Can Collection Agencies Keep Calling Me About A Debt That No Longer Is Legally Enforceable?

Collection Calls In Which Bankruptcy Had Not Been Filed. Debts That Are Beyond The Statute Of Limitations: Assuming you have not filed for bankruptcy and the statute of limitations is expired on your debt, the creditor is legally prevented from bringing a legal action against you to recover the debt. The debt is considered time-barred by the statute of limitations. Note however, some states have Read more…

How To Cancel Your Timeshare Contract – Consumer Beware!

Need For More Consumer Protections While federal and state regulation of the timeshare industry has been in existence for decades, specific regulations concerning the timeshare resell market does not yet provide the buyer with the adequate consumer protections. High Pressure Sales Tactics – Legal Cause To Cancel A Timeshare Contract Timeshare resort companies are legally Read more…

Collections Agencies Notoriously Careless

Collection Agencies Are No Mental Giants Collection agencies are notoriously careless in filling out their legal paperwork. This is because collection agencies sue in large volume and expect to win by default, which is unfortunately what usually happens. The debtor is usually in despair ignores the lawsuit and folds. This is why it’s so important Read more…

What Happens If The Collection Agency Can’t Prove Their Claims 

Collection Agency Carries Burden Of Proving Their Claims Since the Creditor- Plaintiff carries the burden of proof go prove each and every element of their claim, failure to offer sufficient evidence to prove the debt, will defeat their claims. You win! Got The Evidence? Knowledge is power and nowhere is this truer then in debt Read more…

Responding To Collection Agency Service Of Summons And Complaint

Proper Service Of Summons Complaint – Possible Responses In most states, once you are properly served, under statute, you will have a specific time period in which to file and serve your written response. In most cases, the written response is called the “Answer”. In many states, the time in which you must file your Read more…