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
Negotiating payments with a collection agency does not have to be complicated. Start by carefully thinking through the situation. In many cases negotiating a payment plan or settlement offer is easier with a debt collector than it would be with the original creditor. Sometimes it helps to explain your financial situation if you are truly … Read more
If you are researching how to write an answer to a debt collection lawsuit using a template or examples for your own lawsuit, stop now. Hire a trial lawyer instead. Online examples or templates of an answer to a debt collection lawsuit can be instructive or educational. Using one in the real world, however, is … Read more
Whether it is legal for debt collectors to call your family members is a complicated question. Generally, debt collectors may not call your family. They cannot collect the debt from your family or disclose the details of the debt to your family. It is legal in some situations when debt collectors call your family. Collection … Read more
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
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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