Defending Yourself in Court Against Debt Collectors

Defending yourself in court against debt collectors can be scary and complicated. But it doesn’t have to be hard. Follow a few easy steps and you can answer a civil summons for a credit card debt, medical bill, or other similar collection with confidence. How to answer a summons for debt collection The first step … Read more

Ultimate Guide on How to Report Identity Theft

Report Identity Theft

It only takes a few simple steps to report identity theft. Act now to clear up your good name, repair your credit reports, stop additional fraud, and end the devastating financial and emotional harm caused by credit card fraud and other financial crimes. What is identity theft Identity theft is the fraudulent procurement of your … Read more

7 Examples of Affirmative Defenses in Answer to a Debt Collection Lawsuit

Example affirmative defenses when answering a debt collection lawsuit

Drafting an answer to a debt collection lawsuit is a scary proposition for most people—especially those who have not gone through the process before. While some debtors can’t afford an attorney, the reality is that you actually have some very powerful legal rights when it comes to dealing with debt collectors. This article discusses some … Read more

Ultimate Guide to the Debt Collection Statute of Limitations in Utah

Ultimate Guide to Utah Debt Collection Statute of Limitations

A statute of limitations is a law that limits the amount of time a party to a lawsuit has for asserting specific claims. The length of time allowed is different depending on the claims asserted and the state law governing the case. How long does a creditor have to collect a debt in Utah? In … Read more

5 Steps for How to Answer a Debt Collection Lawsuit

Utah FDCPA Statute

Receiving a Summons and Complaint for a debt collection lawsuit or other court case can be a scary or stressful event. Don’t fret it. A few simple steps are all you need to answer the lawsuit to defend yourself and slow down the collection process or even stop a collection agency in its tracks. It … Read more

Ultimate Guide to Handling a Debt Collection Agency

Debt Collection Agency List

What is a Debt Collection Agency A debt collection agency is a company that is either hired to collect debt on behalf of someone else or it is a debt buyer who purchases bad debts for collections. They use the mail, telephone, Internet, email, text messaging and other methods of communications and information gathering to … Read more

How to File an FDCPA Complaint

FDCPA Lawsuit Strategies

I recently read a disturbing article online that attempted to explain how the average person can and should file an FDCPA complaint against debt collectors under the Fair Debt Collection Practices Act. At the risk of offending the author—that is complete and utter nonsense. Do Not File an FDCPA Complaint You should never file an … Read more

Stop Debt Collectors from Seizing your Coronavirus Stimulus Payment

Coronavirus Stimulous Payment Seizure

Debt collectors are eager to take your Coronavirus stimulus payment. In many cases they will seek to garnish the stimulus money right from your bank account. Congress has not entered any legislation to protect these payments from seizures by debt collectors but there are still a few ways to protect your Covid-19 stimulus payment. Get … Read more

Debt Statute of Limitations in Utah

Statute of Limitations on Debt

By law, a statute of limitations prohibits collection agencies from suing you for old debts. The limitation period varies for different kinds of debt and can be re-started under certain circumstances so never assume a debt collector is barred from collecting a debt under the statute of limitations simply because the applicable time period has … Read more



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