Identity theft is a growing problem that affects millions of people every year. It can cause significant financial and emotional damage. Recovering from an identity theft event can also be a long and difficult process. That’s why it’s essential to have an identity theft recovery plan in place to protect yourself from identity theft. The … Read more
Numerous websites claim there is a magic 11 word phrase to stop debt collectors from collecting debts. That is false. The notion of an 11 word phrase to stop debt collectors is pretty much an Internet myth. It was created and perpetuated by individuals and marketing companies to sell advertisements and books. The truth is … Read more
One of the most powerful tools used by debt collectors is a writ of execution. A writ of execution is a court order that allows creditors to seize property or money from the judgment debtor. In this article, we’ll explain what writs of execution are, how they work, and what you need to know to … Read more
Injured workers are generally protected from debt collections of medical debts that occur at work. This is true under Utah law and the federal Fair Debt Collection Practices Act. In many cases you do not have to be victim to workers compensation medical debt collection practices. What is the Utah Workers Compensation Act? The Utah … Read more
If Utah County constable Michael Erickson, Utah County constable Rob Kolkman, or any other Utah County constable threatens to sell your personal property at a public auction to force you into a payment plan they might be violating your rights. These are valuable cases so don’t let them threaten, harass, or abuse you. Fight back! … Read more
What is Revenge Porn? Revenge porn laws protect against the distribution of sexually explicit images or videos of an individual without their consent. Revenge porn, also known as non-consensual pornography, often happens when a person shares sexually explicit content, such as nude or sexually suggestive photographs or videos of their partner or ex-partner with the … Read more
A debt validation letter is a written request to a debt collector for information about a debt that they claim you owe. Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request verification of a debt before you are required to pay it. In a debt validation letter, you can request … Read more
A cease and desist letter is a used to request that a creditor or debt collector stop contacting you to collect the debt. Sending a cease and desist letter can be effective at stopping unwanted communications from a debt collector. Under the Fair Debt Collection Practices Act (FDCPA), a debt collector is prohibited from contacting … Read more
If you are being sued by a debt collector, it is important to take the lawsuit seriously and respond in a timely manner. Failure to respond to a lawsuit can result in a default judgment being entered against you. That means the debt collector would be able to obtain a court order garnishing your wages … Read more
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
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