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

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

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

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

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

Business Consumer Complaints

Every year consumers file business consumer complaints in droves. The FTC receives millions of consumer affairs complaints every year. In Utah, the attorney general also receives thousands of similar consumer affairs complaints. Other consumer bureaus receive complaints each year in similar numbers. The shocking part of this story is not how many consumer complaints are … Read more

How to Sue in Small Claims Court

Small claims court is often the best option available to enforce your rights against a deceptive or abusive company. Filing fees are much lower than in higher courts and the procedural and evidentiary rules are relatively relaxed and simple. Indeed, the small claims court judges themselves will typically apply the rules appropriately and fairly and … Read more



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