What is a cease and desist letter

debt collecotr call your family

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

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

Ultimate Guide on How to Report Identity Theft

Report Identity Theft

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

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

Negotiate a Settlement or Payment Plan with Collection Agencies, Debt Collectors, and Creditors

negotiate a settlement for debt collection

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

How to Write an Answer to a Debt Collection Lawsuit

learn to answer collection lawsuit

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

Can Debt Collectors Call Your Family to Collect the Debt

debt collecotr call your family

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

Ultimate Guide to the Debt Collection Statute of Limitations in Utah

Ultimate Guide to Utah Debt Collection Statute of Limitations

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



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