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
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
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
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
Under the Utah Workers Compensation Act, debt collection agencies are not allowed to collect worker’s compensation medical debts from injured workers. Instead, worker’s compensation insurance is required to pay. This is true under the Fair Debt Collection Practices Act as well. Workers Compensation Medical Collection Efforts Work injuries are tragic. To make matters worse for … Read more
Conclusion Clearing up your credit and stopping debt collections of fraudulent accounts can be time-consuming, confusing, and frustrating. It can also be risky. You must swear under oath and penalty of perjury you had nothing to do with the fraud, did not authorize the fraud, and did not benefit from the fraudulent charges. Following these … Read more
If you have received a collection letter or series of collection letters from Midland Credit Management, Midland Funding, or any other company that make false legal threats or deceptive representations you can fight back. Midland Credit Management, Midland Funding, and other related companies are blanketing the country with threats and statements that are sometimes false. … Read more
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