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
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
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
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
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