Consult an attorney. You could benefit from consulting a consumer law attorney. Many attorneys will provide an initial consultation for free, or they might be able to help you prepare for the lawsuit or answer your questions about the lawsuit for a reduced fee.
They understand what happens if a collector gets a judgment against you. The National Association of Consumer Attorneys website allows you to search by area of expertise as well as location. Be careful about how you respond to debt collectors. This can include lawyers who collect rent for landlords. From May 3 through July 31, , a debt collector may have been required to give you notice about the federal CDC eviction moratorium.
That moratorium ended on July 31, Don't see what you're looking for? Browse related questions What is harassment by a debt collector? Can debt collectors call me anytime they want, day or night? What is a debt collector and why are they contacting me? Learn more about debt collection. We were with a DMP for about 2 years and we couldn't even put all the cc on it because we couldn't afford the payment.
We finally came to realize we were fighting a losing battle, between late charges and fees we weren't making any kind of dent in our debt and it was always a struggle to decide what bills we were going to pay what month and still have money for groceries. We met with a bk attourney in Aug. We do plan on filing bk in the near future, but we haven't done so yet. We have not paid on any of our cc since Aug.
Basically we are holding out for as long as we can, we get calls every 10 min from collectors but we don't answer the phone. How long can we expect to hold out before a cc sues? I have read it takes at least a year or two before they will actually sue--is that correct?
So, when someone claims you owe a debt, send them a certified letter telling them why you don't think you owe the debt along with copies of any proof you have. Your odds of being sued will go down tremendously. A good example of this type of situation occurs when a couple divorces.
If the divorce decree states that the wife has the responsibility of paying of the XYZ credit card, then it is unlikely that XYZ will sue the husband when the wife doesn't pay, even though he is legally still responsible for the debt. Because if he is sued, he will appear in court with the divorce decree claiming he no longer has a duty to pay the debt, and the judge might take pity on him and the creditor might lose.
Is the collection letter you received from a creditor or collector unusually harsh? If so, this is a sure sign of a bluff. When a debt collector or creditor thinks that they can't collect a debt, they will send out a very scary letter to try and get you to pay. If you received a letter that seems much too strong for the amount of debt you owe, it probably means that the one thing they won't do is sue you.
The strong letter is a tactic used to try and scare you into paying in full as quickly as possible since they know they can't collect from you.
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