Debt owners go through several challenges. One of the primary reasons for the increased stress in debt owner’s life is the creditors and debt collection agencies who keep calling the person to pay off their debts. Creditors are people who are initially responsible for debt collection. However, when the person does not pay the debt, creditors often sell the lying debts to a debt collection agency for lower prices. The collection agency then takes the matter into their hand and uses extreme ways to extort money from people.
However, you should not be scared of the read language or words the debt collectors use as it is part of their strategy to break you. Sometimes when the situation gets out of hand, you might need a debt collection defense lawyer to help you eliminate abusive debt collectors. If you want to learn more about how a debt collection attorney can help you contact us today!
Situations where you will need a debt collection defense lawyer.
If your debt collector filed a lawsuit against you
Generally, a debt collector does not file a case against any debt owner as they have bought the debts at a low price. However, in some cases, the debt collector might choose to file a lawsuit against a debt owner and take the matter to court.
In such situations, you first must contact a debt collection defense attorney and discuss all the details of your case. Your attorney will then decide the action plan and how to fight the debt collection agency in court.
Never ignore a legal notice sent by your debt collection agency, as it can negatively impact your case. The judge might consider your ignorance a lack of responsibility and pass a default judgment where the collection agency gets legal rights over your bank accounts and assets.
If you do not react to your debt collection case, you might lose your valuables to the debt collection agency. Hence ensure to hire a lawyer as soon as you suspect that the debt collection agency is about to file a lawsuit against you.
If you decide to send a demand letter
If you suspect that your debt collection case will go to court, you will not fight back, and you can send a demand letter to the other party. Demand letters are legal documents you can send to the opposite party to sign if they pay a specific liability. You will not take any actions against them in court.
In most cases, people agree to these demand letters as they do not want to face the legal consequence of completing them.