1 on Saturdays. If you prefer, you can meet in person with David to discuss your case during regular business hours at our main office in Bradenton or by appointment in Sarasota or Venice. During your free consultation David will discuss with you:
- What to expect in court and what will happen if you don't appear
- Legal defenses you may have to the Lawsuit
- Is the debt yours?
- Is the amount correct?
- Has the collector violated State or Federal law with aggressive, deceptive or unfair actions? If so you may be entitled to money damages, and the collector may have to pay your costs to defend the case.
- Has the statute of limitations run? (Is the debt too old to legally sue you?)
- Is it the original creditor or a "junk debt buyer" such as Midland Funding, Cavalry, Cach or Portfolio Associates that is suing you? (Learn more about junk debt buyers)
- Does the debt collector have the paperwork to prove they have the right to collect the debt? The amount of the debt?
- The possibility of negotiating a settlement for less than the amount of the Lawsuit
- The possibility of discharging this and other debt through bankruptcy to get a “fresh start" (Learn more about Bankruptcy)