Debt Collection Blog

There are many debt settlement companies out there offering assistance, but not all debt settlement companies are legitimate. In this article, SoloSuit reviews Debtconsolidation.com to help you determine if collaborating with them to settle your debts is worth it.

Settling your debts can rid you of outstanding loans you can no longer keep up with. Once you finish the process, you’ll be in a better place to manage your money, but simply making the decision to settle your debts isn’t enough, however. If you don’t plan on managing your debt settlement process yourself, you’ll need to find a company you want to work with. There are many debt settlement companies out there, but one of the most popular is National Debt Relief.

When you enroll in a debt settlement program, the debt specialist informs you that you must open an account to make deposits. Global Holdings is among the leading companies in the United States that offer these services. They handle the deposits and make payments to creditors and debt collectors. Today, SoloSuit will take a closer look at Global Holdings' debt settlement reviews and its business practices. Before we dive into it, let's first understand how Global Holdings works.

If you’re facing a mountain of debt, you probably want to get rid of it — and the sooner, the better. Should you attempt to handle it independently or get assistance from a professional, like a debt settlement lawyer? Let SoloSuit explain when it’s time to get out the big guns and when it’s okay to handle the situation yourself.

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If you’re considering debt settlement, you’ve probably researched how it works and are seeking a company to handle the process for you. Century Debt Settlement is a popular option, but what kind of reviews does it have? In this article, SoloSuit breaks down everything you need to know about Century Debt Settlement before signing up for its services.

If you’re embarking on a debt settlement journey, you’ll want to find a company that isn’t looking to scam you out of your money. After all, you’re probably going through the process because you need financial help — you don’t want to worsen the situation. Are you wondering, “How do I know if a debt settlement company is legitimate?” Here are a few of the things you’ll want to look at.

The FDCPA is a comprehensive piece of legislation that sets rules for communications between debt collectors and consumers. All debt collectors must adhere to this law. If their actions violate any of its provisions, consumers can file a complaint against them and potentially receive compensation. It’s essential to report a violation of the FDCPA to the Federal Trade Commission (FTC) immediately. That way, the FTC can investigate and request the debt collector stop their illegal activities. Your report can protect you and other consumers.

If you’re like most Americans, you probably have a credit card. According to the Federal Reserve, 81% of Americans over age 18 have at least one credit card, and 63% of cardholders admit to carrying a balance on their cards sometimes. Credit card terminology can be confusing. For example, if you have a credit card that you’re making payments on, you may wonder, “What is the amount of money you still owe to their credit card company called?” It’s called your credit card balance.

If you’ve ever been sued for owing a debt in a different state, then this article is for you. Your case is in the right venue if the plaintiff filed in a court dedicated to your specific matter, usually small claims court, and the courthouse is in the most convenient location or where the civil action occurred. If a collection agency files a case in the wrong venue, as a defendant, you can object and request the judge for a venue change.

The purpose of credit counseling is to assist consumers with financial difficulties. Credit counselors are trained to help people with a wide range of money issues, like debt management, budgeting, home purchases, and insolvency. Credit counseling is helpful, but being financially literate is even more important because it helps you avoid economic distress by preparing you to deal with specific financial obstacles. When dealing with finances, it is crucial to both understand how credit counseling works and become financially literate. In this article, we’ll explore each of these concepts in detail.

If you’re the subject of a debt lawsuit, you’re likely wondering how to avoid a judgment. Paying the debt in full will stop any legal action against you. However, you can attempt to settle the debt for a percentage of what you owe if you can’t afford to repay in full. Settling a debt involves paying a lump sum in exchange for dismissing the lawsuit and other collection activities. In this article, we’ll explain how you can settle a debt in Illinois.

The Telemarketing Sales Rule (TSR) is a regulation established in 1995 by the Federal Trade Commission (FTC) under 16 C.F.R. Part 310. It protects consumers from unwanted telemarketing calls and deceptive sales practices. The law also outlines payment restrictions for the sale of certain goods and services by telemarketers. One of these services is debt relief. If you find yourself struggling with debt, you may consider reaching out to your creditor or debt collector to settle the debt. In this article, we’ll discuss how the TSR applies to debt settlement services and how you can protect yourself from scams and unfair practices.

ACS Ed Services (also known as Conduent Education Services) was once among the largest loan servicing companies contracted by the Department of Education. At some point, it was the leading student loan company with a record of receiving a $2 billion federal contract. On September 1, 2019, it ceased all its student loan services. The pending accounts were transferred to other loan servicers. After the transition, confusion occurred among borrowers, but the loan terms and payment options did not change.

If you receive a debt collection notice from EOSCCA, you likely won’t recognize them. Included in their letter should be information related to the debt that you may owe. This information should include the original lender, the account number, and the amount of the debt. However, before succumbing to the debt collection letter and simply paying it off, make sure that this is a legitimate debt that you do, in fact, owe.

The term liquidation can be confusing. For example, you say you have liquidated the debt when you pay off your credit card debt. However, that is not the same as a liquidated debt. Additionally, if real property is seized to pay off your outstanding balance, that's property liquidation. So what is liquidated debt or unliquidated debt?

If you receive notice of a debt collection lawsuit, you face a potential judgment from the court. A judgment grants creditors and debt collectors additional rights, allowing them to garnish your wages or place a freeze on your bank account. Depending on the type of case they have, they might even be able to seize your property. Fortunately, settling your debt is usually possible before your court date. Debt settlement helps you avoid a judgment and move on from the obligation. If you’re interested in settling your debt in Nebraska, there are a few steps you’ll need to take.

Debt settlement requires you to pay a certain amount to your creditor in exchange for them dismissing the claim against you. If you’re successful, you won’t need to worry about the overdue obligation anymore, and you’ll avoid a judgment. In this article, we’ll explore Florida debt settlement and everything you should know to settle your debt there.

If you wonder how debt can create wealth, the answer is on the surface. If you use the money in ways that enable you to build wealth, borrowing money might be beneficial. On the other hand, borrowing money might be detrimental if it leaves you broke and in debt. Below, we describe several debts and how you might use them to your advantage.

If you’ve received notice of a debt lawsuit against you, it may seem like the end of the world. No one wants to go to court or be stuck with a judgment against them. Fortunately, settling the lawsuit before your court date is possible, which can avoid a judgment and stop future collection activities against you. Let’s walk through how the debt settlement process works in Montana.

Many South Carolina citizens have avoided filing for bankruptcy through debt settlement. Creditors and debt collectors who accept debt settlement often want to close delinquent accounts to improve their portfolios. Others want to get a small margin of the revenue rather than lose the whole amount. Consider debt settlement if you still have an income stream. You can plan to save around 60–80% of your entire debt amount. Afterward, approach the creditor through a debt settlement company or on your own and offer to pay off the debt. In this article, we will cover how to help you get the best settlement deal in South Carolina.

If you find yourself unable to get your payments back on track, your creditor may try to take legal action against you. They’ll file a debt lawsuit, and you’ll need to make arrangements to settle the matter before your court date or face a judgment. A judgment can make your life miserable, giving creditors and debt collectors the right to freeze your bank account, garnish your wages, or even seize your property. In this article, we’ll discuss how to settle a debt in Wyoming before going to court and the laws you need to know to protect yourself.

Choosing between a professional living trust and a will depends on your particular circumstances and the sensitivity of your family situation. For instance, do you want your estate to go through probate, for guardians to be named for your children, require property transfer while still alive, or have witnesses present?

If you’re facing a debt lawsuit in Arkansas and cannot afford to repay the debt in full, you can attempt debt settlement. Debt settlement allows you to resolve the debt for a lesser amount than the total value of the obligation, avoid a judgment, and stop future collection efforts.

If you’ve received notice of a pending lawsuit against you for debt in Vermont, there are steps you can take to settle the matter before your court date. A settlement protects you from the possibility of a court-ordered judgment, which will allow your creditors to increase their collection actions against you by garnishing your wages or freezing your bank account. Settling your debt isn’t too complicated, but it takes a little time and know-how. You should also understand Vermont’s laws concerning debt collections. This article has everything you need to know to settle your Vermont debt.

Facing a debt lawsuit will make anyone worry about their financial future. No one wants to suffer the repercussions of losing a debt lawsuit, which may include a judgment that allows the creditor to garnish wages or even freeze bank accounts. Fortunately, you have alternatives if facing a debt lawsuit in Utah. You can attempt to settle your debt before your court date, allowing you to save some money, resolve the issue, avoid a judgment, and start over financially.

Debt settlement can be the solution to get out of debt when keeping up with monthly payments becomes challenging. It is a method that has helped millions of consumers get out of debt to avoid plunging deeper into debt or filing for bankruptcy. Debt settlement entails paying a creditor or debt collectors a significant percentage of what you originally owed—after making a settlement offer directly or through a debt settlement company. Once you make the payments, the debt is marked as paid and any pending lawsuits are withdrawn.

Most consumers drowning in debt would appreciate a fresh start to rebuild their financial status and improve their credit scores. Debt settlement is an option to consider if you have a consistent income that you can save for several months and then offer to clear the debt for less than you originally owe. You can also plan for settlement if you anticipate a lump sum from an investment or a gift.

Legal aid offers assistance to people living at or below the poverty line and who cannot afford legal help, granting them better access to services in the civil and criminal justice system. While the sixth amendment gives a right to counsel in all criminal proceedings, that provision is not included for civil matters such as debt lawsuits or family matters. Hence, legal aid providers do their best to bridge this wide gap by protecting the rights of low-income people in areas such as housing, consumer, employment, family, and education. For example, SoloSuit offers legal aid to people with debt-related matters.

Few things are as stressful as a lawsuit. If you’re an Arizona resident who’s been sued over debt, you have a limited window in which to act. What are your next steps? How can you settle your debt as quickly as possible? Here’s a simple, step-by-step guide to help you settle a debt in Arizona.

For years, it was acceptable for employers to hire, fire, or promote employees based solely on their age. Older workers, especially, suffered because of the unsubstantiated belief that they had too little to offer. But that changed with the establishment of the Age Discrimination in Employment Act (ADEA) in 1967. This article will unpack the Age Discrimination in Employment Act (ADEA) using less plain language to help you identify this illegal practice at your workplace.

False imprisonment, also known as unlawful imprisonment in the first degree, typically occurs when a person intentionally restrains another person from free movement or leaving a particular location without consent. The movement can be restricted in a vehicle, building, street, or any other place where a person is held against their will. In this article, SoloSuit will give you more information on false imprisonment by explaining the situations that qualify as false imprisonment, the elements required, and the viable defenses.

Facing a debt lawsuit in Wisconsin is stressful. If you don’t take action, your creditor may obtain a judgment against you, allowing them to garnish your wages or freeze your bank account. Fortunately, you can attempt to settle the debt before your court date and avoid a judgment. Here’s how.

Receiving a debt collection lawsuit can worsen a bad financial situation if you do not know how the courts work or if you feel overwhelmed and fail to respond to the lawsuit. Arkansas residents do not need to remain in the dark regarding their case information. You can access your case files online or in-person by visiting the courthouse where the lawsuit was filed.

Are you being harassed by a company known as Cavalry SPV? Are you clueless about who this company is or how it got your information? If so, you’re not alone. Cavalry SPV is one of the nation’s largest debt purchasers in the United States. They regularly purchase old obligations from large banks and creditors, including Wells Fargo and CitiBank. Cavalry SPV is one of those debt collectors, and they often engage in underhanded tactics to collect money from unsuspecting consumers. The group’s subsidiary, Cavalry Portfolio Services, LLC, performs most of its debt collection activities. Wondering how to settle a debt with Cavalry SPV? Here are your options.

Taking out a student loan is a path to further education. It can be a better option than paying your own way through school, but it comes with certain obligations. Like any type of loan, student loans come with a long list of pros and cons. If you’re considering financing your education through a student loan, you should understand these pros and cons before taking any action. In this article, we’ll go over some basic advantages and disadvantages of student loans and how to get out of student loan debt.

If you owe a debt to Capital One, you’re not alone. Many people have difficulty keeping up with their credit card payments. There are a few ways you can reclaim your financial health and overcome your debt with Capital One. In this article we’ll explore these options and more. Let’s get right to it.

Millions of customers use Wells Fargo for their financial needs, and many have credit cards, personal loans, or mortgages with the company. However, people who face financial difficulty may find that they can’t meet their minimum payments with their loans. Let’s talk about potential solutions for managing your Wells Fargo debt.

Having an account with Navy Federal entitles you to certain benefits, including low-cost loans and credit cards. You can also get a mortgage or home equity line of credit (HELOC) as a Navy Federal member. However, sometimes people face unexpected difficulties, and they can’t make payments on their Navy Federal credit card or loan. If you find yourself unable to satisfy your obligations with your Navy Federal debt, you have a few options. You can attempt to set up alternative payment arrangements, get a debt consolidation loan, or settle the debt. Here’s how.

If you have debt you can’t seem to get rid of, you may consider debt settlement. Debt settlement allows you to pay a percentage of your debt in one lump-sum payment to resolve it once and for all. Once the creditor or debt collector receives the money, they close your account and your debt goes away. Debt settlement is a great way to save money, get rid of badgering debt collectors, and give yourself a financial refresh.

Owing an old debt can be very frustrating. Somewhere in your mind, you’re aware of the lingering money you owe, and you wonder how you’ll pay it or if anyone will pursue you for it. Debts don’t usually go away on their own. A creditor may grow tired of pursuing you and write the debt off, but they’ll usually sell it to a debt collection agency. Once a debt collection agency purchases your old liability, they’ll begin a collection process that may be even more annoying than that of your original creditor. In some cases, the debt collection agency is a law firm.

American Express is one of the largest and oldest credit lending institutions globally. The company first opened in 1850 in downtown Manhattan. According to Forbes, American Express is one of the most valuable companies in the world. AMEX requires customers to make higher minimum payments toward their balance than other creditors. Clients with financial problems sometimes have difficulty meeting the minimum payment and fall behind on their obligations. Fortunately, you have options if you can’t pay your American Express bill. Let’s discuss potential solutions for paying off your debt or settling it.

Debt settlement has assisted countless Maryland consumers drowning in debt. It helps them deal with the most urgent debts, relieving them from the pressure that builds when debt collectors won’t stop calling. If you’ve been sued for a debt in Maryland, it isn’t too late to settle. You can reach out at any stage of the debt collection process, including during a debt lawsuit, to settle. This article will explain how to reach a reasonable settlement agreement with Maryland creditors and debt collectors.

Is debt standing between you and financial freedom? Or, are you looking for a way out of debt without using bankruptcy? Then debt settlement may be the method you need to become debt-free. This method allows you to pay off the most urgent debts, often for less than you originally owed.

Following bankruptcy, consumers often feel relief. Their debts are gone, and they can start from scratch with a blank financial report card. However, communication can often fall through between consumers and creditors during bankruptcy. Bankruptcy lawyers will notify current creditors of their client’s petition for bankruptcy, but creditors will occasionally have already discharged their client’s debt.

If you’re seeking to eliminate your debts through settlement, congratulations! With debt settlement, you can wipe out your old obligations and start your new life unencumbered by the neverending cycle of minimum payments and debt collectors. Before starting the debt settlement process, you’ll need to understand how it works, including what to ask for in the agreement. You’ll also need to prepare yourself for inevitable negotiations. Depending on the number of creditors you have, you may need to speak with multiple companies before you become debt-free.

Owing unpaid money to any lender is never ideal, but it can be even more challenging if you cannot stick to your regular payments with the creditor. If you owe money to a creditor such as Bank of America, you’ll need to make some decisions. You can attempt to negotiate a repayment agreement, consolidate your debt, or settle it.

You probably have a few debts you're responsible for, like a credit card or medical bills. If you don’t keep up with your payments, your creditor will likely step up collection efforts. You might receive a lot of calls, emails, or letters from the creditor or a debt collector working on their behalf. If you don’t return to making your monthly payments, your creditor will probably charge off your account. They may sell it to a collection agency or take legal action against you.

Rhode Island citizens have multiple debt settlement companies that can help consumers get out of debt. Legitimate companies use proven methods that are legal and supported by the government. They operate under strict laws to ensure consumers are not scammed. When you choose debt settlement to manage your debts, you initiate contact with the creditor and offer to pay a small percentage of what you owe. After they respond with a counteroffer, you can increase your offer by a small margin and wait for their response. Once an agreement is reached and paid off, they will report the debt as settled to the credit reporting agencies and dismiss any lawsuits against you.

Is your balance with Citibank keeping you up at night, causing stress about what your financial future holds? Are you unable to keep up with your minimum payments with the lender, or do you want to eliminate them so you can redirect your money toward meeting your basic expenses? If you’re tired of dealing with Citibank, you’re not alone. There are many alternatives available for eliminating your Citibank debt.

Credit card debt can haunt you. So can debt collectors. But if you try not to think about it, the problem will eventually go away, right? Wrong. Unfortunately, if you’ve been receiving phone calls or letters from Chase Bank, or someone claiming to represent them, you’ll need to formulate a game plan before things get worse. Your best bet is to settle your debt for a lower amount, which can save you money as well as prevent you from going to court. Here’s how the process works.

A new year inspires new goals, and for many, reducing debt is one such goal. If you feel like you’re drowning in a sea of debt, it can seem nearly impossible to surface from it. One way to tackle overwhelming debt is to pay more than the minimum monthly premiums. To do that, you may need to free up extra cash to put toward paying off debt. This means cutting down on expenses. But where do you start, especially in a tough economic climate? Here are five ways to reduce expenses and free up money for debt repayment.

Are you worried about your debt situation and wondering what to do? Maybe the debt collectors call multiple times a day, or you've already received a lawsuit. Either way, don’t despair. It’s not too late, and you can still take action and begin your journey to becoming debt-free. Debt settlement is an effective way of paying off your debt by accumulating some money and making an offer to your creditor (or a debt collector) to clear the debt for less than the initial amount. This method is best used for the most pressing debt to work your way out of other debts.

Owing debt is hard, especially if it prevents you from living the kind of life you’d like to lead. You might have been able to make minimum payments for a while, but sometimes things happen that make you fall off track. In the worst cases, a creditor or debtor will sue you for unpaid debt. If you receive a notice that you’re being sued for debt in New Jersey, you may be wondering how to handle it.

If you’ve recently received a letter from Portfolio Recovery Associates, LLC, you may wonder who the company is. This letter probably means that you owe money for an unpaid debt with an old creditor. Since you likely never heard of Portfolio Recovery before receiving the letter, why would you owe it money? Portfolio Recovery Associates is a debt collector that purchases overdue consumer and business debts, including credit cards, medical debt, and other types of loans. Once it receives your account from a creditor, it will begin contacting you to set up a payment arrangement.

Being in debt can feel like a pit in your stomach that never goes away. The situation can worsen if your creditor, or debt collectors, contact you multiple times a day or take you to court. Even when things get to this point, debt settlement is a viable option you can use to salvage your financial situation. Debt settlement occurs when you offer to pay off a debt to a creditor for less than the original amount. In some situations, the creditor can also approach you when they perceive you may not pay the debt at all—after you miss several months of payment.

Receiving notice of a debt lawsuit against you is scary. You’re likely wondering what will happen if you lose and how a judgment will impact your wages and bank account. Fortunately, you have a better option: Settle the debt ahead of time to prevent a judgment and its consequences. So, if you’ve been sued for debt in New York, this article will teach you how to respond to the lawsuit and work out a settlement before your court date.

At any time, you may need legal aid. A divorce, death, child protective services (CPS) investigation, lawsuit, or even a landlord-tenant conflict can leave you feeling lost, stressed out, and unsure of what to do. But legal aid allows you to get help from an attorney for your legal problem. There are over 750 separate and independent civil legal aid providers in the United States. These providers are primarily staff-based and funded by many sources. A total of over 900 pro bono programs and hundreds of law firm pro bono programs supplement this system.

Learning that you’re the subject of a debt lawsuit is troubling — especially if you don’t have the money to repay the bill before your court date. While you can try to set up a payment arrangement, many creditors don’t like long-term repayment plans. Instead, winning a lawsuit against you can give them access to your money through wage garnishment and other methods. There is a way out of this situation that will save you money, satisfy your creditor, and end the collection activities against you for good. It's called debt settlement.

If you’re embroiled in litigation, you may wonder how long your case will take to resolve. Lawsuits are often complex, and it can be frustrating if your claim seems to be dragging on with no end in sight. The time it takes to settle a lawsuit can vary significantly from case to case. Some lawsuits settle within a few months, while others go to trial and can spend years in court.

If you have an old debt dragging you down, you may be looking to settle it. Settling debts allows you to pay a reduced amount to the creditor, typically 50% of its original value. In exchange for your payment, the creditor agrees to absorb the remaining amount due to them, and you’re free from further collection efforts.

Few things are as terrifying as a lawsuit. Going to court over credit card debt can cost you time and additional money, and it may even be embarrassing to take time off of work for a debt-related lawsuit. Is there a way to settle credit card debt before going to court? The answer, fortunately, is yes. This guide will help you learn how to settle your credit card debt and avoid the additional expense and hassle of a court appearance.

Is debt the root cause of all your troubles at the moment? How do you find relief from the most pressing debt or the most aggressive creditor? Debt settlement can be the method to use to help you clear a debt that creditors are persistently pursuing. Debt settlement in Pennsylvania involves offering to pay a creditor or debt collector collector a lump sum percentage of the outstanding debt.

Do you have an unpaid debt you wish would disappear? Have you had a lawsuit filed against you by a creditor in an attempt to collect a debt? If so, you may be wondering what to do next. After all, ignoring the lawsuit won’t make it go away and will probably make matters worse. If you’re struggling with debt in Mississippi and are facing a lawsuit because of it, you can settle your debt for less and regain your financial freedom.

Have you received a Summons in the mail for a debt lawsuit? Getting sued for a debt you owe in Alabama can be frightening and anxiety-provoking, especially if you’re concerned about repaying the debt before your court date. You may wonder where you’ll come up with the money or if you can fight the lawsuit in court.

Discover Financial Services is the third-largest credit card company in the United States. Aside from its massive footprint in the credit card sector, the company also offers traditional banking services, home equity loans, personal loans, and student loans. Despite the numerous customers that choose to do business with Discover, the company currently has a one-star rating with the Better Business Bureau. Discover customers frequently complain about its collection practices and differences between the credit offers they receive and the actual interest rates charged. If you’ve got debt with Discover, you likely want to get rid of it quickly. Here are your options.

The Federal government works with the state of Florida to assist workers who are unemployed for reasons beyond their control. The Florida Reemployment Assistance (Insurance) Program helps residents care for their financial needs until they find work. The Department of Economic Opportunity (DEO) is responsible for this program.

You may be attracted to the idea of borrowing money to pay current loans, especially if you struggle to keep up with repayments. Some consumers use the opportunity to increase their spending. But as exciting as it sounds, debt consolidation can cause some serious financial issues. Whether it is wise to consolidate debt or not depends on your needs. Before incurring additional liabilities, you should determine if the new loan will solve your underlying issues. This article will discuss the pros, cons, and other variables of debt consolidation so you can decideestablish if it is right for you.

If you owe a debt that you can’t afford to repay, you may consider settling it. The settlement process involves paying a portion of the amount owed in return for wiping your account with the creditor clean. Sometimes, creditors agree to a settlement, especially if they don’t believe you can fully repay them.

Are you caught in a debt trap that you can’t seem to get out of? Maybe you are making regular payments on obligations, only to see most of your money go toward interest and not your loan's principal. You might struggle to make regular payments and find yourself with little disposable income to put toward savings or retirement.

Debt collectors and portfolio buyers like CKS Financial are the worst callers for consumers to handle. They are aggressive, persistent, and sometimes abusive in their collection attempts. There is no doubt their efforts can seriously stress you out.

Debt settlement continues to assist countless consumers in regaining their financial life by allowing them to pay off long-standing debts. In Louisiana, delinquent accounts often lower your credit score affecting your likelihood of getting a loan or a new line of credit.

Midland Funding, LLC is one of the nation’s most prominent debt collectors. The company frequently purchases charged-off accounts from creditors like JP Morgan Chase, Synchrony, and Capital One. Creditors typically charge off accounts when the consumer stops making payments for six months or longer. If your old credit card account is with Midland Funding, you’ll want to take action quickly to avoid a potential debt lawsuit.

LVNV Funding, LLC, based in Las Vegas, Nevada, is a large purchaser of consumer debt. The company holds a portfolio of overdue obligations and outsources collection of the debts to another organization, known as Resurgent Capital Services. If LVNV Funding purchases a debt you owe, you’ll likely start receiving letters and emails from Resurgent Capital.

If you’re like many Coloradans, you’re paying back a personal loan, medical debt, or a credit card — or all three. While you try to stay on top of your obligations, you might get too caught up in debt and find it impossible to make your payments. When you stop paying your creditors, they take notice. They’ll probably start calling you and sending you letters. If you don’t resume your payments, they may charge off your account, sell it to a collection agency, or file a lawsuit against you.

If you received a Summons and Complaint from KLS Financial Services regarding an unpaid debt, you have options. Don’t throw your hands up in despair or waive the white flag of defeat. Yes, the thought of batting a debt collection company in court can feel daunting, and even a bit overwhelming. Nevertheless, if you proactively prepare, you can beat KLS Financial Services in court. This article explains how to achieve that and everything else you need to know about debt collection lawsuits and KLS Financial Services.

“I can’t wait for Capital Management Services to call me about my debt again!” — said no one ever. When Capital Management Services starts calling, it could be that they think you owe a debt. There’s a chance you might actually owe, but before you send over any money, you should do some investigating to understand your options. You can request a debt validation before taking any action and fight back in court if you’ve been sued by CMS.

You may have taken out a loan to obtain business equipment or property if you’re a company owner. Business equipment allows you to create or produce the goods and services that attract your customers. Typical business loans involve funding for commercial real estate, business vehicles, office equipment, or inventory.

Facing a fierce debt collection agency in court, like GLA Collections, can be intimidating. Debt collection companies like GLA Collections understand the ins-and-outs of debt collection laws and may seem to have the upper hand against you in a legal proceeding. However, there are strategies you can use to beat GLA Collections in court. This article explains how to achieve that and everything else you need to know about debt collection lawsuits and GLA Collections.

You may have heard of a Motion for Summary Judgment, but you might need clarification on its meaning. Put simply, a Motion for Summary Judgment can expedite the legal process by asking a judge to decide a case based on the evidence provided. Either a plaintiff or a defendant can file the motion. The judge will then decide whether to grant the motion depending on the case’s circumstances and evidence. Either side can rebut the motion by providing their own evidence and arguments.

Has Franklin Collection Services Inc., commonly called "FCS," contacted you? It can be a scary experience having a debt sent to collections. What are your rights if Franklin Collection Services goes after you for money, and how far will they go to get paid?

You can look up any public court case in Tennessee online. An "open court" case is one whose records are not confidential. Aside from accessing the documents filed in the case, you may also attend the proceedings if you want to, even when you are not a party to the case.

If you take the time to thoroughly review your credit card agreement, there is a good chance you will find a mandatory binding arbitration clause. In many instances, an arbitration clause within such an agreement is relatively brief, but the impact it can have on your legal rights is huge.

You’re struggling to keep up with your mortgage, car payment, and grocery bills without falling behind on credit card or personal loan payments. The stress might seem never-ending. If you’ve gotten to the point where you can no longer make monthly repayments, you need to know your options.

You may have heard of the Consumer Financial Protection Bureau’s (CFPB’s) new Debt Collection Rule. The Debt Collection Rule came into force on November 30, 2021, and provides specific safeguards to consumers who owe debts.

If you’ve had enough of the constant bills and a lingering debt hanging over your head, you may have decided to work with a debt relief agency to take action on your outstanding obligations. Maybe you felt like you couldn’t keep up with your minimum payments, and debt settlement could get you out of the woods with less damage to your credit than bankruptcy.

Credit cards are credit facilities by banks that usually have a preset limit. When consumers talk of credit cards, they almost always refer to unsecured cards. They are the most common credit cards because of quick approvals without requiring collateral. In 2019, Experian estimated that the average American consumer had four credit cards. And as the cost of living keeps increasing, more people are relying on this type of debt for upkeep. Unsecured credit cards have their upside and downside. Before opening a new credit card account, you should understand these factors. First, we will examine why consumers prefer unsecured credit cards.

Knowing that you owe money to a debt collector or creditor can be immensely frustrating, especially if you cannot fully repay the debt. You may struggle to make payments for months or years only to see little difference in the outstanding balance. Fortunately, you can settle your debt if you are struggling to make ends meet. Many creditors and debt collectors are willing to settle for a portion of the original debt amount, especially if you explain your financial circumstances and obstacles.

Unemployment benefits temporarily cover a portion of your wages if you lose work. The insurance typically covers employees who were laid off or furloughed. But what if you quit? You could still receive unemployment provided the state considers your reason for leaving “good cause.” A good cause for quitting means that you separated from the employer for valid reasons and that the cause could not be resolved with the employer.

Student loans can wreak serious havoc on your finances, especially if you don’t have the means to repay them. The monthly payment for a student loan can stretch into hundreds of dollars, impacting your disposable income and reducing your ability to afford an asset like a home. Getting rid of student loans has traditionally been difficult. It’s next to impossible to eliminate them through bankruptcy, so most people are stuck with them until they repay them, no matter their financial circumstances.

Are you finding it challenging to keep up with your minimum payments on your credit cards or other loans? Are you looking for a way to eliminate your debts quickly while saving money on interest and the amount you owe? If you are, you’ve probably come across debt settlement.

Being in debt is never a good time. When debt collectors come knocking, it only makes matters worse. If you’re shelling out money toward paying off a debt, you may not see much reward for your efforts — especially with high interest rates involved. If you can’t keep up with your payments or stop making them altogether, you may be taken to court for the matter.

Are you the victim of an unfortunate accident or on the receiving end of someone else’s wrong actions? If so, you may consider filing a lawsuit against the individual or entity that harmed you. A legal claim can help you recover damages for your losses or force someone to stop doing something that is negatively impacting you.

Dealing with debt sucks. You may find yourself facing a debt collector who doesn’t want to let you off the hook, calling incessantly and trying to get you to pay up. Each communication makes your heart drop, but you’re probably unsure of how to get it to stop. If this sounds like you, you’re likely under a lot of stress. Credit problems can cause lots of anxiety and even put you into depression. You'll have to take action to stop the calls and eliminate the problem. You can either pay off the bill, set up a payment arrangement, or attempt to negotiate a settlement with the creditor.

Is a creditor or debt collector chasing you for an unpaid debt? Have you received notice of a debt lawsuit against you in South Dakota? If so, you’re not alone. Thousands of people face debt lawsuits across the U.S. every day.

Are you being sued for debt by a creditor or a debt collector? If so, you need to take action quickly to prevent a default judgment against you. If the court grants a default judgment, creditors and collectors can take harsh measures against you to collect the money owed, like garnishing your wages or freezing your bank account.

Do you have an outstanding debt with a creditor that you’re unsure how to handle? Sometimes, people fall behind on their regular payments due to job loss or other life situations, and they’re not sure how to resolve the problem. They may be in so much debt that their attempts to overcome it are futile.

Have you received a settlement offer from a creditor or debt collection agency? If so, you have a choice to make. You can accept the offer, counter with an offer of your own, or ignore the communication.

An outstanding debt can cause you sleepless nights if the debt collector is constantly contacting you, demanding that you pay. They may call at odd hours of the day or night and leave countless emails or voicemails. If you ignore their attempts to collect, they may sue you for the debt, fees, interest, and legal costs. Indiana debt collection laws allow debt collectors to take you to court before the statute of limitations on debt expires.

Everyone makes mistakes, and everyone runs into problems beyond their control. You might fall into debt due to a bad decision or two or an unexpected crisis, like losing a job or going through a divorce. Regardless of the reasons for it, owing money you can’t afford to repay is one of the hardest challenges you’ll face.

In legalese, lawyers use a Motion to Strike to remove part of the other party’s pleas or evidence from the record of the judicial proceedings. In a courtroom, the plaintiff’s or defendant’s legal team can ask for the removal of certain information given in a trial, hearing, Complaint, or Answer.

A settlement agreement can help you bypass the lengthy and costly litigation process. For example, you can offer to settle instead of enduring a debt collection lawsuit. The court will dismiss the case if the debt collector accepts your offer.

The legal phrase “nunc pro tunc” originally came from Great Britain. It’s a Latin term that translates into “now for then.” Many countries, including the U.S., use the phrase to refer to a retroactive correction of a prior ruling.

Many students accrue debt as they pursue an education hoping for a better future. But a lot of graduates have difficulty repaying their loans. Repayment may take several years and require a consistent income flow.

A bench trial is a trial without a jury. Instead of jurors, the judge alone holds decision-making power. They will hear both sides of a case and examine the evidence before issuing their findings.

Many Americans do not have a will or have not thought about their real estate and other financial affairs after their demise. According to many, it is superstitious, and they fear tempting the "forces" that affect death. But, superstitious or not, a will is an essential part of preparing for the future.

Are you involved in a lawsuit or thinking about filing a lawsuit? Do you like watching TV shows about legal affairs, like “Law and Order” or “Better Call Saul”? If so, you’ve probably heard of the legal term litigator, but you may not know what it means. People often interchange the terms litigator and trial lawyer, but they mean different things.

Have you ever wondered what hearsay is? Hearsay is commonly used in a legal context, but you may also hear someone use it to describe gossip. Understanding hearsay in a legal context can help you if you ever find yourself involved in judicial proceedings.

Understanding how arbitration works is essential when seeking to resolve a dispute because you'll know what to expect and how to maximize every step in the process. Arbitration is common in the business world, where people handle employment contracts, retail contracts, partnerships, and credit card agreements.

After five years, Equifax victims are finally beginning to receive updates about their upcoming settlement payments for the massive breach five years ago. Class-action settlement recipients were notified by February 25, 2022, about their eligibility and payment options through emails sent by the claim's administrator. You may have a ticket for free credit monitoring for four years if you receive this email.

At its core, injunctive relief is a performance remedy that a plaintiff or defendant can request from the court. If the court grants injunctive relief, the impacted parties must either take specific actions or stop them. For instance, a plaintiff can request injunctive relief to stop someone from building an outdoor concert hall next to their home.

Child custody has two main components—legal and physical possession. Physical possession of a child is when a parent has physical control of the child. In comparison, legal rights mean deciding your child's health, education, religion, etc.

Getting sued for an old debt is frustrating and stressful. The case against you is going to court, and you have a limited timeframe to take action to protect your rights. You’ll need to take action if you don’t want the case to become part of your public record. You have a few alternatives: pay off the debt in full before your court date, attempt to come to a settlement agreement with your creditor, or file an Answer and fight the case.

Debt settlement is the process of offering a creditor or debt collector a percentage of the original value of an obligation in exchange for an agreement to eliminate the remaining debt. You can realize significant savings through debt settlement, often paying as little as 50% of an obligation with no further interest charges or penalties.

Debt collectors know the buttons to push to cause consumers to panic or constantly live in fear of dire financial consequences. ARSC is no exception. It is a relatively new collection agency that aggressively pushes consumers to pay a debt that is sometimes not theirs, or the debt information is inaccurate.

A significant part of the divorce process is alimony. Alimony can refer to several payments made from one spouse to the other, and divorcees are entitled to alimony to maintain a similar standard of living.

As if keeping up with your Personally Identifiable Information (PII) is not stressful enough, you must also stay on top of every credit account, inquiry, and collection on your credit report. Finding an unfamiliar organization or company name on your credit report is worrisome. It is common for creditors to report using a different name from the one you know. Sometimes it is even an alternative identity. Other times it can be an acronym or the bank that financed your account. WFDS has been subject to such confusion.

Are you tired of receiving calls from your creditor or a debt collector for a debt you owe but are finding it hard to keep up with the payments? Debt settlement can be an option to eliminate the debt and rid yourself of persistent debt collectors.

When you seek legal advice from an attorney, you expect them to provide you with the correct information you need to make crucial decisions. Whether your attorney advises you in a personal injury claim or some other matter, you expect their advice to be accurate and in your best interests.

Many people use estate planning tools to ensure that their family is protected and their wishes carried out upon their death. One common estate planning instrument is a living trust. Living trusts help beneficiaries avoid probate, which can be long, expensive, and arduous. In some cases, living trusts can also protect assets from lawsuits.

If you’ve stopped paying your creditors for unpaid debts, they will likely report your account as a charge-off after four to six months of non-payment. Charge-offs reflect negatively on your credit report and may drop your credit score by 100 points or more.

Is a debt collector pursuing you for an old debt you wish was long behind you? If so, you may try to settle the obligation. Under debt settlement, you agree to pay a certain amount to the collection agency. In exchange, the collection agency accepts your payment and writes off the remaining balance.

If you’re considering bankruptcy to eliminate your debts and rebuild your financial health, you’ll want to understand how it works. There are two types of bankruptcies that individuals typically may file: Chapter 7 and Chapter 13. Both have different requirements that consumers must meet, and both can erase specific types of debt.

The United States has a long history of defending the rights of its citizens, especially those facing discrimination due to race, ethnicity, gender, disability, or religion. But despite the many protections available through civil rights laws, many people regularly face discrimination, especially regarding employment, housing, and police conduct.

Whenever you apply for credit, you hope to keep up with the monthly payments. You also may not foresee the original creditor selling your account to a third party. So you may be surprised, even shocked, to learn that you now have a contract with Westlake Portfolio Management. Even more distressing is having to set up a new repayment plan.

Do you feel misled by Freedom Debt Relief? Did you sign up for their debt settlement services only to find yourself in a worse position than before? You are not alone. In the last few years, Freedom Debt Relief has been the subject of two major lawsuits alleging that the company did not act in its clients’ best interests.

Every day, thousands of American consumers have to deal with debt collection calls. One such caller is Credit Bureau Systems, Inc. Credit Bureau Systems (CBS) started out collecting for the healthcare industry. It eventually branched out to other sectors. But the goal is the same: to get consumers to pay on delinquent accounts.

Can a regular consumer like you go up against a big debt collector like American Profit Recovery? Absolutely. SoloSuit is the only weapon you need. American Profit Recovery (APR) aims to help its clients recover money from defaulted accounts. While their mission is simple—to help creditors improve cash flow by getting invoices paid—it's not unusual for debt collectors to get aggressive.

The threat of being sued in Iowa courts for a debt can be upsetting, but even once a lawsuit has been filed, there are still ways to fight back and win. With the help of SoloSettle, you can settle a debt before it ever proceeds to trial. Debt settlement saves you time, money, and, most importantly, allows you freedom from the stress and worry that come with a pending lawsuit.

Typically, if your debt was forgiven or canceled by a lender, the amount forgiven is taxable. However, tax exemption is possible depending on your situation and the type of debt. If you qualify, you can eliminate or reduce the tax charges.

Every couple hopes their marriage will last a lifetime after getting married. No one enters into a marriage thinking it might end in a divorce down the road. But marriage is not always successful.

The trouble with Helvey and Associates is they do their best to get on your nerves until you pay. Their persistence and harassment can make consumers start paying even without confirming the facts.

Do you wince every time the phone rings? Outstanding debts are stressful enough without the addition of persistent debt collectors. The best way to free yourself of this burden is to settle your debt as quickly as possible. But what if you don’t have the money to pay your debt in full? Will collection agencies settle for less? The answer, surprisingly, is yes.

You’ve probably heard of a mistrial but may not know what the term means. Essentially, a mistrial occurs when something happens during court proceedings that adversely impacts the outcome of a case. A judge will declare the case a mistrial before granting a finding for the defendant.

Your credit score is one of the first things that financial institutions look at when considering you for a loan. It can influence your eligibility for a mortgage or even your ability to rent an apartment. Paying your bills on time is one of the most important ways to preserve your credit.

If you’ve ever thought about hiring a lawyer, you’ve likely wondered how you’d pay for their services. After all, attorneys don’t exactly have a reputation for being cheap—on TV, you always see them dressed in snazzy suits, winning the big bucks for their clients in court.

You might consider filing a civil lawsuit if you’ve suffered physical or financial losses due to someone else’s actions. While a civil case can’t restore your health, it can entitle you to monetary damages you can use to get back on your feet following an unfortunate incident.

Affidavits are a common type of document used for legal purposes. In a civil or criminal case, a lawyer may ask a plaintiff, defendant, or witness to sign an affidavit guaranteeing that the facts they gave are accurate and true. Affidavits are standard in family law and bankruptcy cases, though they may also appear in other types of cases.

Are you curious about bar associations and what benefits it has for you as a young lawyer? Becoming a bar association member can have a lifelong and positive impact on your career and personal life. For instance, bar associations help you:

Although debt collection phone calls can be annoying, a ruined credit report is worse. AWA Collections knows that consumers will do anything to protect their credit scores.By reporting, they hope to pressure you to pay in a hurry, sometimes without the full details of the account. But worse, collections make consumers panic, reacting in ways that can harm them further, like renewing zombie debts. In the company's own words, they “use credit reporting to compel (consumers) to make payment.”

Americans' purchasing power has increased, thanks to credit, allowing them to buy homes, cars, and other goods utilizing a “buy now pay over time” method. But consumer debt was $16.5 trillion as of September 2022, with the average American debt among consumers being $96,371.

When 'WUVISAAFT' shows up in your bank statement transaction history, it may mean some money was transferred using your credit card or debit card through Western Union Money transfer services.

People who file for bankruptcy are typically in extreme financial distress. They may be unable to work, facing significant medical debts, or dealing with a substantial reduction of their ordinary income. Usually, an individual in bankruptcy sees no way out of their current situation aside from completely eliminating their debts.

Debt collectors can be excessively annoying, including Alliance Collections. They know the best stress-causing buttons to push to convince you to pay by borrowing again (often at high-interest rates) or using your life savings. It's even worse if you do not have these options available, and you may reluctantly file for bankruptcy.

Was your last encounter with a Capital Accounts agent nasty? Did they speak rudely or threaten you in any way? Collection agencies sometimes feel superior because of their enormous size compared to the individual consumers they’re contacting.

Do you cringe every time you hear the phone ring because you suspect it's Reliant Capital Solutions (RCS) calling again? Are you wondering whether they have a right to contact you multiple times a day? According to the Fair Debt Collection Practices Act (FDCPA), they should not call you more than once a day for the same debt.

Tenancy in Common (TIC) is a unique type of co-ownership in which two or more parties share equal or varying ownership rights of a commercial or residential property. If the co-owner dies, their share of the property goes to the beneficiary.

You ask a lawyer friend of yours if you are likely to win your case, and they say, “yes and no,” and quickly change the subject. Why won't they answer with a yes or a no? You can’t help but wonder why attorneys can be so stingy with legal advice.

“Yay! Another call from a debt collector!” — said no one ever. Dealing with debt collectors like National Recovery Agency (NRA) is no fun, and if they are coming after you incessantly, you are not alone.

American courts broadly define moral turpitude as behavior that shocks the public's conscience. They deem it an act of base, vile, or depraved behavior that contravenes morality and rights owed to fellow men.

No one likes receiving a call from anyone asking for money, let alone debt collectors. It’s understandable if you feel frustrated after receiving several calls from Mercantile Adjustment Bureau (MAB). As a debt collection agency with over 30 years of experience, MAR has mastered the art of harassing consumers into paying their outstanding debt.

If a debt collector or creditor is hounding you for an unpaid debt, you may feel uncomfortable with their ongoing calls and collection activities. Usually, collection activities begin with a letter before debt collectors call you at home or work. You may receive daily phone calls from them, pressing you to pay your debt or set up a payment plan.

Most attorneys don’t want you to know what we’re about to show you. It’s a secret that gives you power and leverage in litigation cases — especially in debt collection cases. In debt collection cases, attorneys for the debt collector usually have the consumer’s contact information but the consumer doesn’t have the contact information of the attorney.

Getting sued for a debt in California is stressful. You have to respond to the lawsuit, and it’s usually difficult to find an attorney to take on your case. When you know you owe a debt, and you want to settle it once and for all, you have options. Most creditors and debt collectors are willing to accept a settlement for less than you originally owed. In fact, the average debt settlement in the US is 50% of the original debt amount.

Joint custody (shared custody) refers to the arrangement made by both parents in which they share decision-making rights and the child's physical well-being. Joint custody arrangements are made during the divorce hearing, and the execution is defined in the court order. Shared custody can have a different meaning depending on:

A collection agency such as Glass Mountain Capital (GMC) may resort to litigation to collect a debt. Fortunately, SoloSuit takes care of everything for you and makes it super easy to fight Glass Mountain Capital (GMC) in court.

Being harassed for medical debt is extremely painful because illness is not something you go looking for, but it finds you unexpectedly. Medical bills can consume your entire savings, just so you can receive the care you need to recover.

Insurance companies do not pay out claims without first investigating them. They hire insurance claims adjusters to determine that the company is liable and the claim amount is not exaggerated.

If you’re having difficulty repaying your debts, you’re probably looking for a solution. You may have heard of debt settlement. Debt settlement typically involves paying an overdue debt with one lump-sum payment, usually equal to a percentage of the total value of the debt.

If you’re reading this article, you’ve likely received phone calls, letters, or emails from Resurgent Capital Services seeking to collect a debt. Resurgent Capital Services is a debt collection agency specializing in chasing consumers for unpaid credit card and medical obligations.

The confusion between a hearing and a trial results from popular culture using the terms interchangeably. A trial is a type of hearing, but numerous other court proceedings are labeled hearings, and understanding the key differences is crucial.

Pro se is a legal term that is Latin for "on one's own behalf." "Pro se" refers to a litigant who goes through the trial without appointed legal representation.

Lawyers, like doctors, bill hundreds of dollars per hour for their services. That is outrageous for an average consumer earning far less than that. Remember that the federal minimum wage is only $7.25 an hour. Lawyers know that their fees are high. In fact, some lawyers have said they could not afford their own services on their current salary.

Alliant Capital Management is a debt collector. So a call from them probably means one thing: you are in debt, and the account is past due. Occasionally, the call is misplaced, so the debt may not even be yours.

Contract Callers Inc (CCI) is a unique type of debt collector. Sometimes they work for creditors as a first-party extension of their regular staff. Other times they act as third-party debt collectors handling post-charge-off accounts.

U.S. researchers estimate that 28% of Americans struggle with debt in collections. If you are one of those people, it might be comforting to know that you’re not the only person who has past-due debt. But it may still be unpleasant to have debts in collections even though it is fairly common, and a debt collector agency like LTD Collections can sue you.

Some days, your debt can feel like a burden that follows you wherever you go. Worse, debts from things like credit cards will only grow, depending on your interest payments. Your end goal is the extinguishment of debt, meaning your debt is gone. Here’s how settling your debt can lead to its extinguishment.

Many imagine prison as a lonely, desolate place filled with hardened and dangerous criminals. They picture inmates in orange jumpsuits following a dreary routine from sunup to sundown, sustaining themselves on plain food from the prison cafeteria. It’s possible to create your own prison for yourself, even without committing a crime. Debt internment, or debt prison, is typically self-inflicted.

Prince Parker and Associates is not just any debt collector. The company is licensed and bonded in every state. So wherever you are in the United States, you should not be surprised if they contact you.

If RGS's efforts to collect from you fail, they will probably enter the debt on your credit report and sue you. That's why beating them will prevent your financial situation from getting worse. Today, we will explain various ways to deal with RGS without plunging deeper into debt. We will also give you steps to respond to a lawsuit if it progresses to that point.

There are probably a lot of emotions involved if you just learned that your debt has entered collections with Coast Professional. There may be a lot of stress, confusion, and uncertainty surrounding the situation. Breathe deeply and take a moment to relax.

Credit Management Company will likely use every trick in the book to get money out of your pocket. Such persistence and aggression can be extremely frustrating. All debt can weigh you down. However, healthcare debts are notorious for driving consumers into bankruptcy. And yet, collecting on behalf of healthcare providers is Credit Management Company's forte.

"If you don't get paid, we don't get paid." That is Procollect's promise to its clients. So you can imagine they will be aggressive when reaching out to consumers. It is how they make money. While dealing with accounts in collections can be scary, it is not that complicated if you know what to do.

Dealing with debt collectors can be stressful, exhausting, and awkward.. People often avoid their calls because they fear what they will say. You are not powerless. Knowing your rights can help you deal with calls and other forms of contact from a debt collection agency.

People mostly think about the assets in divorce and forget that debt must also be distributed. Sometimes, the debt division can be the most frustrating and confusing of all the divorce processes.

It is unsettling to realize that dying intestate means the division of your estate rests on legal procedures and not on your wishes. Without a will, the estate often goes to the surviving spouse, the children, extended family, and any descendants the courts can reach. If the courts cannot trace any family, your estate becomes the state's property.

You may not have to send a demand letter to the person you are suing. The lawsuit will still go through, and you could win if the judge decides you have a case. Even then, you will have a better-organized court case if you write a demand letter first.

A debt collection agency can purchase your debt if you've fallen behind on payments for months or years. Many companies find chasing unpaid accounts difficult, so they sometimes hire an individual or company to follow up on it or sell the debt. Bay Area Receivables(BAR) is one company that buys long-standing debt, usually for pennies on the dollar.

Wrongful termination, also referred to as wrongful dismissal or wrongful discharge, occurs when an employer relieves an employee of their duties over an illegal reason. Even though fired employees may feel they were wrongfully terminated, the reason behind it should violate state or federal laws or the contractual agreement to qualify.

Being on the receiving end of an unlawful detainer lawsuit can be extremely stressful, especially if you’re fighting to stay in your home or apartment. If your landlord is successful with their legal claim, you’ll have to find a new place to live, which can be difficult if you don’t have good credit.

If a creditor has recently sued you, you’re likely wondering what your options are. Generally, you can pay off the debt before the court date, set up payment arrangements, or attend the hearing. In many cases, your creditor will ask for a summary judgment granted by the court in their favor. Or they’ll hope that you don’t respond in time and a default judgment is granted.

Have you recently been sued by a debt collector? If so, you’re likely wondering what your options are. You can pay the debt or arrange a payment plan before your court date, attempt to defend yourself before the judge, or avoid the issue entirely and let the chips fall where they may.

If you live in the beautiful state of Pennsylvania and are struggling to keep up with credit card payments, student loan payments, car payments, etc. now is the time for action. Do not wallow in despair. Be proactive and explore how to get financial assistance in Pennsylvania.

When it comes to contract law, it’s essential to know the difference between a revocable and an irrevocable agreement. In its basic form, a revocable agreement is an offer that an individual or entity can withdraw before the other party accepts it. An irrevocable agreement is one that the offering party cannot withdraw. This type of agreement is standard in business contracts and trusts. The terms are binding once accepted.

Defamation occurs when someone makes a false statement about another individual that results in some harm to the person or their reputation. The statement made can be oral or in writing. States recognize two main types of defamation: libel and slander.

Libel is a form of defamation that occurs when someone makes false statements about another person in a published format. Usually, the comments are malicious in nature and harm the person’s reputation or character.

Knowing how to manage money is a tough task, admit it. Living month to month is exhausting and escaping the rat race should be a number one priority if you want to live a good life and, more importantly, provide a good living standard to your family.

Do you know the primary difference between real-life zombies and zombie debt? Zombies haunt you in mysterious places, but zombie debts haunt you everywhere you go. Simply put, debt collectors might come after you trying to collect on a zombie debt that they have no legal right to pursue. In this article, we will explain everything you should know about zombie debt and how to fight it.

If you are the victim of someone who made a statement about you that damaged your reputation, you might have grounds to file a slander lawsuit. Slander occurs when someone makes a false statement, usually with malicious intent to cause you harm. Slander falls under the umbrella of defamation, which also includes libel.

If you’ve ever received a bill from an unfamiliar collections agency, you may wonder how they came to purchase your debt. After all, companies won’t just hand over your account information to anyone; they follow a specific process to maximize the chances of collection.

Chances are that you have some type of debt. Whether it’s an auto loan, credit card, mortgage, student loan, or an unpaid medical bill, you likely owe someone money. Owing money isn’t an issue if you make regular payments on your debts. As long as you comply with the terms of your agreement with your creditor, you’re unlikely to find yourself on the wrong end of a debt lawsuit. However, problems arise if you stop making payments or if a debt collector wrongly accuses you of owing a debt.

Credit scores and reports can say a lot about their subjects. Strong credit scores, for example, give consumers access to favorable loans and credit opportunities. Similarly, if an employer checks a candidate’s credit report during the hiring process, a good credit score could help seal the deal.

If you’re concerned about your debts, it’s essential that you stay on top of new legislation changing the landscape of debt collection and consumer rights. SoloSuit’s got you covered. Here are the debt collection laws that may impact you in 2022 and beyond.

If you’ve received a letter from a debt collection agency, you’re likely wondering what to do. Debt collection letters are often unexpected, and many consumers don’t recognize what the debt pertains to or if it’s even theirs.

A certificate of debt has several definitions, depending on the context of its use. Consumers, companies, and governments use certificates of debt for different purposes. Typically, the primary purpose of a certificate of debt is to show the current amount that the entity or individual owes another person or entity.

MBA Law (alias Capio Partners, LLC) has several ways of attempting to force you to pay a medical debt if you fail to stay on top of it. Its representatives often call you repeatedly, write to you, threaten legal action, and if you still fail to pay, they may even file a lawsuit against you.

Finding your debt collection lawsuit in Alaska has been simplified thanks to the state’s online platform, CourtView. Before, you had to go to the court clerk in the records department and make a request or send your request via mail and wait for days, if not weeks, to get a response. Alaska is a big state, and traveling to the court clerk’s office can be an arduous task. Below, we provide a link to the online portal and information on how to use it effectively.

Dealing with debt collection agencies can be frustrating, and it's more stressful when they take you to court. When you know how to navigate the court system, you’ll be better prepared to stay updated on your case. Tracking the status of your case closely will increase your chances of winning, giving you more time to prepare a solid defense.

Are you aware that you can view your court case records in New Hampshire? This is excellent news that could change your debt collection strategy. New Hampshire allows citizens to access their court records in person or online, under a 1976 amendment to the New Hampshire Constitution.

Do you have a debt collection case in a Colorado court and wondering if you can gain access to the court records? Whether it is debt collection or another civil matter, the good news is that Colorado allows its residents to access their case documents online or physically in the courthouse where the case was filed.

A debt collection lawsuit is a ticking time bomb. You typically have as little as 14 days to respond in court and with your creditor; otherwise, you’ll lose the lawsuit to a default judgment. You need an ally. SoloSuit can help. You can use SoloSuit to complete your Answer and rely on expert guidance regarding how to file it.

If you owe old debts, you’re likely receiving letters or phone calls from collection agencies. You may be struggling financially, trying to figure out how to get out from underneath your crushing debt and move on with your life.

There are times when landlords have tried to cut corners to evict tenants. Instead of a legal eviction, they resort to cutting the water supply, power, or heating system. Such landlords hope to force renters to walk out of their lease before time is up. That way, they save themselves the hassle of serving you a legal eviction notice, possible court fees, and the lengthy legal process.

Is Pendrick Capital Partners, a third-party collection agency harassing you? You may be surprised to learn that your debt was purchased for approximately three to seven cents per dollar, or in other words, 3-7% of the original debt amount. It is possible that the collection agency does not have the documentation to prove your debt is current and valid.

“Turn bad debt into profit” is the slogan RS Clark and Associates use to entice companies to work with them. They promise clients they will succeed in getting their outstanding debt from consumers without risking the business. In fact, RS assures clients that it will help them concentrate on their business development instead of delinquent accounts.

Choice Recovery Inc. is one of many third-party debt collection agencies. They buy bad debt for pennies on the dollar and trick you into paying it all at once. For example, they pay $5 for a bad account that owes $1,000 to the original creditor.

Having debt in today's world is almost inevitable. For some, the benefits outweigh the interest charged. While for others, debt becomes an enormous burden that plunges them deeper into it, especially if they are sued for it. Receiving a debt collection lawsuit in Virginia can be frustrating and worse still if you have no money to pay.

Most Minnesotans who have received a lawsuit from a debt collection agency feel helpless—mainly because they do not know their consumer rights. Additionally, they may not be aware they can follow up on the accuracy of their case by accessing their court records.

If you are already struggling financially, a lawsuit can worsen an already bad situation. Louisiana allows its citizens to access their court records mainly by visiting the courthouse where the lawsuit was filed. Only sixteen of Louisiana’s sixty-four parishes allow you to access your documents online.

Have you received a lawsuit letter from a debt collection agency in Georgia? Knowing how to view your court records and check on the case status will increase your chances of beating a debt collector in court. It will also help you understand more about the claims being made against you and whether or not they are actually accurate.

Finding your lawsuit in Washington is easy, thanks to the provisions made by the government to allow its citizens to access their records either online or by visiting the courthouse where the creditors filed the case. Viewing your records and staying up-to-date on your case can help you prepare the strongest responses possible and receive a favorable judgment.

Debt collectors always hope that consumers will not follow up on their cases or fail to show up in court so that they get a favorable judgment. Today, we will help you burst their bubble by assisting you in preparing for court. We will explain how Texas’s judicial system works and how you can access your court records.

A debt collection lawsuit can destabilize your life financially and psychologically—the uncertainty of whether you'll win your case or not can make you feel helpless. Accessing your case records can help ease the tension because you can plan accordingly and ensure the debt collection agency has filed accurate information, all while staying updated on the status of your case.

Finding your case records in Illinois is relatively easy, thanks to the meticulous methods the state applies to ensure the documents are accessible to its citizens. Citizens can access their case information online via the Illinois portal search tool called re: SearchIL. Some counties, found in the list below, have individual portals to access court case records. You can also visit the courthouse where the case was filed.

The thought of your creditors gaining access to your bank account or the court allowing them to garnish your wages can be terrifying. You never thought you'd get to this point when you took out a loan or signed up for a credit card. Many consumers find themselves plunged into debt due to unplanned emergencies, sudden loss of a job, or overspending.

Do you have a pending debt collection case in Massachusetts and find yourselfare wondering how to keep track of it? Massachusetts gives you access to court records online or by visiting the courthouse where the debt collection agency filed the lawsuit. Accessing your case records will help you ensure the following:

Do you have a debt collection lawsuit in North Carolina? If so, you have a winning chance because North Carolina allows access to case records at each courthouse. The documents can help you prepare for court, and you could use any information the debt collectors misrepresented in your favor.

Litigation is costly. The process of being summoned to court for judgment alone can be expensive. More often than not, the defendant is forced to take a settlement just because they don’t have optimal representation.

Being sued by a debt collector in New York can set you back financially. It also robs you of precious time as you think and plan how to handle the lawsuit. For instance, you must respond to the lawsuit, pay applicablea filing fees, and spend time preparing for court because hiring a lawyer could do more harm to your financial situation. New York has made it easy for you to follow up on your debt collection case by allowing access to court records remotely or visiting the courthouse where the creditors filed the suit.

Do you feel your life has come to a standstill because of the debt collection lawsuit you received? You are not alone. Consumers who’ve been sued for debt often despair and wonder what to do to avoid plunging deeper into financial trouble. The New Jersey judicial system helps you feel empowered about your case. The state allows you to access your court records in person at the courthouse where the case is filed.

Preparing for court can be stressful, especially if it is a debt collection lawsuit where you may be required to represent yourself. Doing your research well and having your court records can ease the tension. Fortunately, Nevada allows you to access your court documents via their online case access portal or by visiting the courthouse where the case was filed.

Speedy Cash is a lending and check-cashing company that offers payday and title loans to individuals who need short-term financing. Anyone can apply for a loan with Speedy Cash, as long as the company is authorized to do business in their state. You don’t need good credit to obtain a Speedy Cash loan, but you do need a regular job or collateral, such as a car.

Buying stocks is essential to your financial growth. While you might not see the results of your investments initially, you will realize that you made the right choice as time goes on. However, is it wise to invest in stocks first or clear any pending debt you have?

When you get sued for a debt in Oklahoma, following up on your case helps you keep track of its progress and notice any changes. It also increases your chances of winning the case. Court records enable you to have information such as the court date, the judges involved, the courtroom number, and the documents the creditors have filed.

Being sued for debt can throw you off balance and cause you to lose the gains you’ve made financially or plunge you deeper into debt. That is why you need to follow up on your case and avoid missing a court date or going to court unprepared. Viewing your court records can help you prepare a weighty defense and may prevent the court from allowing the collection agency to access your bank account or garnish your wages.

Debt collectors know how to make a consumer's life, like yours, complicated. If they fail to cause misery with the constant calls or emails, they resort to filing a debt collection lawsuit. If you have received a suit from a collection agency, do not despair, you can fight it in court. But first, you need to file an Answer, then follow up on your case records to help you prepare for court.

Debt collectors are just the worst. If you are in debt, you know how stressful it can be to have debt collectors constantly breathing down your neck.

Apelles LLC is one of the 7,060 collection agencies in the United States. After a charge-off, the debt collection agency buys your unpaid debt from your original creditor for pennies on the dollar, allowing them to collect the debt like the original creditor.

FinWise Bank is a small community bank located in Sandy, Utah, that offers traditional banking services, like checking and savings accounts. It also provides home loans and business borrowing opportunities, like equipment leasing and Small Business Administration (SBA) loans.

Your credit report is essential for financial institutions seeking to determine whether you qualify for a loan or not. Negative marks on your credit report can prevent you from borrowing money, qualifying for a cell phone plan, or getting a job. They can also hamper your efforts to obtain a mortgage or rent an apartment.

When Innovative Recovery contacts you, it's an attempt to collect a debt you might owe to another party. Innovative Recovery is a third-party debt collector for several creditors, but its main focus is helping property managers to collect late rent, fees, or penalties.

Dealing with creditors and credit reporting bureaus is frustrating. While you need good credit to obtain loans, buy a home, or get a job, staying on top of your credit score doesn’t rank too high on most people’s list of fun times.

If you have old credit card debt or another financial obligation, you may have received a collection notice from Transworld Systems, Inc., or TSI. TSI is a debt collection agency that purchases old debts from creditors and attempts to collect them from consumers.

You're likely wondering what to do if you receive notice of a lawsuit for an old debt. Receiving a warning of a pending case against you is scary. After all, no one wants to be on the wrong side of the law.

Are you wondering if you can view your debt collection case records in Iowa? Well, the good news is that Iowa allows you to access your court records by visiting the courthouse where the creditors filed the case or online via the Iowa Court Online Search tool.

Fighting a debt collector in court is stressful and can feel unpredictable. The thought of a court ruling in favor of the collection agency can cause anxiety and panic if you do not know how to handle the pending case.

Most people have likely heard the term ‘credit check’. It’s a tool used to assess how financially responsible an individual is, determining their creditworthiness. But do you know the difference between a hard and soft credit check, and in what situations each one is likely to occur?

Every state enforces different laws when it comes to strict time limits for filing a civil lawsuit. This time period is called the statute of limitations. Typically, the statute of limitations exists to protect consumers from being sued for old debts. It also removes the indefinite threat of a lawsuit which can eventually be used as blackmail in some cases.

Do you have an unpaid debt and recently received a call or email from LJ Ross Associates? You may be wondering how far they can go in attempting to collect the debt. LJ Ross Associates is a legitimate collection agency that has been in business for over 29 years. They have experience aggressively pursuing consumers to pay their debt, and they may continue contacting you until you pay.

When a creditor or debt collection agency files a lawsuit against you in Mississippi, the suit is entered into the court system, and the case record becomes public. The Mississippi state laws require all court records to be made available online and in local court offices for anyone to access, including case dockets (records of court proceedings).

It can be frustrating if a lawsuit is filed against you and you do not have all the details to prepare your defense. Residents of Wyoming do not have to wonder about their case details because the Wyoming Public Records Act gives the general public access to court records.

Citizens have the right to see and acquire copies of court records if they follow the Wisconsin open records law. You can access the information online if you are concerned that a debt collection lawsuit may have been filed against you.

At the moment, West Virginia courts do not have a free tool where you can search the status of your court case online. If you've been sued for a debt, it's crucial to keep tabs on your case. Frequently, collectors don't properly serve defendants with the case documents. So, being proactive and finding your case in the court records is helpful for reviewing the progress of the case.

Vermont courts provide an online portal for finding your court case. If you've been sued for a debt, it's crucial to keep tabs on your case. Frequently, collectors don't properly serve defendants with the case documents. So, finding your case online is helpful for reviewing the progress of your case.

At the moment, Utah courts do not have a free tool where you can search the status of your court case online. However, there are some paid options for searching for your Utah court case online.

South Carolina courts provide an online portal for finding your court case. If you've been sued for a debt, it's crucial to keep tabs on your case. Frequently, collectors don't properly serve defendants with the case documents. So, finding your case online is helpful for reviewing the progress of your case.

Have you received a lawsuit from a creditor and are wondering how to access your case records? Or have you sent an Answer and want to follow up on it? The process is straightforward because The Oregon Public Record Law allows the ‌public to view and make copies of court records.

The Ohio General Assembly enacted a law in 1963 that made court records available for inspection by the general public. The Open Record Law authorizes Ohio residents to read and copy most court documents filed in the state courts.

If you have received a Summons or Complaint in the mail, then you may be a bit worried. There is a lot that goes on in a lawsuit. If you do not respond, then you may have a default judgment ordered against you. This is why it is essential to know how to respond to a plaintiff's counsel.

It's important to stay on top of any lawsuit against you. You need to ensure that the plaintiff's complaints are valid, respond within the required time frame, and prepare your defense. On the other hand, if you file a case (a bankruptcy case, for example), you should also keep up with any developments.

Receiving a debt collection lawsuit can throw you off balance if you are facing financial challenges. Even after responding to the lawsuit, you need to keep track of your court case to avoid missing a court hearing or other vital documents. Florida allows you to look up your case status remotely on your county's online portal or visit the courthouse and access your records via an official written request or the public terminal.

If you have been sued by a debt collector in California, it is important to stay on top of recent court filings to ensure you did not miss a Complaint, other court documents, or scheduled hearings in the case. Currently, California does not have a statewide tool where you can search for your court case online. However, most counties have online portals where you can look up your case status without leaving home.

Are you wondering if a debt collector has sued you? Did you receive a Summons? Or are you trying to track a previous court case? Fortunately, in Alabama, court records are generally considered public records (unless stated otherwise).

Your health, life, home, and car are all considered assets. Good health allows you to work, provide an income for your family and live a high-quality life; your car gets you and your family from A to B, and your home keeps you safe and provides shelter. While you may be unable to put a price on your health and life, it costs money to protect them, along with your home and vehicle.

Knowing when your rent is due legally can save you a lot of trouble with your landlord and also help you plan your finances even better. Most people believe that rent is due on the first day of the month, but that's not necessarily true. This article discusses everything you need to know about the legal due date for rent payments in most states across the country, what to do if you're late with your payment, your rights as a tenant, and more.

The North Dakota Constitution under Section 6, Article XI stipulates that the public has a right to access court case records. This clause mandated North Dakota government agencies and judicial departments to open most files for public inspection, including the case dockets (records detailing court proceedings).

It's not difficult to find a court case in New Mexico, especially if it is considered a public record. The New Mexico Inspection of Public Records Act (1978) guarantees you access to court cases. Exempt cases are few, typically juvenile records and those marked as private.

Since 1867, Nebraska has kept public records, covering all 93 counties. Digitization of public records has become the industry standard over the last 30 years, allowing more government and third-party websites to make these records available online with greater reliability and transparency.

Finding your lawsuit in Missouri has been made easy with the Missouri Public Records Law in place. This law protects the public's right to access and copy court records. Details of various judicial activities, such as debt collection cases, arrest warrants, court pleas, records, and sentencing, are available to promote a transparent system.

Are you concerned you could be the subject of a lawsuit you are unaware of? If so, You may get information on your court case online if you live in Michigan.

A collection agency may take over your debt collection, and the letters or calls can sometimes be harassing. You can write them a letter and ask them to stop contacting you, but the letter does not prevent them from suing you in Maryland.

Under the Maine Freedom of Access Act (FOAA), court records are public information and can be inspected and copied by anyone. The first step is to identify the court where the case was filed.

Under both the constitution and common law, Kentucky provides its 4.5 million residents with the right to access court records. This southeastern state has a long history of providing open access to its court sessions and documents.

Generally, you may request court records and documents from the clerk's office in the county where the case was heard. You may request a transcript for a specific hearing or trial from the court reporter. Contact the court or clerk's office to request these documents.

Are you concerned that you may have a lawsuit against you that you don't know about, or are you representing yourself and looking for additional information about the case? If you live in Idaho, you can usually find your court case online.

Thanks to the Freedom of Information Act, you can access court records in Connecticut. Not only can you find your court case, but you can also access any other cases that the state considers public records.

The Arizona Public Record Law is a collection of laws enacted in 1901 to ensure that public records are accessible and distributed throughout the state. Criminal and Civil Court documents are viewable online in all states. US citizens can access this information under the Freedom of Information Act.

Did you know that the Fair Debt Collection Practices Act protects you from certain tactics debt collection agencies use to recover their debt? Being in debt doesn't give a debt collector the right to harass you while trying to recover the amount, unless they are acting in “good faith.”

It can be difficult to maintain a healthy financial situation. Whether you're trying to save for a rainy day or working towards a long-term goal, there are always temptations and roadblocks that can get in the way.

People learn different lessons in many life situations, and accidents are one of those circumstances. If you underwent a bicycle accident and were lucky to survive, you definitely learned something new. Never assume that since you're keen to observe all the road rules, you won't experience an accident. Keep in mind that you always share roads with many other drivers, and some of these road users might be too careless.

When you are in debt, being the subject of a judgment can be quite stressful. A judgment is an order issued by a judge that holds you liable for a certain amount. Judgments can also involve real property, such as vehicles, jewelry, or your home.

If you recently applied for a loan or sought to open a new checking account and were denied, you could very well have an issue related to a report generated by a company known as ChexSystems. ChexSystems is a consumer credit reporting agency that is responsible for tracking activity related to closed checking, savings, and other deposit accounts at various banks and credit unions. For example, if you ever bounced a check or a check was returned to you, it is likely you have a ChexSystems profile. While your ChexSystems history does not directly impact your FICO credit score, it can have a negative impact on your ability to open new financial accounts.

When a person or entity files a debt collection lawsuit against you, you have up to 35 days to respond to the lawsuit, depending on which state you live in. The deadline clock usually starts on the date you received the Summons and Complaint. If you dispute the debt, you'll be required to submit a written Answer document stating your response to each claim and affirmative defenses.

The date of the last activity, also known as DLA, is often discussed in the field of credit repair in ways that are inaccurate or misleading. As a result, many consumers do not understand the fundamental importance of DLA in terms of their credit reports and credit ratings. Here's everything you need to know about DLA on your credit report.

The term 'time is of the essence' is often used in different contexts. Regardless of the setting, this phrase basically means that something must be done within a specified deadline. For example, in business law, this expression means that one party must complete a particular task within a specified deadline. Failure to meet this requirement could lead to penalties and other consequences.

In August 2021, the Centers for Disease Control and Prevention issued a new order temporarily halting evictions in certain areas of the country. This was to last until October 3 and focused on areas of the country where COVID-19 was continuing to spread. If you are a renter or a landlord in Indiana, it is important to understand what this means for you, and what happens after the moratorium is over.

During the COVID-19 pandemic, the Centers for Disease Control and Prevention (CDC) put a federal eviction moratorium into place. In August 2021, the Supreme Court voted to end the temporary stay. In doing so, the Supreme Court's ruling invalidated the federal eviction moratorium, which stopped eviction protections that were keeping millions of people housed during the pandemic.

It's no big deal. At least, that's what you've been telling yourself as the monthly bills roll in. But soon, you find yourself lying awake wondering about your financial future. If it's any consolation, you're not alone. CNBC reports that the average U.S. household is $155,622 in debt, which includes mortgages, student loans, and credit card debt.

Last year, 59.49 million Americans (23%) lost money to phone scams. According to Truecaller, the average reported loss in the previous 12 months was $502, up from $351 in 2020. What's staggering is that robo-callers deceived 60 percent of the victims called.

Chase Credit Journey may be an excellent option if you want to get an overview of your credit health. Chase Credit Journey is a free credit monitoring and credit score service offered to Chase customers and non-customers alike.

Restitution is a court-ordered payment one party makes to another to compensate them for damages caused by the crime. All US states have laws requiring convicted defendants to pay restitution to their victims. Here's all you need to know about this form of payment and how it works.

One element of the pre-trial stage of a criminal case is a probable cause preliminary hearing. This is referred to as either a “preliminary hearing” or a “probable cause hearing.” The hearing has the purpose of determining whether or not there is probable cause that a crime was committed and that the defendant was the cause of it. It is often used for the protection of criminal defendants, to ensure that there is enough evidence to push the criminal case to go to trial.

If you are embroiled in a legal dispute, such as a debt collection lawsuit or having charges brought against you by the state, you may hear the term, “Nolle Prosequi” and ask yourself, “what the heck does that mean?” Here is the answer - Nolle Prosequi is a phrase with Latin origins that basically means, "will no longer prosecute." It is tantamount to a prosecutor deciding to dismiss charges that were filed against you.

We've all been in that situation. You go over budget on a few items one month, and your checking account is overdrawn. Before you realize it, you are in the negative zone. A negative account has profound implications; your account may be temporarily suspended or closed, and ChexSystem may record a closure on your record, making it harder for you to open new bank accounts in the future.

Mitigating circumstances are factors that influence a court's decision but do not justify or excuse the offense committed by the defendant. This legal concept applies in different circumstances, from serious criminal convictions to lawsuits. Here's an overview of how the idea of mitigating circumstances applies in different scenarios.

Medical malpractice is an illegal and punishable act that occurs when a hospital, doctor or other health care professional is negligent. Because of this negligence or omission, the result is injury or death to a patient. In many cases, negligence is the result of an error, typically in the diagnosis, treatment, or aftercare of a health condition.

Liquidation refers to selling property or assets on the open market to convert them into cash or cash equivalents. Similarly, liquidation means ending a company's operations and distributing its assets to creditors.

Consumers question NTB credit card's safety because of its ease of application, great discounts, and attractive deals. For example, NTB Credit cards have excellent offers such as 0% (Annual Percentage Rate) APR for the first year and no annual fees. These features make consumers doubt its legitimacy and wonder if they will be scammed.

If you lose your job, your employer may pay you a lump sum known as severance pay. This pay may also include other benefits, although it differs from one employer to another. Former employees use severance pay to cater to their financial obligations while out of employment. However, this money comes with some tax obligations they must fulfill. Here's all you need to know about severance pay and its taxes, how to minimize those taxes, and other frequently asked questions about severance pay.

In debt collection lingo, an implied contract is a term used to describe the existence of a relationship between a creditor and a debtor. Debt collection laws vary from state to state. For example, in some states, creditors do not need to prove the existence of an express contract between them and debtors. Instead, implied contracts may be all that's required to prove the existence of the relationship.

Have you ever spent your whole bonus within hours or days and wondered if you could have done something better with the money? It is tempting to use a bonus on items you would usually not buy. But using it to deal with your financial problems has long-term benefits.

Criminals will say anything to get your money. They might pretend to be from the IRS or another government agency, calling or emailing you about owed taxes. They might threaten you with arrest or loss of your driver's license if you don't pay them immediately. Consequently, millions of dollars are lost every year to these scams, and many people are victims. Here are some of the most prevalent IRS scams and tips on how to spot them.

It's not unusual to have a negative bank balance. Usually, this happens by accident—your bank account may have been drafted for an item you weren't expecting, or an automatic deposit that is normally put into your account didn't go through. In most cases, if a bank account drifts into negative territory, it's for a small amount of money.

With a high credit score, you'll be eligible for the most favorable rates and terms when applying for a mortgage or other bank loan. But what if your credit isn't that great? Your credit score matters when applying for a loan, when applying for an apartment, and in some cases, when applying for a job. If you're concerned about less-than-stellar credit, we're here to help you out with some quick ways to raise your credit score by 40 points.

If you encounter financial hardship and suddenly fall behind on the payments being made towards your auto loan, there is a risk the bank will exercise its right to take possession of the vehicle. This is what is known as a “repossession.” Most financial institutions offering auto loans include language in the terms of the loan agreement that enable them to repossess your vehicle without even having to go to court.

Liens aren't fun at all. It is not fun to talk about them, and it certainly is not fun to deal with them. But sometimes, negotiating a lien is the key to closing a deal. The best place to start is by speaking with the lienholder or their representative. You can take the opportunity to explain your financial situation and seek a resolution that works for both of you.

Buying with credit cards is great, but sometimes you need cash. If you find yourself in a tight spot financially, you may have wondered if your credit cards can help. And they can. Ideally, you should use credit cards for purchases instead of withdrawing cash, as with debit cards. However, cash advances on credit cards have become all too common in recent years. How do cash advances work? Are they for you? And are there other ways to liquidate credit cards into cash? Let's find out.

Do you find that you are not making progress in managing your debt? Are you on the brink of giving up and wondering what to do? You are not alone. Thousands of Americans are overwhelmed by debt. They often find themselves with a lawsuit that results in wage garnishments and creditors gaining access to their bank accounts.

Medical debt is a prevalent problem in the United States. Unlike many other countries that offer free, subsidized healthcare to citizens and residents, the United States relies on a system of mainly private health insurers. These companies have a slew of requirements that must be met when patients seek out healthcare.

In the state of Oregon, circuit courts are trial courts that handle all types of cases (this means the court has general jurisdiction). In other words, Deschutes County Circuit Court, and other circuit courts throughout the state of Oregon, deal with criminal, civil, domestic relations, traffic, juvenile, small claims, violations, abuse prevention act, probate, mental commitments, adoption, and guardianship cases. So, if you are being sued in Deschutes County, chances are your case will be filed with the Circuit Court there.

There are many reasons why you might be asked to take a drug test. It may be for employment at a private or governmental organization, but it could also be for participating and competing in sports. Another reason you might be asked to take a drug test is for court proceedings to prove you are no longer using drugs.

No one likes receiving a notice from a debt collector like Williams and Fudge saying that you owe money. What's worse is receiving the notice and not even knowing what the debt is for! Once you receive a letter, you can anticipate further ones, along with calls and other communications, until a settlement is reached or you are able to prove that you don't owe the money.

Getting harassed by a debt collector affiliated with Wakefield and Associates is oftentimes stressful and anxiety-inducing. Why? Because it is quite common for Wakefield and Associates, along with other debt collection agencies, will routinely utilize inappropriate and unethical tactics to try and compel you to pay what is allegedly owed. For example, debt collectors with Wakefield and Associates are likely to call you constantly on the phone from several numbers. They may also try to intimidate you on social media, send nasty letters, and other questionable methods.

Viking Client Services is a debt collection agency based in Eden Prairie, Minnesota. Founded in 1969, it handles consumer debt all over the United States. There have been numerous complaints by consumers against Viking Client Services. These claims involve violations of the Fair Debt Collection Practices Act (FDCPA).

If you are being harassed by a debt collector affiliated with Universal Credit Services, you probably are going through a stressful time. Why is this the case? Because Universal Credit Services and other debt collection agencies may use inappropriate techniques to get you to pay what you supposedly owe to a creditor. That's why Universal Credit Services may call you all day long to try to get you to pay. They may harass you at work and attempt to connect with you on Instagram and Facebook to get money out of you.

Debt collection notices are probably the worst piece of mail that you can receive in your mailbox. They can be stress inducing and worrisome. Following the written notice, you'll probably begin receiving phone calls from the debt collectors in an attempt to collect money. If you're juggling a lot, such as work, family, or other responsibilities, responding to a debt collector can be the last thing you want to deal with.

If you have received multiple phone calls, emails, letters in the mail, and even messages on Facebook from debt collectors with UHG I, LLC, you're probably feeling stressed, frustrated, and even angry. This is because UHG 1, LLC encourages debt collectors to be aggressive and basically harass people to try and persuade them to pay a debt they allegedly owe.

Debt collection isn't the most exciting segment in the financial services industry. The entire experience is awful for everyone involved—lenders and borrowers alike. Debt, however, remains a constant in the lives of ‌many Americans. According to CNBC, in 2021, consumers' revolving credit levels reached $15.6 trillion, the highest level in history.

If you are being harassed by a debt collector affiliated with Stenger and Stenger, you may be feeling stressed, frustrated and unsure about the future. This is totally understandable since Stenger and Stenger, like many other debt collectors, use aggressive and unethical practices to try and coerce you into paying what they claim you owe. That's why Stenger and Stenger might call you all day long, at night, and try to get in touch with you on email and social media to intimidate you into paying an alleged debt.

Getting harassing phone calls and letters from a debt collector such as State Collection Service? It is perfectly understandable to feel upset and stressed out. State Collection Service, like other major debt collection organizations, will use inappropriate and unethical methods to try to get you to pay what you supposedly owe. State Collection Service may call you all day long, try to connect with you on social media, and send you nasty letters.

If your phone's been ringing off the hook with debt collection calls, know that you're not alone. According to the Consumer Financial Protection Board (CFPB), roughly one out of four Americans receives a debt collection call at some point in their lives. That includes debt collection companies like SIMM Associates, a collections agency based out of Newark, Delaware. If you've been contacted by SIMM Associates, you need a game plan. Here's how to beat SIMM Associates if they call or take you to court.

Endless phone calls from Sequium Asset Solutions, LLC can be stressful, frustrating, and exhausting. Luckily, you don't have to put up with Sequium's aggressive debt collection tactics. Here's everything you need to know about Sequium, your consumer rights, and how to beat the company in court.

Getting a debt collection letter from SCA Collections in the mail is nobody's idea of a great start to the day. And finding out that you might owe money to someone you've likely never heard of can be a real head-scratcher.

Is RMP Services giving you sleepless nights? Have they called or emailed you several times and ignored your request to stop contacting you? That is because RMP Services is a collection agency permitted by law to pursue a legitimate debt. However, the Fair Debt Collection Practices Act (FDCPA) prohibits them from harassing or threatening you.

If RMP LLC has contacted you about an unpaid debt or you have been served with a debt collection lawsuit by this agency, do not throw your hands up in despair. You have legal rights and protections when being contacted by a debt collector or when being sued for an alleged unpaid debt in court.

Getting harassed by debt collectors such as Revco Solutionsis annoying, stressful, and upsetting. Why? Because debt collectors often use unethical and even illegal methods to try to persuade you to pay what they think you owe. That's why Revco Solutions may call you all day and even into the night. They may try to contact you on your Facebook and send you threatening letters in the mail.

You have been looking for an apartment, and you found the one you think might work. During the process, you learn that there is an opening in an apartment complex near work, so you jump on the opportunity. A couple of months later, you check your credit report and see an inquiry from RentGrow. You immediately suspect a problem since you have never had any dealings with a company by that name.

Facing a fierce debt collection agency in court, like Radius Global Solutions, can be intimidating. With almost 40 years of experience in collections, this agency understands the ins and outs of collection laws and may seem to have the upper hand against you in a debt collection lawsuit.

If you are being subjected to harassment by a debt collector with Progressive Management Systems, it is perfectly understandable if you are feeling anxious, angry, and even scared. Why? Because it is quite common for debt collectors with Progressive Management Systems to use inappropriate and unethical tactics to try to get you to pay the amount allegedly owed.

Professional Finance Company is a debt collector that works with a variety of original creditors, such as healthcare providers, government agencies, consumer retail lenders, and financial services organizations.

Pressler, Felt & Warshaw LLP, formerly known as Pressler & Pressler, is a debt collection law firm that represents debt buyers and other debt collection companies. For example, they often represent companies like J.P. Morgan Chase Bank, N.A. and Midland Funding, LLC.

Penn Credit may contact you, claiming you owe a debt. It can be tempting to avoid responding to a debt collector, but the harassment is likely to continue. If Penn Credit engages in unscrupulous debt collection practices, federal and state laws protect your rights. The Fair Debt Collection Practices Act (FDCPA) outlines what debt collectors can and cannot do in an attempt to collect a debt.

Consumer debt is associated with overspending on credit cards or living above your means. But the Kaiser Family Foundation found that about 23 million Americans owe at least $250 in medical debt. If the name NPAS Solutions shows up on your credit report, it probably means that one of the healthcare centers NPAS Solutions works with believes you owe a medical bill.

Expect Nationwide Recovery Services to contact you if you have an outstanding medical bill. They are a debt collection agency that works with healthcare and medical companies to recover unpaid accounts. They help individual practitioners and hospitals collect the debt from consumers who have fallen back on payments.

Do you recall receiving a call from someone telling you they were serving you with documents? Or, perhaps they stated that you have a $1700 debt and that they will settle for $300. So, you decide to contact your original creditor, and in shock, you discover the original debt was $133. Well, your debt was sold off. When you dig deeper into the first number, you learn it was National Credit Adjusters.

If there are people that should just disappear, it is debt collectors. They know how to frustrate you with their endless calls and emails. They rarely stop, even if you request them to give you a break. MRS BPO debt collectors often fit this description. They aggressively pursue their money and will only stop once you clear the debt.

If you're on the receiving end of a debt collection letter from Monterey Financial, it can put a significant damper on your day. You could be going about your regular business only to open a letter that says you owe money for a long-ago debt you're not aware of. If the amount is extravagant, you may wonder how you can afford to pay it. You may even wonder if you owe it, or if the letter was a mistake.

McCarthy Burgess & Wolff is a legitimate debt collection agency that aggressively contacts consumers to pay their debt. They collect debt on behalf of companies that offer services such as credit cards, utilities, medical care, auto loans, or student loans. If you have unpaid debt in these areas, McCarthy Burgess & Wolff may be on your case until you pay.

Hunter Warfield Inc is a debt collection company. Debt collectors are usually employed by an original creditor to collect on an overdue debt. However, sometimes debt collectors are also debt buyers, who have purchased your debt from an original creditor that you borrowed from.

Whenever you are ill, you are more concerned about recovering than paying the bills. But eventually, you receive multiple calls from third-party debt collectors asking you to pay past-due medical bills.

Americans' distaste for debt collection is one thing they all agree on. You know how frustrating and relentless debt collectors can be if you have dealt with them. Expect a constant flow of calls all day and more letters in your mailbox when your past due debts go to a collection account.

You become curious and answer when you receive a call during odd hours or repetitive calls from the same number. The caller identifies themselves as an agent for Halsted Financial Services and claims to be collecting a debt of $5,000.

Purchasing and ultimately owning an automobile is considered to be part of the American dream. However, this dream can turn to a nightmare very quickly if you encounter a sudden job loss, suffer a bodily injury that forces you to retire or take a significant amount of time off work, or confront another emergency that drains your financial resources.

Do you have a pending student loan? Has General Revenue Corporation contacted you yet? If not, expect a call from them soon if you do not make plans to pay your student loan debt.

Debt collectors are infamous for their underhanded and harsh business practices. A collection agency buys unpaid debts from banks and businesses for pennies on the dollar, then tracks down and demands payment from debtors. Debt collection, however, is a seedy underbelly dotted with former criminals and bullies looking to scam distressed debtors.

If you've been receiving unwanted calls or notices of debt collection from a company called Frost Arnett, you may be feeling anxious. This type of communication, especially if it's continuous and occurs on a regular basis, can put even the most stalwart person on edge.

Have you applied for a credit card with First National Bank of Omaha? If so, they may appear on your credit report as a hard inquiry. First National Bank Omaha (FNBO) has been operating for over 160 years and offers personal and financial services, including credit cards, personal loans, refinancing, home and auto loans, mobile banking, and investment accounts.

What's one of the least appreciated items you can receive in the mail? Probably a notice from a debt collector telling you that you owe money. This can be extremely stressful, especially if you have no idea who the debt collector is or what the debt is for. Many people simply throw these letters away, but that's not the best way to handle it.

Debt collectors make unwarranted threats and continue to call you endlessly, which is annoying and stressful. FFCC is part of that group. A debt follow-up must be professional and courteous regardless of a debt's status. As a consumer, you are entitled to be treated with respect and fairness when you owe a debt.

Getting threatening and harassing phone calls and letters from a debt collector with FBCS Collection Agency is stressful and annoying. This is because FBCS, like many other debt collection agencies, use questionable and inappropriate methods to try and coerce you into repaying on a debt that is allegedly owed. This is why FBCS will probably contact you via the phone multiple times a day, try to find you on Facebook, Instagram, and other social media platforms, and send many nasty letters to your home.

If you are being sued by Factual Data, or are considering taking legal action against Factual Data, it is important to go into it with your eyes open to ensure you are fully informed about what to expect during a lawsuit.

Being intimidated and harassed by a debt collector from ERC Collections is understandably stressful, disrespectful, and inappropriate. Unfortunately, making empty threats and pestering people incessantly is typically how debt collectors do business. It is quite common to hear stories about debt collectors being overly aggressive, rude, and outright misleading people in an effort to get them to pay back a debt.

A debt collector's call can instantly disrupt your thought process and ruin your day. Texts and letters are not fun either. Whether the debt is yours or misplaced, you can act to stop the calls and outsmart debt collectors. Most debt collectors are overly aggressive, making consumers like you feel like they have no way out. EOS CCA, for example, has earned a reputation for harassment and less than stellar customer service.

If you were contacted by a debt collector with Eastern Account System, or you were recently served with a debt collection lawsuit by this debt collector, do not give up hope or raise the white flag of defeat. You have powerful legal rights and statutory protections that can be used to beat Eastern Account System in court.

If you fall behind on making payments towards a loan, credit card, mortgage, etc., do not be surprised if you are contacted repeatedly by a debt collector. This is because banks, credit unions, and other financial institutions will typically transfer a delinquent account to a professional debt collection company in the hopes of recouping some or all of the balance owed. One such debt collection agency is Client Services, Inc. (also known as CSI).

If you are being sued by Credco due to a delinquent debt, or are considering taking legal action against Credco due to harassment or intimidation related to inappropriate debt collection methods, it is important to go into litigation with your eyes open and to ensure you are fully informed about what to expect during a lawsuit. Conducting sufficient due diligence in the legal process is important since it can help provide advice and guidance on how to beat Credco in court.

Going through an eviction is never something a renter wants to deal with. However, eviction may be more common than you might think. Around three million renters were evicted between 2016 and 2018. After the pandemic, we can expect this to be true for even more people. However, some evictions can be avoided, so it is important to educate yourself on this process if you fear it may happen to you soon.

The Home Ownership and Equity Protection Act, popularly known as HOEPA, is a federal law that prevents certain abusive practices in the mortgage industry. This is because many homeowners find themselves in a vicious cycle of debt after purchasing a house.

If you're involved in a court case, and you hear people talking about the “fruit of the poisonous tree,” you might be wondering if you just stepped into a Snow White fairytale. But fruit of the poisonous tree is just a fancy legal term used to describe the following. In most court cases, the prosecution cannot use evidence that is obtained illegally. This rule is known as the fruit of the poisonous tree.

If you default payment on your debt, your creditor will likely send your debt account to a collection agency whose job is to recover the debt. Usually, the collection agency uses several strategies to recoup the debt, such as negotiating a repayment plan with you.

You've managed to eliminate your debt through settlement, and you're happily moving on with your life, no longer worried about meeting monthly minimum payments or missing them altogether.

Dealing with debt amid divorce isn't easy. Unfortunately, you may not be free from the financial obligations of mutual loans and joint credit cards despite successfully ending your relationship with your ex-spouse. For example, if your ex-spouse defaults payment on a joint credit card after divorce, your credit will suffer the same impact as theirs.

Disclosure is a common phrase used in various legal concepts and contexts. But regardless of the concept or context, this phrase means the release of new or confidential information. This article discusses the term ‘disclosure' when used in the context of debt collection cases.

In debt collection terminology, the term 'dischargeable' refers to the type of debt you are no longer responsible for, usually after filing for bankruptcy. Debt collection laws do not permit creditors to collect a dischargeable debt. In addition, they cannot contact you to collect such debt while the bankruptcy petition is still pending in court.

Demurred is the past tense of the word demur. In the legal context, to demur is when one party asks the court to dismiss a case due to insufficient evidence. This doesn't necessarily mean that the allegations brought by the plaintiff are not true. Instead, it means that even though these allegations are true, they lack enough evidence to establish a valid cause of action.

A commuted sentence is a term used to describe the power to reduce a sentence imposed by the judiciary. In other words, a commuted sentence is to replace a harsh sentence with a less sentence. This phrase is commonly applied in criminal law. For instance, an individual sentenced to death could receive a commuted sentence of life imprisonment.

Ahh, retirement. Many of us imagine reclining on nice, sandy beaches with Hawaiian shirts, holding a fruity little drink with a paper umbrella in it while relaxing and enjoying time off. Retirement is a beautiful goal and aim to have; you performed years of service leading up to a retirement where you can rest easy knowing that your earned benefits, such as your pension, are owed to you and cannot be taken from you.

US presidents have immunity when performing their executive duties. For this reason, you can't sue a US president for emotional distress. But this doesn't necessarily mean that the President is above the law; you just can't sue them over certain things while they're still in office.

Selip & Stylianou LLP is one of the primary consumer collection law firms in the state of New York. Formerly known as Cohen & Slamowitz, LLP, it is a third-party debt collection law firm located that serves creditors in New York state and New Jersey. It is often employed by banks such as Citibank, Capital One, TD Bank, and Discover.

Phillips & Cohen Associates is a debt collection agency located in Wilmington, Delaware. They specialize in deceased account services, as well as credit card charge-offs, and consumer retail debt. If you are being contacted by Phillips & Cohen Associates, or you see it listed on your credit report, you may have had a debt sent to collections. You may also have been sent a Summons and Complaint in the mail, meaning you've been sued for the debt.

Being sued for debt is never fun. Whether you have been called 1000 times and you are ignoring those calls, or you never received the complaint and summons in the mail, you need to know your rights. The first thing to know is that ignoring the lawsuit is the worst thing you can do. If you do not fight back in court you will automatically lose the case. You have a better chance of paying less in a settlement, or not at all if you properly approach the lawsuit.

Kirschenbaum, Phillips & Levy P.C. is a third-pay debt collection law firm and agency. The firm is headquartered in Long Island, New York, and represents creditors in debt recovery lawsuits filed throughout New York City. Getting calls, or receiving notice of a lawsuit from debt collectors like Kirschenbaum Phillips and Levy, is not something that you want to deal with.

If you have received a notice that you owe a debt, or worse, that a lawsuit has been brought against you, it can be a stressful situation. You may have no idea where to start, but the best thing to do is to understand who you are being sued by and what your options are. Here's everything you need to know about Daniels, Norellis, Cecere & Tavel (DNCT) and how to beat them in court.

Anticipatory repudiation describes one party's refusal to honor the terms of a contract. The refusal is usually expressed through a clear statement of refusal or action that amounts to refusal. Here's everything you need to know about anticipatory repudiation and its application in real-life situations.

When you qualify for a loan you've applied for, you'll be required to sign some paperwork to close the deal. The paperwork will cover various agreements between you and the lender. Although it's always advisable to read and understand these agreements before signing anything, most people don't. An acceleration clause is one of the most common and important elements of the contract between the borrower and the lender. Here's everything you need to know.

Your first contact with Nationwide Recovery Systems (NRS) is likely through a collection call or letter or an entry in your credit report. NRS is a debt collection agency that buys debt from original creditors for a fraction of the original amount, then works to recover the money and make a profit in the process.

Do you know how serious it is to break hours of service rules? To put it bluntly, it might cost a driver their life if the hours of service rules are not followed. Hours of service violations risk the driver's life and endanger other people driving on the road.

If you are in financial distress, various debt relief solutions may have crossed your mind. You may also wonder what options are available to you as a resident of the Centennial State. Like other American consumers, Coloradoans have several options they can use to get out of massive debt. Before deciding which direction to take, it is essential that you know how each option works, its pros and cons, and if it's the best fit for your situation.

Rising inflation, the loss of jobs, and the high cost of living have forced more Wyoming residents into crippling debt. Along with consumers in other states, many wonder if they can find relief. It is possible to be debt-free. Of course, there is no quick-fix way to melt away debt, but good planning and a willingness to sacrifice when necessary can work wonders. Let's see how you can get debt relief and then look at ways to get assistance in Wyoming.

Sometimes called the Dairy State, Wisconsin is known for its production of cheese and beer, not to mention beautiful lakes that attract residents and tourists alike during the summer. But in addition to Wisconsin's exciting local offerings, its residents are also accustomed to its high cost of living, especially when it comes to groceries.

Many West Virginians have turned to credit card transfers in an attempt to to reduce the interest and the size of the payments on their debts. Zero-interest credit card transfers have become the most popular type of credit in the state. Transferring debt from one card to another isn't always a bad idea, but many consumers continue to use debt to get by, and as the debt grows their financial situation worsens.

Struggling with debt is no fun. Constantly paying for essentials while also trying to pay down your outstanding debt can even feel hopeless. Individuals in Washington carry an average of nearly $10,000 in credit card debt while simultaneously balancing one of the highest costs of living indexes in the nation. In some suburbs of Seattle, home prices are up a staggering 46% since April 2021.

Virginia is a state of many contradictions. The east coast is lined with beautiful beaches, while the western part of the state houses the Blue Ridge Mountains. In the north, the suburban sprawl of Washington D.C. includes cities such as Alexandria, Arlington, and Fairfax. In the middle, the capital of the state, Richmond, holds the seat of the government.

If you currently live in the beautiful State of Vermont and are struggling with monthly debt payments, you are not alone. Many Vermont residents are carrying fairly large debt loads in the form of credit card debt, mortgage debt, and especially student loan debt. Specifically, the average Vermont resident is paying down more than $38,000 in student loans which means Vermont has the seventh-highest average amount of student loan debt per resident in the U.S. in 2020.

If you've missed a few payments on credit, such as a car or personal loan, the bank can put your debt into collections. After that, a collection agency or a lawyer will try to collect the money you owe the loan provider. Debt collection is a serious process that can adversely affect your credit score.

Texas is among the most populous and economically diverse states. With a population of over 29 million and an economy larger than many countries, The Lone Star state is undoubtedly a force to be reckoned with. However, not all is rosy in the state of Texas. Like many other states, it has been hit hard by the economic downturn. This has led to sharply increased levels of debt for plenty of Texans.

Debt can rob you of your peace of mind. The overwhelming monthly payments or the persistent calls from creditors can prevent you from finding solace even in a nature-abundant state like Tennessee.

In today's age of ever-rising inflation and housing costs, it's not surprising that many people are suffering from large amounts of debt. When prices rise, people are often forced to rely on credit to meet their regular living expenses and simply get by.

Debt challenges can cause tremendous stress that can affect all areas of life, including mental and physical well-being. Debt relief programs assist consumers in handling their debt by offering various strategies that help make debt repayment more manageable.

If you suffer from overwhelming credit card debt in Rhode Island, you're not alone. The average adult living in Providence carries $9,236 in credit card debt, and that, combined with rising prices for everyday items and increasing housing costs, can cause serious problems.

Pennsylvania, home of the Liberty Bell and birthplace of the Declaration of Independence, is known for its bustling cities and beautiful countryside. Philadelphia is the home of four major league sports teams, giving its residents something to cheer about each season. The state also experiences all four seasons, with snow in the winter and a mild, pleasant summer.

Owing debt can quickly snowball out of control, especially when you encounter life changes such as a sudden medical expense, the loss of a job, or the dissolution of a marriage or partnership. Credit cards, medical bills, payday loans, and other forms of credit can create what feels like an avalanche of debt.

It's easy to get into debt. It's harder to get yourself out. If you're a resident of Oklahoma, you can take advantage of laws and regulations that protect you from aggressive debt collectors. You also have access to debt relief options that can help you get your finances back on track and put you on a trajectory to repair your credit.

Like most Americans, residents of Ohio are grappling with a large amount of personal debt, especially credit card debt. This is understandable considering the significant economic headwinds we're facing in the wake of the Coronavirus pandemic. Residents of Ohio, on average, are carrying more than $5,500 in credit card debt. In addition to a large amount of credit card debt, many Ohio residents are struggling with student loan debt. For example, Ohio ranked as the 8th worst state for the total amount owed toward student loans.

Are you drowning in debt and wondering what to do about it? You are not alone; most North Dakotans have two or more debts to pay. Some manage to make their payments, while others struggle due to challenges such as unplanned medical bills, job loss, the death of a provider, or life-changing financial events. Others may have had a challenge with budgeting and realized, too late, that they were spending more than they had earned.

If you're currently struggling to maintain a basic quality of life with significant debt hanging over your head in North Carolina, you may be wondering what debt relief options are available. Debt can be a thorn in your side, especially if you have other worries, such as raising a family or saving for retirement.

The Coronavirus pandemic hit New Yorkers especially hard since it basically decimated some key sectors of the Big Apple's economy (e.g., finance, real estate, tourism, etc.). This is largely why millions of people in New York continue to struggle with financial challenges. For example, the average New York resident is carrying more than $5,400 in credit card debt (the 14th-most in the entire country). In addition to credit card debt, the average New York resident is carrying an average mortgage debt of $240,795, which ranks as the 10th-largest amount in the United States.

If you are having a tough time paying off credit card balances and feel as though you are unable to chart a new course to manage your finances, you are not alone. In fact, most people in New Hampshire and elsewhere in the United States are carrying around a credit card balance. In fact, the average American has a credit card balance exceeding $6,000, according to a survey conducted by Experian Consumer Credit Review. For individuals residing in New Hampshire, the average amount of credit card debt is even higher (around $6,200), according to an article published by CNBC.

The Coronavirus pandemic adversely impacted the economies of every state, including Montana. The number of tourists and visitors to “Big Sky Country” declined by roughly 10%, and consumer spending dropped by 7% in 2020. As a result of the economic hardship, many Montana residents saw their overall debt load increase.

Much like every other state, Missouri was hit hard by the Coronavirus pandemic. For example, economists estimate that Missouri is likely to lose close to $5 billion in overall revenue as a result of the havoc wrought by the pandemic, according to the Missouri Independent. The $5 billion loss in revenue comes at a terrible time since the state was already carrying more than $2 billion in debt, according to the News Tribune. In addition, Missouri residents are carrying, on average, around $5,600 in credit card debt, according to CNBC.

If you are feeling burdened by a significant amount of credit card debt (in addition to other forms of debt), do not throw your hands up in despair. Challenges associated with managing personal debt is a common issue. For example, the average American is carrying more than $6,000 in credit card debt, according to a survey conducted by Experian Consumer Credit Review. People residing in Louisiana have, on average, around $5,800 in credit card debt, according to CNBC.

The impact of the Coronavirus pandemic on Iowa's agricultural industry was severe. In fact, experts estimate the damage inflicted on this sector of the economy within the state to be approximately $6 billion. This likely means tens of thousands of Iowa residents are struggling with unpaid bills and mounting debt obligations.

When it comes to personal finance and debt management, Georgia residents are not doing great. For example, at the end of 2020, Georgia was ranked seventh in the nation for total credit card debt carried by residents. In addition, the Peach State was ranked fifth for student loan debt, and third in the entire country for the average amount owed toward auto loan debt.

If you are being subjected to harassment by a debt collector associated with Phoenix Financial Services, it is perfectly understandable if you are feeling stressed, frustrated and anxious about the future. Phoenix Financial Services, like many other debt collection companies, often utilize aggressive and troublign tactics to try and compel you to repay the debt you allegedly owe.That is why Phoenix Financial Services may call you on your phone multiple times each day, try to connect with you on Facebook, Twitter, or another social media platform and they will probably send you threatening letters in the mail.

DRS, or Dynamic Recovery Solutions, was established in 2008 and has a combined 50 years of debt collection expertise. DRS is a recovery company that collects debt on behalf of a creditor who believes you owe them money. As a result, you may receive harassing phone calls, several past-due notifications, and threatening letters.

Calls from Direct Recovery Services may throw you off balance. Instantly, a million questions come buzzing in your head: Is this a legitimate debt collection agency? Are they planning to sue me? Will they ruin my credit score? What rights do I have in this situation? It's important not to panic when Direct Recovery Services contacts you. The company's purpose is to get money from you to settle a debt they think you owe. If you lose your cool, you may play right into their trap and end up worsening the situation. Your best reaction is to take a deep breath and stay calm.

Have you received multiple calls and voicemails from DCM Services? Are their emails cluttering your inbox? If so, it is probably because a deceased loved one had an unpaid debt with them. DCM Services LLC is a debt collection agency that collects the debt of a person who has recently passed away from their immediate family members. DCM's primary purpose is to collect an overdue debt from you, even though it is not directly yours.

If Credit Management LP is harassing you with multiple phone calls and letters each day, you are probably feeling a combination of anger, frustration and stress. This is perfectly understandable since Credit Management LP and other debt collection companies are known for using unethical means to get consumers to pay what they allegedly owe.

A call or email from Credit Control Corporation could only mean that you owe a debt to an individual or a company. Credit Control Corporation is a legitimate third-party debt collection agency that collects debt for utility providers, healthcare institutions, and commercial enterprises.

If you are being subjected to harassment by a debt collector who was retained by CRDT First, it is understandable if you feel scared, anxious, and unsure about what to do next. Debt collectors routinely employ overly aggressive and troubling tactics to try and compel you to repay the debt you allegedly owe.That is why debt collectors retained by CRDT First may call you on your phone multiple times each day, try to connect with you on Facebook, Twitter, or another social media platform and they will probably send you threatening letters in the mail.

It starts slowly—first, you'll probably receive a letter in the mail notifying you that you owe a debt. This letter will come from a debt collection agency that you have likely never heard of, such as Choice Recovery.

If Central Portfolio Control has contacted you about an unpaid debt or you have been served with a debt collection lawsuit by this agency, do not throw your hands up in despair. You have certain legal rights and protections when being contacted by a debt collector or when sued by a debt collector in court.

When you fall behind in debt, the one thing you hope for is that the debt collector treats you with dignity and respect whenever they contact you. You wish to keep your peace of mind so you can work out a strategy to help you get back on track.

Has CCS Collections been harassing you to pay off a debt you owe? This is probably an upsetting time. Unfortunately, CCS Collections and other companies like them use unethical means to get consumers to pay what they allegedly owe. So CCS Collections may call you at all hours of the day to get you pay up. They might harass you on the job and try to bother you on your social media channels. These companies rarely give up and can hound you for years. They get the most compensation when they get you to pay, so they will keep coming after you.

Unexpected health care expenses can wreck even the most well-thought-out financial plan. Even worse, debt collectors that specialize in uncollected medical debt often add stress to an already difficult situation. Capio Partners, based in Sherman, TX, is one such debt collection agency. The agency specializes in medical debt, buying uncollected debts from healthcare providers, and then attempting to collect the amounts owed.

Being on the receiving end of a debt collection notice is no one's idea of fun. However, it happens, and if you are in receipt of a letter from Caine and Weiner attempting to collect a debt, you'll want to know how to handle it.

Bull City Financial Solutions (BCFS) is a legitimate debt collection agency in North Carolina. It has been in business for over 47 years. They collect for companies in various industries, including government and municipalities, healthcare, education, utility, retail, and financial institutions.

BC Services, Inc. (BCS) is a Colorado-based collection agency. BCS provides payment resolution and collection services to a variety of businesses, including: Utility companies, financial service providers, government entities, commercial entities, and healthcare providers.

Avantus is a credit reporting agency that provides financial institutions with extensive background checks to potential clients who want a loan. It helps these companies assess borrowers' credibility and expose any history of fraud and criminal activities. Avantus recently rebranded and is now called Xactus. In this article, we will use the former name of the company, Avantus, for clarity purposes.

Do you keep getting harassing phone calls and letters from debt collectors affiliated with Avante USA? If so, you are probably feeling a combination of anger, frustration and anxiety. This is perfectly understandable since debt collectors such as Avante USA will use every trick in the book to try and make your life miserable until you agree to pay what they think you owe. Some debt collectors even resort to using inappropriate and unethical methods to try to get you to pay an outstanding debt.

If you are being subjected to harassment by a debt collector with ARS National Services, you're probably wondering how you can get rid of the stress and frustration.. Why? Because it's quite common for debt collectors with ARS National Services to use inappropriate and unethical tactics to try to get you to pay the debt allegedly owed.

Accounts Receivable Consultants (ARC) collections boasts of being different from other debt collection agencies by offering superior services. But, do they? Is their collection strategy different from the rest? Do they use unlawful methods or harassment in an attempt to collect debts?

AR Resources is one of the largest debt collection agencies in the United States. They collect past due debts for many creditors, including student loan providers and medical bills. While dealing with the calls can be frustrating, you should worry more about the harm the account in collections has on your credit score. Each delinquent debt on your credit report is a stain that can hurt your credit for up to seven and a half years.

When you feel weighed down by debt collectors, remember that there's help. Debt collection is heavily regulated, and for a good reason. AFNI's calls, emails, texts, or lawsuits can put a strain on your mental, emotional and physical health.

If you are being harassed by a debt collector associated with 11 Charter Communications, you're probably feeling stressed, frustrated and anxious about the future. 11 Charter Communications, like many other debt collection companies, often use aggressive and problematic tactics to try and compel you to repay the debt you allegedly owe. That's why 11 Charter Communications may call you on your phone multiple times each day, try to connect with you on Facebook, Twitter, or other social media platforms, and they might even send you threatening letters in the mail.

There are three things in life you can't get away from: taxes, death, and student loans. While secretly hoping the next celebrity showing up at your graduation might cover for the third, we're here to encourage you that there's still life to look forward to in the years ahead in case that celebrity doesn't show.

Many New Mexicans struggle to pay their debt every month. Many owe thousands of dollars on student loans, credit cards, medical bills, and other unsecured loans. The pandemic also caused those who were barely managing to pay their debts to fall behind on payments due to the dynamics that affected income generation.

Living in New Jersey is great—the beaches, the nightlife, the high median household income… And the high cost of living. Even a good salary can disappear quickly when you are struggling to pay down debt.

Financial freedom is a way of life that evades most Nevadans today and, like many others across the country, most are saddled with debt. Over 3 million people live in the western state, which has seen a drop in unemployment. However, statistics show a debt increase of 3.5 percent, from $101,727 in 2020 to $105,281 in 2021.

Nebraska is a great place to live, with plenty of opportunities to get into agriculture. The state also has some of the best universities in the country specializing in research and dentistry.

Having some debt is healthy. You earn lenders' trust when you pay it back on time, and it can help you get competitive interest rates in the future. However, when unsecured and other debts pile up, they become a problem. Instead of an excellent credit score, you get bad credit as creditors threaten to sue.

Residents of Minnesota carry an average of nearly $10,000 in credit card debt. With inflation rising and gas and home prices up by double digits since last year, it's no surprise that people are having difficulty paying down their debt.

In Michigan, people often struggle with their finances due to rising living costs and unmanageable debt. Paychecks don't seem to stretch as far as they used to, and many people have trouble meeting regular obligations such as rent and car payments.

No matter where you live, debt of any kind can be overwhelming. Many Massachusetts residents deal with the heavy burden of unpaid debts ranging from credit cards, high-interest loans, mortgages, and medical bills. Massachusetts is currently the 4th wealthiest state, but having this status comes with a price of the high cost of living, making it easy for residents to accumulate debt.

Maryland, situated just above Washington, D.C., and bordered by Delaware, Virginia, and Pennsylvania, is known for its blue crabs, Old Bay Seasoning, and lively cities. A large population of the state lives in the city of Baltimore, which is within a 45-minute drive of the nation's capital. Despite its many offerings, Marylanders can find the cost of living to be quite high. Cities situated just outside of D.C., such as Gaithersburg and Bethesda, have a cost of living index as much as 56% higher than the national average.

Maine, known for its fantastic skiing options and quaint towns, is also one of the most expensive states in the U.S. to live in. Residents battle high state and property taxes while dealing with a relatively high cost of living and average salaries. The cost of living index is 115.

As a resident of Kentucky, you may be in a situation where you are not making any progress on repaying your debt. Instead, the debt continues to pile up, causing your credit score to decrease while your anxiety climbs.

Residents of Kansas are no strangers to consumer debt. While its cost index of 89 makes it one of the least expensive states to live in, rising inflation, increasing gas prices, and soaring home costs have led Kansas residents to resort to accumulating credit card and consumer debt. In fact,he average Overland Park resident has $11,881 in credit card debt.

Debt relief is supposed to help you stay on top of your finances. If you can reduce the principal amount you owe, the interest you are paying, or pay off your debt faster, you will save yourself a substantial amount of money and reduce your anxiety about finances.

Suffering from debt can be extremely frustrating and stressful. If you're making only minimum payments, you may not see much of a dent in your overall balance, despite trying to follow your creditor's terms. For those who have missed payments on their debt, it's common to receive letters in the mail or phone calls from creditors with an intent to collect payment. These calls can come at inopportune times, such as when you're in the middle of your workday.

Navient recently settled with Idaho to forgive close to $4 million in debt. What a relief for the over 170 borrowers who will benefit from this arrangement after court approval! For most consumers, debt forgiveness is a fairy tale. Struggling with debt isn't new to many American consumers, especially with the rise in the cost of living. In recent years, Idaho has seen a surge in housing costs (although that is stabilizing). The added expenses have resulted in an overreliance on credit cards. And these debts quickly add up and become unmanageable.

If you're a resident of Hawaii, you're likely battling high property taxes, rental rates, expensive consumer goods, and consumer debt. Hawaii is currently the most expensive state to live in, with a cost index of 193.3. Rising inflation and gas prices haven't helped matters, and ordinary citizens are feeling the pinch. Apartment rental rates are up 20% compared to last year, leaving many without adequate housing options.

Despite the many reasons to love the Sunshine State, living in Florida can come with some financial drawbacks. Home prices have surged over the past year, in some cases as much as 32%. Rentals have also gone up, leaving individuals with higher monthly costs of housing.

Unsecured loans can quickly change from being your way out of a bind into a nightmare. Even the most financially conscious person can have unmanageable debt because of one financial hiccup. The extraordinarily high-interest rates on most payday loans add to debt woes for many who fall into the trap of needing these quick loans.

If you're struggling with debt in Connecticut, you're not the only one. High state tax rates, property taxes, student loans, and credit card debt all play a role in making Connecticut an incredibly expensive state to live in. In fact, it's ranked as the eighth most expensive state by World Population Review, with a cost of living index of 121.6. In addition, residents of Connecticut earn an average wage of $66,130, which is only slightly above the national average of $58,260.

If you're in debt, you probably understand the feeling of struggling to meet your bills. It can be a constant battle, especially with the rising cost of living and high taxes. People in California also must deal with high rental costs, which can be significant across the state.

If you're struggling with debt in Arkansas, you're not alone. A recent study conducted by WalletHub shows that the average household in Little Rock, Arkansas, carries $10,527 in credit card debt. The state also has one of the lowest average salaries in the nation, with the average worker earning $46,500 annually.. These amounts, combined with the surge in inflation and housing costs over the past year, can make it hard for the average Arkansas resident to get ahead on their debt.

If you are a resident of Arizona, you may have noticed a wave of new homes being built in and around your neighborhood. This is largely due to the fact that Arizona is the sixth fastest-growing state in the entire country. For example, more than 260,000 people relocated to Arizona each year between 2014 and 2018, according to housing data from the United States Census Bureau. There are many reasons why people opted to move to Arizona (e.g., reasonable cost of living, amazing natural attractions and overall ambiance), but there remain serious economic headwinds impacting residents of the Grand Canyon State.

If you're fighting to reduce or pay off your unsecured debt in Alaska, you are not alone. Alaskans have the highest credit card debt per cardholder in the nation as of May 2022. The average is over $8,000, which is way above the country's average of $6,194 during the same time.

If you're drowning in debt in Alabama, you're not the only one. Individuals living in Birmingham, Alabama, carry an average of $9,473 in credit card debt. While the state boasts a relatively low cost-of-living index of 89.3, it hasn't been immune to the dramatic increases in inflation and home costs that the nation has experienced over the past year.

Aldous & Associates is a law firm specializing in 90-day past-due consumer collections in the fitness industry. Aldous, which is now in its tenth year, was based on gym-friendly service practices like no costs to account for reinstatement or cancellations, comprehensive credit reporting flexibility, and no-cost amnesty programs. In Salt Lake City, the firm has all the usual collection instruments of vigorous phone and email campaigns.

If you've received a debt collection letter from Account Services, you're likely wondering what it's about. You probably have never heard of the company, and you'd likely remember if you had borrowed money from them.

Most of us are pretty familiar with the idea of a personal credit score, especially once we've gained a financial standing. But a business credit score is a term relatively unexplored for many of us. We might interrelate these two scores, but to set the records straight, both have a unique formula that is based on various facts and figures that don't align. Interested in getting a good business credit score and maintaining it? This article has been fragmented perfectly for you to clear up any confusion on what is a good credit score for businesses and how it works.

If you've been sued for a debt, you may not know what to do. Lawsuits can be frightening, causing a gray shadow on an otherwise sunny day. It's essential to be objective and read every line of your Summons and Complaint. Try not to let emotions get in the way, and take a step-by-step approach to drafting your response and preparing for the court case.

You have probably checked your credit score several times and are wondering why it has stagnated for a while now. You most likely tried to make your debt payments on time. In fact, you may have cleared a debt hoping it would improve. Or maybe you have even stopped applying for a new line of credit. Still, your credit score has not changed.

If you're currently swimming in debt and don't want to drown, pursuing a debt reduction service may be the way to go. These companies provide services that allow you to pay off your debt, typically for a reduced amount.

If you have overdue debts, you may suddenly realize that your bank accounts have been frozen. This is only after a default judgment has been awarded against you to a creditor or debt collector to whom you owe money.

Homicide is something discussed in television shows, novels, and popular culture. In fact, many true crime dramas focus their storylines on homicides. Despite the topic being heavily involved in most of our lives, most people do not truly know what a homicide even is. Homicide occurs when someone dies due to the actions of another, but there is a distinction in the many forms of homicide as well. Let's break it down.

Evading the police involves running, driving, or leaving a police officer when you have committed some type of criminal offense. This could be a driver who flees after they are stopped by a police officer, or running after committing a crime. It can also be avoiding the police when there is a warrant out for arrest. However, it is always an intentional fleeing of the scene after being ordered to stop or stay.

If you find yourself in a never ending, hamster wheel cycle of earning money, only to spend it on essentials such as rent, food, and transportation, you may be wondering when you'll ever have enough to pay off your debt. In this article, we'll look at the top side hustles that you can use to pay down your debt.

LoanBuilder is a PayPal direct lending service that offers short-term business loans. It has become a favorite of small businesses for its simple and quick loan application process, with no hidden fees. LoanBuilder provides small businesses with a type of interest-free loan in which the borrower pays back a pre-calculated fixed fee plus the borrowed amount.

The federal Racketeering Influenced and Corrupt Organizations, also known as RICO, is a law that was passed in 1970. It was originally created to take down the mob because prior to RICO being enacted, prosecutors were only able to try mob-related crimes individually. This led to it being impossible to shut down the whole organization. Although RICO is not as commonly used in modern times, it is still used to prosecute individuals in corrupt situations.

If you are being sued for a debt, you need to consider all of your options. You may not even be aware of the fact that you can request a debt collector to verify your debt, and if they cannot, they are not legally allowed to sue you. This is also useful if you were to attempt to negotiate a settlement.

Do you cringe every time you hear the phone ring? It might have something to do with the repeated, unwanted calls you've been receiving from Receivables Performance Management. In their messages, they claim to be a debt collector, but you're wary of scams. What should you do?

Debt collectors can go to extraordinary lengths to track you down, and their repeated phone calls can leave you feeling trapped and desperate. But don't panic. Even collectors like Paramount Recovery Systems are easy to deal with once you know how. This guide will help you learn how to deal with debt collection calls from Paramount Recovery and put you on a path to clearing your name with your credit bureau.

National Credit Care is based in Colorado and promotes itself as a credit repair company focused on helping consumers improve their credit to qualify for a mortgage. Unlike most credit repair agencies, National Credit Care claims they do not use an automated dispute process. However, their self-proclaimed personal approach has still left many consumers unhappy with their services.

You don't recognize the number, so you send the call straight to voicemail. Their message reveals that they're calling from Glasser and Glasser about your outstanding debt. Now, you cringe every time the phone rings, worried it's yet another call from a debt collector aggressively pursuing their debt.

The Better Business Bureau classifies Financial Recovery Services as a collections agency. They specialize in recovering money from delinquent accounts for their clients. The company's alternative names are FRS, Financial Recovery Services of Minnesota, and fin rec svc.

Are you tired of receiving calls from Enhanced Recovery Company and trying to figure out how to stop them? Many consumers find themselves in this situation, and they feel helpless since they do not know what to do. To beat Enhanced Recovery Company (ERC), you need to know:

If you're in a business dispute and both parties can't find common ground, it usually leads to a lawsuit. If you are the one being accused, you may sometimes feel like it was actually the company that did you wrong. If this is the case, can you sue the company that is suing you? The short answer is yes, you can file a civil lawsuit against the company. But, before doing so, you need to know how it works.

Constructive discharge claims are lawsuits filed by an employee who has left their job because of intolerable working conditions. These conditions must have been so poor that they forced the employee to quit their position.

Rubin & Rothman, LLC is a law firm based in New York state. They specialize in third-party debt collection. Rubin & Rothman have received complaints of alleged violations of the Fair Debt Collection Practices Act (FDCPA). Generally, these include attempted debt collections on debts not owed, as well as threatening to take actions that they cannot legally take. If you have been contacted by Rubin & Rothman, it is important to understand your rights and how to properly approach the situation.

It's a sunny day, and you go outside to check the mail. What's that evil-looking envelope in your mailbox? A letter from a creditor on an unpaid debt? Your day might not look so sunny anymore. Jokes aside, credit card debt is a problem that people struggle with throughout the United States. The median average credit card debt is a staggering $3,706 per person, and everyday people with standard incomes struggle to repay it when they've got other expenses to deal with.

People who are in debt and stuck making monthly minimum payments often wonder if they can seek debt relief through various debt settlement programs. These programs claim to get rid of debt quickly. Oftentimes, they give all of your outstanding credit debt information to a company that claims they can resolve your debts. It might sound like a wonderful opportunity to anyone who is sick of calls from debt collectors.

If you're drowning in debt, you may be wondering how you can get your head above water and stay there. You're not alone. Millions of people in the United States and around the world are currently wrestling with debt. In this article, SoloSuit will help you weigh your options for debt relief.

If you're being pursued for a debt by Oliphant Financial, LLC, you're probably sick of annoying calls and letters. You may not even know who they are, let alone why they think you owe them money. Before agreeing to pay them any money, make sure that you understand what they are contacting you about. It's not uncommon for debt collection agencies to pursue people for debts they don't legitimately owe.

Have you applied for a loan or line of credit in the recent past? If so, you may see CBCInnovis on your credit report. They are a credit reporting agency that helps banks, lenders, and other financial institutions vet applicants.

Debt collectors can make you cringe when your phone rings. They could be calling for the umpteenth time to ask for their money. It gets worse when they use robocall software to make the calls, and you cannot have a meaningful conversation on the way forward.

If you receive calls from a company called Debt Recovery Solutions, you most likely have one or more unpaid bills to deal with. Debt Recovery Solutions is a third-party collector hired by businesses to get customers to pay their past-due bills, including everything from credit card debt to hospital bills to utility fees.

It is a high-stakes game where everything is well engineered. Americans fall into debt traps designed to make the banks rich at the expense of the average American. Around 70 million consumers have received a debt collection notice or been contacted about it.

Did National Credit Systems contact you recently? Have they entered the debt in your credit report? If so, you may have an unpaid rent balance owed to a landlord. National Credit Systems Inc is a legitimate third-party collection agency specializing in collecting for the multifamily residential industry.

CBE Group, a debt collection agency, has been around since 1933. The company serves hundreds of creditors, from cell phone providers to the federal government. CBE has a lucrative contract for the collection of U.S. Department of Education student loans.

If Pioneer Credit Recovery's name seems familiar, it's because they've been in the headlines frequently in recent years. They were one of five collection companies sacked by the Department of Education in 2015 after the IRS engaged them to collect on Americans' overdue tax payments. In 2017, the Trump administration rehired the firm to collect on defaulted student loan obligations again.

You sit at your desk, psyched to check every task off your to-do list. Your phone rings and you decide you can take one last call before you get to work. Instead of a cheerful greeting from someone you know, it's a robocall, some prerecorded message telling you to dial certain digits. You are angry. You decide to hang up, but now you are distracted.

Are you receiving multiple calls from 202-367-9070? Are they ignoring your request to stop calling? You're probably wondering why. 202-367-9070 is a number used by the IC System: a debt collection agency based in St. Paul, Minnesota with branch offices in Fargo, Lacrosse, and North Dakota.

With its many benefits, a credit card can make your life easier. You can buy on credit and pay later. It's a widely accepted payment method and may even improve your credit score if everything goes well.

Can you remember your first credit card or student loan application? Since that time, many companies have monitored and inspected your finances routinely. Financial institutions look at your credit score from the three major credit bureaus to understand your financial health.

If you have landed on this page, the chances are high that you have experienced harassment by CBV Collections. Unfortunately, you are not alone.CBV Collections has a history of rudeness, abusive practices, and ignoring consumer complaints. Read on to learn more about the company and how you can win against them. CBV Collections is a debt collection agency located in Canada with several offices. Their listed phone number is 1-888-311-1121 and compliance@cbvcollections.com is their email address.

If you have ever had a few drinks and gone to drive your car, the worst thing that could happen is to be pulled over by a police officer. If this has happened to you, then you might have faced some serious problems. Additionally, you may have heard the officers mention the term “BAC”. If your BAC is too high, you might face a drinking and driving alcohol charge, but what does BAC stand for?

Being contacted by a debt collection agency is an unpleasant experience that everyone would rather avoid. It can result in a constant stream of phone calls throughout the day telling you to make a payment for bills you cannot afford. It quickly becomes embarrassing and stressful to have consistent messages left on your voicemail, get contacted at work, or when a company contacts your family and friends about a debt.

Trespassing is a crime that is often considered an infraction, and it is most commonly prosecuted as a misdemeanor. However, if you've been caught trespassing, the consequence depends on the state you are tried in. In most situations, trespassing is not a crime that you want to commit.

When you can no longer pay your debt, you may hire a mediator to negotiate with the creditor on your behalf. However, knowing the difference between a good and average mediator could impact the result of the negotiations. For this reason, we'll discuss everything you need to know about hiring a mediator.

When you and your partner decide to terminate your marriage, you can make it official by filing a divorce. The process of filing for divorce varies depending on several factors such as the type of divorce, how long the couple has been married, whether or not they have kids, etc. In addition, some divorce processes are faster and less stressful than others.

Being served with a court Summons is always nerve-wracking, whether it comes in the form of a phone call or in the mail. If you've been summoned for a debt you do not recognize, you should verify the Summon's authenticity. That being said, it can be difficult to recognize if a debt is yours if you have multiple outstanding debts already. They seem to stack up in an overwhelming fashion. Rather than give up, be sure to verify the Summons document you received, or ask for verification on the phone before you take any more action. If the Summons is real, SoloSuit can help you respond and win in court.

If you are being subjected to harassing phone calls, emails, social media messages, letters, etc. by a debt collector with CMRE Financial Services, it is perfectly understandable to feel stressed, frustrated and anxious about the future. CMRE Financial Services, like many other debt collection companies, often utilize aggressive and abusive tactics to compel you to repay the debt you allegedly owe. That is why CMRE Financial Services may call you on your phone multiple times each day, try to connect with you on Facebook, Twitter, or another social media platform, and they will probably send you threatening letters in the mail. Here's everything you should know about CMRE Financial Services and how to beat them in court.

Getting harassed by a debt collection agent hired by Frontline Asset can be stressful and exhausting. Debt collectors can be overly aggressive, rude, and make empty threats with the goal of getting you to pay. If you are being subjected to this type of harassment, do not give up hope. You have legal options and tools available that can show you how to beat Frontline Asset in court.

If you are being subjected to harassment by a debt collector associated with Gurstel, it is perfectly understandable if you are feeling stressed, frustrated and anxious about the future. Gurstel, like many other debt collection law firms, often utilize aggressive and even abusive tactics to get consumers to repay the debt they allegedly owe.

Based in Doral, Florida, Everest Business Funding is an online provider of loans and merchant cash advances. Typically they provide these loans, including merchant cash advances programs, to small businesses in need of working capital. If you default on a loan with Everest Business Funding, you may receive information in the mail regarding a lawsuit. It is essential to respond to this lawsuit as soon as possible. Here's everything you need to know about Everest Business Funding and how to beat them in court.

If Lincoln and Morgan have been calling you to say they represent Kabbage, then you might be part of a debt collection lawsuit. You may have borrowed from Kabbage because they offer easy loans with an application decision in minutes. Applying for a loan gives Kabbage access to your business performance and credit score in order to determine eligibility for a loan. If your application is accepted, Kabbage will offer immediate access to funds. With lines of credit up to $250,000 in all 50 states, the loans can be used for working capital needs such as inventory, renovations, and payroll.

Lawsuits and litigations come with unexpected expenses. For example, you may need to pay for your medical bills to treat injuries from a car accident that led to the lawsuit. These injuries may also keep you out of work for a while, making it impossible to earn a living to manage your expenses, such as your credit card bills or rent. That's where pre-settlement lawsuit funding comes in.

A Request for Admission shortens the lawsuit timelines and reduces the costs involved, although it may be complicated if not handled correctly. When you receive the Request for Admission document, you must respond as soon as possible to avoid missing the deadline. In addition, you must abide by the Rules of Civil Procedure to ensure that your response is well-prepared. Here's everything you need to know about how to respond to a Request for Admission and the requirements to submit an acceptable answer.

Debt collection can be a dicey business. Knowing the rules about how professional debt collection licensing differs by state can protect you from a debt collector acting illegally.

In 2019 alone, the Consumer Financial Protection Bureau (CFPB) received 21 complaints regarding the actions of Alpha Recovery Corp. These complaints were based on the fact that they used poor communication tactics, attempted to collect debt not owed, and even added incorrect information on consumers' credit reports. In some cases, Alpha Recovery Corp threatened to contact someone or share information improperly and even took or threatened to take legal action. If this sounds like something you have dealt with, or if you are simply being sued for debt by Alpha Recovery Corp, continue reading to learn how to beat them in court.

If you are being sued in court for debt, it is essential you know what you are dealing with, and how to handle the case. Debt lawsuits can be expensive, and if you do not answer in a timely manner this can open up other avenues for debt collection, such as wage garnishment and taking funds directly from your account. If you have noticed a debt collection lawsuit from P and B Capital Group, you may wonder if this is a legitimate company and how to respond. Here's everything you need to know about P and B Capital Group and how to beat them in court.

The end of a marriage can be a stressful and drawn-out process. Sometimes it's amicable, but often it's not. Even when both spouses can work together, there are an overwhelming number of legal considerations you'll have to make decisions about. When spouses are warring, the process is even worse.

Have you received a call from 800-846-6406? Wondering who they are? 800-846-6406 is a number for GS Services, a debt collection agency located in Houston, Texas. It is the largest private outsourcing call center provider and debt collection agency in North America. Over 7,500 employees work for GC Services and are trained on pressuring consumers to pay their student loans, but they also deal with all types of debt.

Having some debt is almost inevitable; it's part of life. However, when you're dealing with a delinquent account, things can get a little bit complicated. It's challenging to convince a prospective landlord that you'll be a reliable tenant when you're already behind in existing debts. All hope is not lost, though.

Multiple calls, emails, or voicemails from debt collectors can be frustrating and lead to financial and emotional stress. Ellington and Associates Collections is one such debt collection agency that aggressively contacts consumers to clear their debt.

Debt collectors cause consumers prolonged stress with their endless requests to pay off debts. US Bank Collections is no exception, as they have a whole department dedicated to aggressively seeking consumers to pay money they owe.

Debt collectors are known to be highly aggressive. Enhanced Recovery Company, LLC (ERC) collection agency irritates consumers with their persistent and misplaced calls, unrecognized debts, unprofessional staff, and harassing tactics.

CardWorks Servicing is one of the most confusing debt collection companies to deal with. Aside from the insistent calls, most consumers are never sure whether CardWorks is a bank, a third-party debt collection agency, or another party.

The American debt collection industry is booming with no sign of slowing. Over 7,000 collection agencies, valued at $18.8 billion, reap roughly $13.4 billion in annual revenue. Your creditor will probably contact you if you fall behind on a bill for the first time. If the account goes unpaid for a while, it's often transferred to a debt collector. One of these collection agencies is Client Services, Inc., commonly referred to as CSI.

The sight of an unknown credit account on your credit report can be very unsettling. Even more worrying is the thought that it could be ruining your credit score, or worse, a case of fraud. So it's understandable to be concerned about a JPMCB account on your report.

A phone call from a debt collector can be terrifying and frustrating. Collectors use aggressive means to get consumers to settle a debt they may not even know about. They may also use illegal tactics to compel them to respond without verifying the debt. Southwest Credit Systems (SWC Group) is no exception. SWC Group is a Texas-based third-party debt collection agency that manages billions of dollars in receivable accounts in the following industries.

Some creditors use a third-party collection agency to help them get their money back from consumers who have fallen behind on their payments. It's challenging to deal with the collectors, especially if you cannot pay up during the initial demand. However, debt collectors are obligated by law to respect your rights when interacting with you.

A Motion to Suppress is a formal request made by a defendant to exclude certain evidence in a case during trial. The motion is filed with the court and considered by the judge. A hearing where the parties can make arguments for, or against, the motion may be necessary.

A statute of limitations is the law that sets the maximum amount of time one party has to seek legal action against another party from the date of the alleged offense. The main goal of the statute of limitations is to protect defendants from unfair prosecution. The law assumes that after a certain time has passed from the date of the alleged offense, relevant evidence regarding the offense may have as well been lost.

In a civil case, a plaintiff is the party that brings legal action or in whose name such action is brought. The defendant is the party targeted by the legal action filed by the plaintiff. This article discusses the key differences between plaintiffs and defendants in debt collection lawsuits.

The United States judicial system provides different options for residents to check the status of their cases. For example, if you have a case in court, you can track its progress at the state or federal level. The Public Access to Court Electronic Records (PACER) service is widely used at the federal level. At the state level, the procedure varies from state to state. We've included a list of statewide case lookup tools for all available states. You can search for your case if it's at a state level here. If there is no lookup tool for your state, try looking up your county search tool. If it's on a federal level, check with PACER.

If you have an overdue debt that you have postponed to pay, do not be surprised if Aargon Agency Inc contacts you. Aargon Agency Inc is a debt collection company that has been in business for over 26 years. They may call multiple times a day, send you several emails, or leave countless voicemails, all in the hopes of getting you to pay off your debt.

Whenever you request your credit report from the major credit bureaus, you hope everything is in order. You also hope to recognize every account in your file. From time to time, though, some unknown accounts sneak up on you.

Zwicker & Associates PC is not your usual debt collector. They are a law firm that specializes in debt collection, which is a nightmare for consumers. Dealing with Zwicker can be overwhelming, but you can succeed. Know their strategy and protect yourself.

If you have received a message from VanSlam, Inc. then you are most likely being sued for debt. Being sued is a stressful experience, but you don't have to deal with the lawsuit on your own. SoloSuit can help you represent yourself in court, which saves you the time and cost of finding an attorney. You don't have to surrender to a debt collection lawsuit—fight back today and win in court! Here's how.

What happens if you notice an error on your credit report? The mistake won't go away by itself. When you notice an error, you need to file a dispute with the credit reporting agency. Errors on your credit file can affect your overall credit health and should be rectified as soon as possible.

It's a life-changing experience to join the US armed forces. A career in the military provides opportunities and experiences that few jobs can match, but it is a challenging life that requires sacrifice and courage. Enlisting for education opportunities during service and after returning to civilian life is attractive for many people who consider enlisting.

Avant is an online lending platform that provides access to credit through a quick and easy application process and enables loans to be managed online conveniently. The loan servicer was founded in 2012 to lower borrowing costs and barriers for everyday people by using data to streamline the online borrowing process. Avant offers the option of checking your interest rate online without affecting your credit score, as well as quick funding, often as soon as the next business day. The loan and payment management application is available on a mobile device.

KeyBank promises to provide excellent services and reasonable interest rates when getting a student loan. For some customers, this is not the case as KeyBank has received countless complaints and negative reviews for their harsh treatment, exorbitant interest rates, unfair late fee charges, and outrageous overdraft fees.

In debt collection lingo, a defendant is an individual or entity being sued over a debt. The person or entity filing the debt collection lawsuit is referred to as a plaintiff. In this article, we'll cover everything you need to know about a defendant in a debt collection lawsuit, covering their rights, legal options, and so much more.

A plaintiff is an individual or party that files a lawsuit. For example, in debt collection, the plaintiff is usually the creditor, debt collection company, organization, or any other entity the defendant owes money to. In this case, the defendant is the party being sued by the plaintiff.

If you have ever needed money fast, you may have looked into a loan from Westwood Funding. Although this can get you the money you need upfront,, it can eventually lead you to being in more debt than before. If you are unable to pay your debt, Westwood Funding may end up suing you in court.

If you find yourself as the defendant in a lawsuit filed by one of your creditors, you are not alone. Millions of Americans find themselves in this exact situation every year. So, despite the nerve wracking aspect of being served with a Summons about an impending court date, you do not have to go through this alone.

Are you getting multiple calls from 888-899-4332? Do they ignore your request to stop calling? Probably because 888-899-4332 is the phone number of Transworld Systems Inc (TSI), a debt collection agency. Transworld Systems works with individuals, large organizations, and companies to help them collect outstanding debts from consumers.

The United States has over 7023 debt collection agencies. The $18.8 billion industry generates more fraud reports to the FTC than any other industry does. Abusive debt collection practices hurt financially vulnerable consumers. Often, consumers pay collectors money they don't owe, falling deeper into debt.

Imagine if you could free yourself from unmanageable debt. Can you picture what your life would be like if you could regain your financial health? Filing for bankruptcy might be the answer. You can recover your financial stability.

In the United States, there are many federal and state laws that govern mediation. These laws are complex, but they regulate the relationship between mediation and the regular trial. Although alternative dispute resolution methods have been around for a while, mediation has changed over the years. More specifically, it's changed from an authoritative trial to dispute settlements. Here's everything you need to know about mediation.

THD/CBNA is one of the codes that appear on your credit report when you apply for a Home Depot credit card issued by Citibank. The acronym stands for The Home Depot/Citibank North America and may also appear as CBNA/THD. Here's all you need to know about this code.

If you are months or more past due on a debt, your creditor may assign or sell the debt to a third-party debt collection agency. At this time, the debt collector may purchase your debt and then work to collect the debt or be paid to collect on the debt. If you do not pay off the debt, you may find yourself in court. If you are being sued for debt by D&A Service and not sure how to respond, you can follow the steps below to win.

If you're being hounded by a debt collection company like National Recovery Solutions, you may be feeling anxious and uncertain about your financial future. This is perfectly understandable. Most people do not anticipate receiving multiple threatening calls and letters from an aggressive debt collector.

A credit card can put you in a vicious cycle of debt and tremendous financial stress. If you're unable to clear your outstanding balance on your Santander credit card, you may want to consider negotiating a debt settlement.

Getting credit can be a chicken-and-egg scenario. You can't get credit cards and loans if you have bad credit or no credit, but you can't build your credit without a credit card or loan. Secured credit cards, like First Progress, are a win-win: the lender takes almost no risk, and you build your credit history.

While genuine debt collectors are simply doing their job, some debt collection practices are unfair or even illegal. Even if you owe some debt, no one has the right to mistreat you in an attempt to collect a debt. Debt collectors are bound by the Fair Debt Collection Practices Act (FDCPA) laws. The FDCPA protects consumers, like you, from harassment and abusive debt collections practices.

Have you gotten a call, text, or email from someone claiming to be a Carmel Financial debt collector? Do they insist you have an unpaid loan or credit card balance you are unaware of? Have they demanded immediate payment and threatened to file a lawsuit? You are not alone.

Without the time and expertise to chase after a debt, a landlord can hire a collection agency. While a collection agency may assist the landlord in collecting from a judgment, it rarely limits its clients to judgment holders.

Is Discover Collections giving you a headache with constant calls, voice messages, and never-ending emails? Did you know Discover has no legal authority to harass you? Regardless of the debt you owe and the time that has elapsed, The Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) protect you from harassment and unfair treatment by debt collectors.

Debt comes in many shapes and sizes, and not all are bad. In short, debt is simply borrowing money and repaying it, and loans are classified according to their purpose. Secured, unsecured, revolving, and installment debt are the most common. Some of these overlaps, as you'll see below.

It's possible to negotiate a settlement with Navient over your student loan. Even though there's no guarantee that Navient will accept your settlement offer, it's always worth giving it a try. This article discusses all you need to know about making a settlement offer to Navient.

Synchrony Bank's Hardship Program is a credit repayment plan that helps account holders manage a difficult financial situation. The bank is renowned for issuing retail credit cards for popular brands like PayPal, Walmart and Amazon.

If you've received a call from Resurgent Capital Services or LVNV Funding regarding a debt you supposedly owe, it's always necessary to know how to respond. This article discusses everything you need to know about beating these two debt collection agencies and securing a significant victory in your journey to a debt-free life.

RISE loans are usually designed for individuals with bad credit or those who don't qualify for loans from a traditional bank or online lender. For this reason, RISE loans are usually taken during emergencies. This is because they have very high interest rates, usually higher than regular payday loans. So, if you're wondering how to get out of a RISE loan, this article covers everything you need to know.

Paying bills is a necessary evil of life. If you happen to get behind on your bills, due to job loss or another setback, it can greatly impact your pay schedule. After a certain number of missed payments, you may have debt collectors coming after you. One of those debt collectors might be IC System Inc.

Monarch Recovery Management is a collection agency based in Bensalem, Pennsylvania. Founded in 1973, they have grown to over 300 employees. If you have been notified that you are being sued by Monarch Recovery Management, it is very important to respond to the lawsuit. If you do not, then you may have a judgment placed against you. This can be serious and cause more harm.

American Coradius International (ACI) is a financial service agency that frequently represents banks and finance companies. ACI is a third-party debt collection agency, which means that it is required to abide by the Fair Debt Collection Practices Act (FDCPA). This is a federal law that protects consumers from abusive debt collection tactics. If you believe you have been harassed by ACI, then you need to learn your consumer rights to increase your chances of beating American Coradius International in court.

FCRA stands for Fair Credit Reporting Act. According to this act, the law requires that consumers' credit information is accurate, protected, and used fairly.

If you are being sued by a debt collector, it is important to act as quickly as possible. Winning a debt collection lawsuit is possible, but your chances of winning are much greater if you can find the cracks in the opposing party's case. This involves taking a close look at the court Summons and Complaint and responding with information that will build you the strongest case. You can beat Firstsource Advantage in court, and this is a brief guide on how to do it.

You may notice a new account listed under CBNA on your credit report if you've recently applied for a new credit card. In that case, you don't need to worry; it indicates that there's a hard inquiry into your credit history. However, suppose you haven’t applied for a loan or credit card recently, and you notice a CBNA on your report. In that case, you need to investigate the entry to avoid future financial problems and a damaged credit report.

Debt collection companies like NCB Management Services usually don't favor the idea of a lawsuit when consumers fail to pay what they supposedly owe. This is because lawsuits are hectic and time-consuming. When debt collection agencies contact you, they hope to settle the debt out of court by creating a payment plan that works for both parties.

The FCRA requirements are related to the Fair Credit Reporting Act (FCRA). This primary federal law regulates how consumer reporting agencies may use consumer information. The Fair Credit Reporting Act is a federal statute initially passed in the 1970s, with the current version being enacted in 2003.

Everyone experiences annoying calls from random numbers and, if you dare answer, the odds are high that you will find a pre-recorded, robocall message on the other end. Hundreds of people around the country receive calls from 888-912-7925. If you try calling the number yourself, you'll receive a pre-recorded message stating that "the person at extension blah blah blah is not available. Please leave a message at the tone."

The United Services Automobile Association, or USAA Federal Savings Bank, is headquartered in San Antonio, Texas. Their services include insurance, banking, credit cards, auto loans, investments, and retirement planning for millions of military personnel and their families.

Even though Americollect claims to be ridiculously nice, respectful, and treats debtors with dignity, there's nothing good about medical debts. Unpaid medical bills can accumulate into thousands of dollars within a short period. No one needs the stress of medical debt added to the worry of a hospital visit.

Feeling like you work at a call center because your phone is ringing off the hook with calls from debt collectors really sucks. If you genuinely owe them money, you're already stressed just trying to get your finances in order so that you can pay up in good time. If you don't recognize the debt, it gets even more frustrating. Sometimes, alleged debt collectors ask you to pay more than you owe or money you don't owe at all.

A natural reaction to a call and a letter from any collection agency is denial or indifference. Neither approach is practical. Even small or old debt can stick with you for years, resulting in annoying calls and communication from debt collectors and potential damage to your credit score.

When you can't afford to pay your Discover credit card debt, you may consider other unfortunate options like filing for bankruptcy. Although this option completely wipes away your debts, it comes with severe consequences. Filing for bankruptcy will remain on your credit score history for up to seven years. During that time, you may have difficulty securing loans or even housing.

National Enterprise Systems is a debt collection agency in the United States, mainly servicing the East Coast. When suing you for a debt, National Enterprise Systems will do everything in its power to ensure they collect that debt. Understanding who National Enterprise Systems is and your rights under the Fair Debt Collection Practices Act can help you beat National Enterprise Systems in court.

Here's the thing: nothing lasts forever, not even debt. If you've been sued for a debt in Maine and you think the statue of limitations has expired, use SoloSuit to fight the lawsuit and assert the statute of limitations properly.

If Stepehen Einstein is coming after you for a debt, send a Debt Validation Letter to get them off your back.

If you have not received information stating the amount and nature of your debt from Solomon and Solomon PC within ten days of their initial contact with you, you have a right to request a debt validation to avoid paying a debt you don't owe.

When it comes to being served with a debt collection lawsuit, there are measures in place that need to be upheld. One such measure is the proper service of court documents to the opposing party. In the realm of civil litigation, sewer service is the term used to describe failing to serve a notice of complaint on a debtor.

Receiving a call from Central Mediation Services demanding you pay an outstanding debt causes incredible stress. Beating a Central Mediation Services phone call involves finding out if the call is legitimate, what company you are dealing with, and knowing the tricks Central Mediation Services uses by reading their consumer complaints.

Most debt collection lawsuits settle before going to trial. When that happens, both parties agree to sign a settlement agreement. A settlement agreement is a legally binding written document showing that both parties have agreed to a particular outcome to settle the lawsuit.

If you are considered a legal coach, it may be due to being in debt or having other run-ins with the legal system. If you are being sued for debt specifically, you may want to consider a legal coach if you feel that you are not prepared, or have no idea what to expect.

Life can be very difficult for those with a disability, and if you find yourself in debt it can get a lot worse. If you are living every day with pain, then you may have a way out of your distressful credit card debt.

If a debt collector is calling about your debts then it is most likely because you have not made all of your payments. Once a debt goes into default, a creditor may attempt to hire a debt collector to collect that debt.

A power of attorney grants you the responsibility to make important decisions on behalf of your parents if they're incapacitated or can no longer manage their affairs. So if you're wondering whether you're responsible for your parent's debt because you have power of attorney, this article explains everything you need to know.

When you rent your property, you expect the tenants to treat the space with the respect it deserves and adhere to the lease agreement. Unfortunately, this is not always the case. Some tenants will knowingly break the lease agreement terms, leaving you with no choice but to pursue eviction.

Although it's better to have a competent lawyer help you fight a medical bill debt, given how complicated they can be, you don't necessarily need one. Here's everything you need to know if you've been sued for a medical bill debt.

Located in Missouri, The Oak Grove Courthouse is a Municipal Court that presides over all traffic-related and city ordinance violations cases filed by the Oak Grove Police Department.

According to Wallethub, Alaska has the least sustainable credit card debt in the United States. If you've fallen behind in your financial obligations, it's best to learn more about debt relief options to get creditors and debt collection agencies off your back.

In Oregon, debts worth $10,000 and below are filed at the small claims Circuit and Justice Courts. These debts are often resolved without the help of a lawyer. Therefore, it's important to understand how to effectively represent yourself in court if served with a small claim complaint in the state.

It's normal to panic when served with a debt collection lawsuit. However, did you know that you can file a motion to extend the time to answer the summons and complaint from the plaintiff? Read on for more details.

If you're unable to repay your debt and debt collectors exhaust other means of trying to get you to pay the debt, they'll most likely resort to filing a lawsuit against you. After filing the debt collection lawsuit, they'll serve you with a summons and complaint letter about the debt. You'll need to provide an answer to the court within a set period or risk losing the case by default.

If a debt collector contacts you about a debt you're unsure about, you have the right to dispute it and ask the collector to verify that you owe the debt.

Have you received a debt collection Summons and Complaint about an old debt in Illinois? If your Answer is yes, it's about time to plan how to respond to the lawsuit, avoiding a default judgment in the process. A lawsuit is often the last resort debt collectors or creditors opt for while recovering delinquent debt.

A creditor or debt collector can file a complaint against a debtor for unpaid debts within a specified period. This period is usually referred to as the statute of limitations. It varies from one state to another depending on the type of debt or contracts from which the debt arises.

Consumer reports suggest that more than one in every three Delawareans has a consumer debt in its collection stages. If you fall into this category and you're facing a collection lawsuit, read on for more details.

Debt settlement may seem like a good option when you find yourself overwhelmed by several delinquent debts. When you're in such a desperate state, you can easily buy into the promises of a debt relief company such as the National Debt Relief.

If you've been sued over old debt in Minnesota, don't give up on the case; you have a great chance of winning the lawsuit. This is because ignoring the lawsuit could cost you more financial stress, especially if the court awards the debt collector a wage garnishment order to collect part of your wages until the debt is cleared.

Away from the sandy beaches and tropical climate Hawaii is famous for, the state has one of the highest consumer debts in the country. So if you're struggling with your credit card loan, mortgage, or student loan, you're not alone; a huge number of Hawaiians are seeking solutions to debt and financial problems.

A statute of limitations is the time limit a creditor or a debt collector has to file a debt collection lawsuit for an unpaid debt. When this period expires, the collector can't use any legal actions against a debtor, although they can continue with other debt collection tactics outside court.

Also known as The Lone Star State, Texas has one of the fastest-growing economies in the country. However, the burden of debt continues to haunt many families in the state. If you live in Texas and have been sued over old debt, it's important to understand the state's debt collection laws and how to respond to a collection summons in case of a lawsuit.

If you're facing a debt lawsuit in Colorado and you don't know what to do, then you're at the right place. First, you'll need to know whether or not the debt collector has the legal right to sue you. If the debt is old and you barely remember anything about it, chances are that it's time-barred.

Creditors in California have only four years to sue debtors for most types of unpaid debts. However, it's important to understand a few exceptions to this period if you face a debt collection lawsuit in the state. Here's everything you need to know.

When you've been sued over a credit card debt, the plaintiff usually hopes that you'll ignore the lawsuit. Unfortunately, ignoring the lawsuit means the court will pass a default judgment against you, awarding the plaintiff legal authority to pursue other debt collection methods such as wage garnishment to recover the amount you supposedly owe.

Must owning a business mean being personally liable for its debts? Learn steps you can take to avoid putting your personal assets at risk.

Millions of Americans suffer from debt, and if you have a past due credit card debt of your own, you might feel like all hope is lost, but this is simply not true. Debt collections are common but can lead to negative consequences.

When dealing with debt collectors you may feel like everything is against you and that you are at a disadvantage. So for anyone who is struggling with debt but does not have money to pay an attorney to represent them, it is important to know that legal support services for debt collection are available. Oftentimes these can be found at low, or no cost.

Debt collectors employ various tactics to recover what you supposedly owe them. Such measures include lawsuits, frequent calls, emails, and letters, which can be frustrating to deal with.

Creditors usually begin the debt collection process 30 days after a payment's due date has passed with no payments made by the debtor. At this point, you may start receiving numerous calls, letters, or emails from the creditor.

Are you being sued by Midland Funding? You’re not alone. Receiving a Summons for debt collection from Midland Funding is a serious legal matter, and you should take it seriously. If you fail to respond to the lawsuit, you run the risk of having your wages garnished and your property taken. Additionally, depending on what was included in your contract with the original creditor, you may be liable for collections costs, as well as legal and attorney fees. In this article, we’ll explain everything you should know about Midland Funding and how to beat them in court.

Arnold Scott Harris, P.C. is a lawyer who acts as a debt collection agency. This agency is known for its consecutive robocalls and debt collection calls to the wrong consumer. They have been given a one-star rating by the Better Business Bureau, and for good reason.

It can be an extremely difficult time if you cannot pay your bills and need to support your children. As of recent months, millions of families are facing the threat of eviction due to the rent moratoriums ending, and the declining economy.

If you are being sued for a debt, you have to at least file an answer in time. If you didn't, you will get a default judgment against you, and that means that the judge will decide in favor of the debt collector suing you. If you don't make any payments after the default judgment, the debt collector may ask the judge to put a lien on your property.

If a debt collector sues you over old debt, you might be wondering what actions to take next. Although it might be tempting to ignore the lawsuit, especially if the debt is time-barred, you'll still need to file an Answer.

Wyoming is among the top 10 hardest-working states in the US. However, some residents of the Cowboy State still find themselves in debt in one way or another, prompting debt collectors to attempt multiple debt-recouping strategies. But like other states, Wyoming also has laws that govern debt collection, including the statute of limitations on different types of debts.

If you are in debt and cannot pay it, then a debt collector may eventually sue you to recoup their debt. If this has happened to you, you must respond. If you do not then you may have your wages garnished or money taken directly from your bank account. Knowing your rights will ensure that this does not happen to you.

If you are suffering from debt and you are unemployed with no savings, it can be very stressful. Although you might feel hopeless, you have options. One of these options could be a credit card, but this is usually a bad idea.

If you are unable to pay your credit card bills it might feel overwhelming and you may want to just stop paying. This is the worst thing you can do because the debt and interest will only rise.

The Josephine County Courthouse was created by the Territorial Legislature on January 22, 1856. Probate court is often seen here, and in the state of Oregon, the Circuit Court is the level of the court responsible for matters of probate.

I.Q. Data International, Inc., also known as Assurant Recovery Solutions, is a debt collection agency that is located out of Washington state. If you have seen them listed on your credit report then you will know that they have reported this delinquent account to the credit bureaus. This is common if you forget to pay a bill.

Allied Interstate is a subsidiary of iQor, Inc. They are known for intervention solutions for 1st party collections, 3rd party collections, attorney collections, and bankruptcy collections. They have over 12 different call centers around the United States and have over 10,000 employees.

Most creditors will declare your account the moment you miss a payment, you will also most likely get a grace period if you happen to forget or be a few days late. Despite this, you need to act quickly in order to avoid fees as well as damage to your credit score.

E-filing is an electronic system that allows both individuals and businesses to file income tax returns through the internet and electronically. Since 2016, there have been over 120 million tax returns filed in this manner. Efiling can also be done to various types of documents.

Being sued for debt is never fun for anyone. Unfortunately, it is common because millions of Americans are suffering from debt. If you cannot pay all of your debts you may need to decide which debts you want to prioritize. Even if you know that you are in default, it is never a happy day when a debt collection lawsuit is served to you.

If you are about to purchase your first condo, or you have been living in a home that belongs to an HOA for 20 years, you most likely calculate your HOA dues into your monthly mortgage. You knew that there was a monthly homeowners association (HOA) fee due each month, but there are ways to get out of paying such high dues.

When you are in debt it can be stressful and a horrible experience. You might even worry about being sent to jail for not paying your debts. Despite this, it is usually not the case. With most debts, you cannot go to jail because you are past due on credit card debt or student loan debt. The only time you can go to jail for not paying your debt is due to not paying taxes or child support.

When it comes to carrying debt in the state of Georgia, residents are known to be responsible for some of the most auto loan debt, student loan debt, and credit card debt in the United States. That being said, there are limits on debt in Georgia, and these limits pertain to the statute of limitations.

If you are being brought to court for debt, it means that you are being sued for not paying it. When it comes to a trial, there are typically two discussions.

The total household debt for New Yorkers has reached records heights over the last few years. This is partly due to the growth in mortgages, auto loans, and credit card balances. If you're a New York resident worried about an old debt, it's essential to know that the Fair Debt Collection Practices Act protects you from creditor harassment. In some cases, debt collectors seek repayment of an alleged unpaid debt after the statute of limitations has expired. The statute of limitations is a finite period that creditors or collection agencies can sue a debtor or request collection for debt.

Credit card debt can feel like it is swallowing you whole, but if you do not pay it, then your credit score will take a big hit. If you do not care about owning a home, obtaining a rental lease, or being able to get a new credit card, then you might not care about your credit score.

If you are at risk for eviction it is a serious matter. Losing the roof over your head can be the difference between safety and security. Although laws vary based on the state you live in, your landlord cannot just go to court and obtain an order to evict you. There are rules, laws, and regulations that they must go through in order to start this process.

If you are sued for a debt, due to nonpayment, and a default judgment is placed against you, your wages can be garnished. The process of wage garnishment means that a portion of your wages will be paid to the creditor in order to satisfy your debts. Each law has different legal limits and rules surrounding this.

Debt collection lawsuits are no joke. They typically involve two parties, known as the plaintiff and the defendant. The plaintiff is the creditor or debt collector that initiated the case. The defendant is the debtor, or the person who supposedly owes money. Dealing with debt is always stressful, but there are steps you can take to have your case dismissed. If you are dealing with the original creditor then you have less of a chance for a dismissed case, but debt collection cases are most often handled by debt collectors. Although a dismissal is not always a possibility, it never hurts to try.

Every state has its own laws that govern how much a creditor is allowed to garnish from your wages after a default judgment has been placed against you. In the state of New York, wage garnishment laws are known as "income executions".

Each state in the US has a statute of limitations on debt. This statute indicates the time a debt collector has to file a debt collection lawsuit against you. If the debt collector files a lawsuit outside the statute of limitations, the lawsuit will be considered unlawful and the debt null and void.

Who is suing me? This might be a question you end up asking yourself, like millions of other Americans each year. When a lawsuit is filed against you, you should receive a Summons and Complaint (usually in the mail). These are court documents that notify you of the lawsuit and outline how much you supposedly owe. Despite this, you might be sued without ever knowing.