Frequently Asked Questions

So you just got a letter in the mail from a local court that says, “You have been sued by a debt collector attempting to collect a debt!”

Do not panic, and do not ignore it! Read the documents and identify who is suing you and how much they say you owe. If you think it might be a scam, you can call the court where the case is filed to make sure a case has actually been filed. If the suit is real, then be sure to "answer" by filing a written Answer with the court before the filing deadline.

Don’t ignore the lawsuit. If you do that, the person suing you could win automatically, and the judgment from there collect without further notice to you. This can be through freezing banks accounts, assets, seizing of property, affect buying, selling a car or house, and many other means that the laws will allow for.

Responding is important because if you do not respond at all, you can lose the opportunity to defend the lawsuit. The court can automatically rule in favor of the creditor or debt collector. 

When you respond or “answer” the lawsuit, the debt collector will have to prove to the court that the debt is valid and that you owe the debt.Add an answer to this item. 

Only if you want.  if the creditor proves the debt to be yours, and sets a hearing, as long as its negotiated or settled before that hearing date, then no one has to appear. In fact, you'll save money by not having an attorney appear for you.

From personal experience working with attorneys and law firms for over two decades I found one common tactic used to get a client was to build on their fears. Most of the individuals were already deep in debt, living paycheck to paycheck, retired, on disability, or in financial hardship, and in the end fear would get them to pay in legal fees what they could have settled for. In many cases the legal fees came out to more than what the client could have settled for. 

If you hire an attorney for your case and a hearing gets set, most often the attorney will postpone the hearing, and later come to you with a settlement option, but not until you have paid off all your legal fees.

This is done to not overwhelm the client with both legal fees and now settlement payments. Truth is most of the time this strategy that law firms and attorneys use is to ensure they get paid. The bottom line is the client rarely wins. 

We file the response for you, and in doing so, your rights are protected, you wont go into judgment, and now you have a 50% chance that your case will get dismissed. You also get a case manager who will stay with you from the start to the end keeping you and your case on track making sure you don't spend more in fees then you need to. 

In search to find more affordable options to resolving legal debt disputes, I also found several law firms that agree more affordable help is needed. I'm happy to report they have agreed to our "Fee Credit Referral Program". 

We are so confident with this program that if after signing up with us and it doesn't work for you at any time, and you want to work with an attorney, as long as you choose one of our referred attorneys you will be credited any fees paid to us to legal fees assessed by the attorney you choose. You have nothing to lose by letting us help. 

$149.00  only and we'll have your rights protected. 

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