Debt Collection Blog

Love, Beal, and Nixon may be more willing to settle debt outside court than you think. To succeed, you must not ignore communication from the firm. Respond to collection letters and calls with a Debt Validation Letter. If they verify the debt, review your finances and consider making a settlement offer.
A judgment on your credit report may prevent you from getting a new line of credit for months or years.
New York no longer includes medical debt on your credit report. While this is good news, you are more likely to be sued by a debt collector now that they have fewer options.
If you’re in California, you’re in luck — new debt collection protections might be headed your way. It's called the Rosenthal Fair Debt Collection Practices Act.
Getting served papers for debt means that a creditor or debt collector is using the legal system to compel you to pay. But you have rights. You should file an Answer to assert these rights.
In California, a judgment can last 10 years, and creditors can renew past this period. SoloSuit provides options for addressing these judgments both before and after they happen.
Current Florida law stipulates that a judgment can last up to 20 years, though creditors can seek renewals so that judgments can remain in effect indefinitely.
Bankruptcy can remain on your credit report for up to ten years, so explore all your options before filing.
A Chapter 7, sometimes called liquidation bankruptcy, uses non-exempt assets to pay as much unsecured debt as possible and then discharges the rest. Chapter 13 allows consumers to reorganize debt repayment over several years.
Filing Chapter 7 bankruptcy can eliminate debt quickly, and a bankruptcy discharge prevents some creditors from continuing to harass you. On the flip side, it will hurt your credit for years to come.
How long does a credit card judgment last in NY? After you lose your court case, creditors will have a legal claim over you and your property for up to 20 years.
Does judgment debt expire? The short answer is usually “yes,” but there’s much more to it.
Healthcare debt can feel insurmountable, and relief programs are few and far between. But for some residents of northwestern Ohio and southeast Michigan, there’s a new program erasing millions of dollars of debt
To resolve debt with Designed Receivable Solutions, ask the agency to validate the debt and then consider negotiating a new payment plan or debt settlement.
Are you wondering how to remove MiraMed Revenue Group from your credit report? This medical debt collector won’t go away until you resolve your debt. You can negotiate debt settlement options with the help of SoloSettle.
If contacted by the Ability Recovery Services, here's how to respond: validate the debt, know your rights, respond to any pending lawsuits, and settle the debt outside of court.
To settle debt with Brock & Scott PLLC, you can hire an attorney, use a debt settlement company, or approach the firm to request a settlement.
Medical debt can lower your credit score, but only if the amount exceeds $500 and your debt has gone unresolved for over a year. Paid medical debt will automatically disappear from your credit report.
To respond to a South District Group debt collector, you have some options. You can ask them to validate your debt, settle outside of court, or file an Answer to fight the case in a hearing setting.
A judgment stay under Texas law gives you three months to take action and prevent the creditor from executing the judgment. Use SoloSettle to settle the debt and avoid having a judgment that lasts for ten years.
The law protects consumers like you from unfair or deceptive collection tactics. Unfortunately, collectors don’t always follow the law. Recently, Nicholas Financial faced a class-action lawsuit for violating debt collection laws.
U.S. debt laws protect against unfair collection practices, ensure debt validation upon request, prohibit harassment, and restrict lawsuits beyond a statute of limitations.
To resolve debt with Virtuoso Sourcing Group (VSG), consider debt settlement, which involves negotiating to pay less than you owe. Dispute incorrect debts with a Debt Validation Letter.
To negotiate with Professional Debt Mediation, send a Debt Validation Letter. If they confirm the debt, offer to settle at 60% or propose a payment plan with installments.
Florida debt settlement laws protect residents from unfair debt collection practices and extend consumer protections already in place at the national level.
Debt collection agencies are adopting AI to track consumers, contact them, negotiate deals, and determine their ability to pay.
SoloSuit can help you respond to a lawsuit and even take steps to help you resolve your debt permanently through debt settlement.
New debt collection laws in 2024 center on consumer protection, namely by banning medical debt credit reporting in some states and increasing minimum wage.
Discovery is a legal process where parties exchange information and evidence relevant to a lawsuit. This information includes documents, interrogatories, depositions, and witness testimony to build each side's case. Discovery helps both parties prepare for trial and promotes settlement discussions.
In most states, debt collectors cannot garnish more than 25% of your wages, but garnishment laws vary by state.
A credit report entry from Global Payments Check Services means you owe a debt to a creditor, or there was a wrongful entry.
In arbitration, both sides explain their perspectives, present documents and witnesses, and an arbitrator weighs the evidence and makes a decision.
Debt collectors may prefer settling outside court because lawsuits are lengthy and costly, and outcomes are not guaranteed.
To prepare for court, read and respond to court notices, attend hearings, understand the process, file necessary documents, and prepare your case with evidence and questions.
To negotiate with debt collectors, verify the debt, make a fair initial offer, be prepared for counteroffers, and document your agreement in writing.
To negotiate debt with creditors, explain any financial hardships, make a fair offer, prepare for counteroffers, avoid empty threats like bankruptcy, and know who to contact to negotiate the settlement.
Safeguard identity by freezing credit, using 2-factor authentication, secure document disposal, and monitoring credit reports regularly.
To resolve debt with PlusFour collections, ask the company to validate the debt and, if valid, work out a debt settlement agreement.
40% to 60% is typically accepted in debt settlement, but the amount is influenced by many factors, such as the debt's age, the creditor involved, and your finances.
If Trident Asset Management has contacted you about a debt, respond with a Debt Validation Letter or settle the debt before going to court.
The Mission Lane credit card can be a gateway for those with poor credit scores seeking improvement, but user experiences vary.
The best personal loan for good credit should be accessible and affordable, have transparent terms, and offer a positive customer experience.
Selling a car privately with a lien is possible. You can use the buyer's money to offset the loan and remove the lender’s name from the title.
Washington State's lawsuit against Optimum Outcomes, which lead to an $827,290 penalty, is setting a precedent in medical debt collection law compliance.
CFPB's new rule lowers credit card late fees to $8 from May 14, 2024, saving U.S. consumers $10B yearly, despite legal challenges.
NY Attorney General sued Citibank for inadequate fraud protection and refusing to reimburse defrauded customers, seeking damages and injunctions.
To resolve debt with CBM Services, confirm the debt's legitimacy first. If valid, consider full payment, debt settlement, or disputing if it's not yours.
Credit Glory helps consumers to dispute errors on credit reports and provides credit education, coaching, and guidance.
To dismiss a case by Wilber and Associates, either settle the debt out of court or file a Request for Dismissal for valid reasons like statute limitations or lack of evidence.
To settle debt with Simon's Agency, respond to their lawsuit, assess your finances, make a lump-sum offer, and get the agreement in writing.
To stop federal student loan wage garnishment, arrange a hearing to dispute it. For private loans, consider appealing, repaying, refinancing, or settlement.
Settle debt with Holloway Credit Solutions by responding to lawsuits promptly and negotiating a settlement. SoloSettle can help you start the process.
Congress Collection is legit. If contacted by the company, validate the debt, know your rights, respond to pending lawsuits, and consider settling out of court.
Respond to a credit card debt summons by drafting a concise Answer, denying claims, and listing defenses. File it with the court and attorney by the deadline.
Ad Astra Recovery Services, Inc. is a debt collection company that handles various types of consumer and medical debt.
Send a Debt Validation Letter to FirstPoint Collection Resources Inc. to verify debt and halt calls. Use SoloSuit to draft a personalized Debt Validation Letter.
Here are five ways to pay off credit card debt: debt consolidation, new payment plans, debt settlement, credit counseling, and snowball or avalanche methods.
Delta Outsource Group is a legit debt collection agency, but it operates under an alternate name: InDebted USA, Inc.
To settle debt with National Service Bureau, confirm its validity, especially for auto-related debts. Negotiate a lower amount or a payment plan to avoid legal issues.
To resolve debt with Eastern Revenue, confirm its validity, then pay fully, arrange a payment plan, or propose a lump sum settlement to avoid legal action.
AT&T's debt collection department may call you from 855-419-7365, and it can be stressful. Luckily, consumer laws prohibit unfair debt collection methods.
To resolve debt with Cascade Receivables, first confirm its validity. Then pay in full, negotiate a pay-for-delete, offer a lower settlement, or plan repayments.
When you represent yourself in court, it’s called appearing pro se, Latin for "for oneself."
Verify debt with Day Knight & Associates via a Debt Validation Letter. If confirmed, opt for full payment, settlement, or a payment plan.
Advantage Collection Professionals is a debt collection agency, and you can respond to it by requesting debt validation or filing an Answer to any legal action.
The average college student’s credit card debt is more than $3,200, and this doesn’t come from paying tuition
You don't need an attorney to respond to a Summons, but you have to respond with a written Answer or you run the risk of losing automatically.
UCHealth faces backlash for using debt collectors to sue over debts. SoloSuit assists in responding and settling before court.
To settle a debt with Tek-Collect Inc, respond to pending lawsuits, offer a settlement below your maximum payment ability, and get all agreements are in writing.
To negotiate with Knight Adjustment Bureau, stop paying creditors, save the payments, and offer a settlement for 60% of the debt value.
If Armada Corp has sued, you should respond to the lawsuit with an Answer document to improve your chances of winning. SoloSuit can help you do this.
Dealing with debt collectors can be a stressful experience. However, if you submit a dispute, collectors must stop contacting you until they’ve proven you owe a debt.
Debt relief programs help consumers manage overwhelming debt situations. These programs assist consumers in making a better plan for keeping up with their payments.
Collection Bureau of Hudson Valley is a legit debt collection agency, and you can negotiate with the company to resolve your debt through settlement.
SoloSettle can help you resolve debt with Allied Collection Services quickly and pay off your debt for less than what you currently owe.
A credit inquiry entry from Factual Data occurs when you want to refinance your mortgage or are looking to buy a new home.
Sued by a debt collector? 1. Answer lawsuit promptly. 2. Negotiate a settlement. 3. Pay as agreed.
(855) 267-7451 belongs to Personal Finance Company, a debt collection agency. You can stop their calls by sending them a Debt Validation Letter.
To dispute a debt collector: gather debt documents, check collections notice for errors, send a Debt Validation Letter, and await response.
Getting calls from 888-222-4227? It's likely Santander Consumer USA collecting auto debt. Use SoloSuit validate debt and stop collection calls.
The best way to represent yourself in court is to understand relevant laws and procedures, come prepared and organized, and be respectful and professional.
Arcadia Recovery Bureau is a legitimate debt collection agency, and it's best to respond promptly to their contacts for debt resolution with SoloSuit's help.
Are you being sued by a credit card company? Follow these steps: respond with an Answer, verify your debt, negotiate debt settlement, and fight in court.
Consolidation Plus, now Achieve, offers invite-only debt consolidation loans with mixed reviews, praised for simplifying debt but criticized for service issues.
Settle debt with Receivable Solutions by responding to any lawsuits, negotiating a lesser amount, and avoiding full payment and wage garnishment.
If you see the Merchants’ Credit Guide phone number pop up on your caller ID, it’s not a scam. You may owe a past debt that you’ll need to take care of.
According to US law, credit repair services cannot charge customers up front. If you're trying to improve your credit, beware of upfront credit repair fees.
CreditAssociates has good online reviews and is among the debt relief companies that really offers hope to consumers in handling their debt situation.
RFGI is a debt collection agency located in Illinois. If you've been contacted by RFGI, send them a Debt Validation Letter to confirm you owe the alleged debt.
ASG Recovers is a debt collection agency based out of New York.
Settle your debt with AmeriFinancial Solutions in three steps: responding to a lawsuit, verifying your debt, and negotiating a lower settlement.
Milestone credit card is with the Bank of Missouri, which has been operating for over a century. The bank is a legitimate financial institution serving a wide variety of consumers
Know your rights, request validation, pay off validated debts, respond to lawsuits, and consider debt settlement to resolve Equinox Collections debt.
Debt protection is a financial service that covers or cancels your loan payments under specific circumstances, such as unemployment or illness.
A new class action lawsuit targets Americollect and MEAS for FDCPA and ICFA violations in billing and debt collection.
1 (800) 236-4300 is a debt collector calling from Nelnet (formerly Great Lakes Educational Loans). Stop their calls by sending a Debt Validation Letter.
Yes, debt collectors can sue you for medical debt, but they must do it within your state's statute of limitations time period for the case to be valid.
To negotiate with Americollect, confirm your debt, plan repayment, choose phone or written negotiation, propose an offer, and get any agreement in writing.
210-520-0146 is a number used by Chase Card Services to collect debt. Send a Debt Validation Letter to Chase to stop calls from 210-520-0146.
Send a Debt Validation Letter to Fox Collection Center to force them to validate your debt. If they can't, they should remove it from your credit report.
Ace Cash Express is a legitimate financial service that offers short-term loan options that come with high interested rates.
Earn passive income through dividends, high-yield savings, rental properties, business funding, and online content creation. Keep reading to learn how.
To stop calls from 805-637-7243, stand up for your rights by sending a Debt Validation Letter.
Sequium Asset Solutions is facing a class action lawsuit for violating the FDCPA by failing to give clear communication on consumers' rights to dispute debts.
Resolve debt with Payliance Collections by understanding your rights, validating debts, and settling for less than owed with the help of SoloSuit.
Debt collectors from Transworld Systems Inc. use 1-888-899-6650 and other similar numbers to badger consumers into paying their debt.
To get help responding to a lawsuit, hire an attorney, use an online service like SoloSuit, see if you qualify for free legal aid, or talk to your court clerk.
If you’ve been contacted by Brown and Joseph about a debt, verify it before moving forward. If the debt is yours, use SoloSettle to negotiate a lower payment.
To avoid debt lawsuit scams: keep records of existing debts, research the collector, speak through your attorney, demand written correspondence, and question the collector’s credentials.
Medical Data Systems, Inc. is a company that collects medical debt, and you can resolve your debt with them through debt validation and debt settlement.
Respond to a lawsuit from a debt collector by drafting and filing an Answer into the case, verifying the debt, and negotiating a debt settlement.
Esurance makes it easy to apply for auto insurance, offers several coverage options, and has less than stellar reviews. These are just a few things you should know before signing up for Esurance auto insurance.
Credit Karma does not provide an actual FICO score but claims to be one of the top companies providing accurate scores.
Space Coast Credit Union has mixed reviews on its Better Business Bureau page and several complaints listed with the Consumer Financial Protection Bureau.
Works and Lentz is a debt collection law firm. If they sue, respond with a written Answer. Address each claim, assert your affirmative defenses, and file it.
InPhyNet Contracting Services is a debt collection agency that focuses on collecting medical debt. If InPhyNet has contacted you, make them validate the debt.
Sentry Credit is calling because you either owe a debt, or they think you owe a debt. It is your right to insist that they prove the debt is valid.
To settle your debt with ATG Credit, ask them to validate the debt, respond to any pending lawsuits, and use SoloSettle to negotiate a lower debt amount.
Debt collectors cannot lie to you. In fact, it is against the law for debt collectors to lie about who they, how much you owe, and more.
Assetcare on your credit report means you have an outstanding medical debt. Remove it through debt validation, pay-for-delete, or a goodwill deletion.
Consumer Protection & Affordability Agenda would regulate unfair business practices and loans, increase paid medical leave, combat medical debt, and reduce insulin co-pays.
If you don’t pay Acima, you risk hurting your credit, owing late fees, repossession and facing legal action. If you’ve been sued, SoloSuit can help you respond.
Assess your financial situation, explain your situation and make an offer, and ask for a settlement agreement in writing to settle with Commercial Acceptance.
Any debt accounts managed by Cooling & Winter will now be serviced by Lloyd & McDaniel who are willing to work with you to settle your debt.
Commonwealth Financial Systems is a debt collection agency specializing in medical debt; it got shut down by the CFPB for violating federal debt collector laws.
Join us for our weekly webinar on Wednesdays, live via YouTube. Come ask your questions about debt, and get some answers. See you there!
Apex Asset Management is a debt collection company that specializes in medical debt. If you’re being sued by Apex, act quickly to avoid a default judgment.
If you’ve been contacted by RMS, it’s because a company has contracted them to collect an unpaid debt or they purchased a debt from your original creditor.
Evergreen Professional Recoveries is a debt collection company, and if it’s contacting you, you probably have unresolved debt with one of its clients.
Today I'm going to show you an interview that I recently had with a real former debt collector named Bill. Bill used to work for Avante USA, Ltd Financial, which are three debt collection agencies based out of Houston, Texas. In our interview, he spills secrets and tactics that he used while working as a debt collector to get people to pay up.
I recently interviewed Bill, a former debt collector for major collection agencies like Avante USA, LTD Financial, and Maximum Recovery Solutions. In our interview, I asked Bill to share some ex-debt collector secrets like how to stop collection calls and the best way to approach debt settlement.
Una deuda en colección es una instancia en el proceso de cobro de deudas en la cual la gestión de la cobranza pasa del acreedor original a una agencia de cobros (Collection Agency), quien, asume entonces la responsabilidad de cobrar la deuda en nombre de la empresa original; o, a veces, la agencia compra la deuda y luego la cobra en su propio nombre.
Swift Funds Financial, also known as Swift Financial Services, is a debt collection agency that specializes in the collections of unpaid gym and fitness account balances and other fitness industry collection needs. So, if you have some sort of gym membership that goes without paying, you may be contacted by Swift Funds Financial.
Resolving debt with a collections agency like Carter Young Collections can be a challenging yet crucial task for maintaining financial health and creditworthiness. Here's a guide to help you effectively navigate this process. But first, let’s learn more about Carter-Young Collections.
Debt collection starts when a consumer defaults on a credit account. For example, if you miss your regular credit card payments, the creditor finds other ways to recover what you owe. You may start receiving phone calls and letters reminding you to pay. When all else fails, they may sue you.
Despite state and federal laws, there are still debt collectors in the industry with a reputation for using questionable methods to collect debts, many of which are downright violations of the law. Below is a guide on how to resolve debt with Puget Sound Collections. Even if they sue you, SoloSuit can help you get out of this situation by responding to the lawsuit and settling the debt before your court date. Keep reading to learn how to respond to Puget Sound Collections
If you're facing harassment from such a debt collector, remember that you're not powerless. Maryland and federal laws offer strong protections to shield you while you navigate the challenges of settling a delinquent account. These legal safeguards are there to ensure your peace of mind during this tough time. This article provides a comprehensive summary of debt collection laws in Maryland, including laws pertaining to the statute of limitations.
You’re having a relaxing day off when you suddenly get a call from an unfamiliar number. Out of curiosity, you answer the phone, only to find that it’s a call from a debt collector. According to the caller, you owe a substantial debt, but this is the first you’ve heard of it. You’re tight on cash as it is — how are you going to pay for this, too?
If you’ve just gotten a call from Alltran Financial, you probably have a lot of questions: Do I really owe money? Is this a scam? What should you do next? Having debt in collections is nerve-racking, so you’re probably in a hurry to fix the situation. But don’t rush into anything just yet — you might not owe what Alltran says you do. Here’s our guide.
Are you being chased by collectors from First Financial Asset Management? If so, your best option might be to negotiate a lower settlement amount. But before you do anything, you’ll need to take steps to assert your rights and verify that the debt is yours. Here’s how to resolve your debt quickly and painlessly.
It can be tough to distinguish between legitimate phone calls and scammers. But Diversified Adjustment is a legitimate debt collection company and one you shouldn’t ignore. If you’ve been contacted by Diversified Adjustment Service, it’s because they believe you have an unresolved debt with another party. Here’s how to verify that the debt is yours and resolve your debt quickly.
Getting a call, text, or letter from a debt collector is never a good thing. People tend to deal with debt collector communications in one of two ways — they either panic and pay whatever the company says they owe, or they ignore the problem while it snowballs. Neither of these is a wise course of action! When you know your legal rights, you might be able to pay less than the company says (or even dismiss the debt entirely). Here’s what you need to know.
It’s like a twisted game show: Is this debt collection phone call a scam, or am I being contacted by a legitimate company? Unfortunately, it’s not a game. If you’ve been contacted by Source Receivables Management, you’ll need to act fast. Here’s what you need to know about this company and how to resolve your debt.
Debt collection laws in the Hawkeye State are intended to help protect consumers from inappropriate and harassing debt collection efforts. There are a number of state and federal laws that address how debt collectors can interact with consumers, namely The Iowa Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act (FDCPA). Let’s take a closer look at these Iowa debt collection laws and how they can protect you from unscrupulous debt collectors.
Have you been ducking phone calls from Faber and Brand? That’s not the best strategy. Faber and Brand is a law firm that handles debt collection, among other things. If you ignore them, you could soon face a lawsuit — if you haven’t been sued already. It’s time to stop running and face your debt head-on. Here’s how to resolve your debt quickly and permanently.
Learn how to resolve debt with them by knowing your consumer rights and using various documents to stop their calls or win your debt collection lawsuit. Dealing with health issues is stressful enough, and medical debt only exacerbates the issue. The constant reminders from Marcam Associates debt collectors can be enough to drive you crazy. You may be asking yourself if it is a legitimate company.
We’ve all heard stories about debt collector calls that end up being scams. And unfortunately, it can be hard to tell the difference between a scam collection call and the real thing. If you’ve been getting calls from Dynamic Collectors Inc., you’re talking to a legitimate company. But are the debts they’re asking you to pay legitimate? Here’s what to do about a debt you allegedly owe to Dynamic Collectors.
If you’ve ever gotten a call from a debt collector, you know exactly how stressful it can be! And if BCA Financial Services has recently started bothering you about a debt, you probably want to get the issue resolved as soon as you can. You might not know that there are more ways to resolve a debt than paying it in full. Here’s how to deal with the debt that BCA Financial Services claims that you owe.
Suffering through numerous phone calls that seem to occur at all times of the day and night, receiving threatening letters in the mail, and other forms of intimidation and harassment by an unethical debt collector is generally considered to be awful by most people, including residents of North Carolina. If you find yourself being pursued by such a debt collection agent or agency, there are legal protections under both North Carolina law and federal law designed to protect you while engaging with a debt collector about a delinquent account.
If you had healthcare costs not covered by insurance, you could find yourself facing medical debt collectors like H&R Accounts Inc. You may have already been contacted by the company under the name Avadyne Health (which is the name used on the company website). But regardless of the name, your primary goal should be to respond quickly to the threat of a lawsuit and resolve your debt for a lower amount.
It started with a few phone calls from someone claiming to represent Grant and Weber. But now you’re being sued for unpaid debt. What do you do? Don’t panic. Resolving your debt is easier than you think. In this guide, you’ll learn how to respond to a lawsuit and negotiate a lower settlement.
Suffering through numerous phone calls that seem to occur at all times of the day and night, receiving threatening letters in the mail, and other forms of intimidation and harassment by an unethical debt collector is generally considered to be awful by most people, including residents of the Granite State.
In America, numerous companies offer auto loans to consumers. Unfortunately, a good number are scammers or have poor reputations for how they treat their customers. To achieve your dream of owning the right car to meet your needs, you must look for a reliable lender offering credible loan services.
Primero, lo primero. ¿Qué debe entenderse por “deuda”? Una deuda es una obligación legal de pagar o devolver una cosa (generalmente dinero) en un determinado plazo de tiempo, a otra persona o empresa. Hay muchos tipos de deudas: dinerarias, en especie, garantizada o no garantizada, con fecha de vencimiento fija o recurrente, etc.
Dealing with an overly aggressive debt collector can be a difficult and stressful experience. Having financial problems is challenging enough on its own. Adding countless phone calls and threatening letters from a debt collector only serves to make the situation worse. If you are living in New Jersey and can’t seem to get debt collectors off your back, you can find solace in knowing you have legal rights and protections under both state and federal law.
Calls from debt collectors always seem to come at the worst times. And if you’re already facing financial hardship, it might seem that you’ll never be able to get out of debt. Some people see all that stress and then try to run from it. But if you do that, the debt doesn’t go away. It can grow and impact your present and future financial health. If you’ve been getting calls from SRS Company, you shouldn’t ignore them. You also shouldn’t pay the debt right away. Here’s SoloSuit’s guide.
You thought that old medical bill was paid for — until you were contacted by Synerprise Consulting. The company claims to be seeking to collect on your past medical debt. It may even threaten a lawsuit. Before you do anything, it’s important to verify that you owe this debt, then take steps to resolve your debt quickly.
Being subjected to countless phone calls, threatening letters, and other forms of intimidation by an unscrupulous debt collector is a nerve wracking and generally unpleasant experience for most people, including residents of Kansas. If you find yourself being pursued by a debt collection agent or agency, there are legal provisions under both state and federal law designed to protect you while engaging with a debt collector about a delinquent account.
Not many people know debt collection companies by name — until they’ve dealt with one directly, anyway. If you’ve been getting calls or letters from a company called Berlin-Wheeler, you have the distinct displeasure of dealing with one of the most established collection agencies. Do you need to find your peace again and get Berlin-Wheeler to leave you alone? Here’s the SoloSuit guide.
Student loans are challenging enough as it is. So when you received a notification from Trellis Company, it naturally made you long for the days when midterms were your biggest worry. Thankfully, you can act quickly to resolve your debt with Trellis Company while avoiding a legal battle or further damage to your credit.
If you find yourself being pursued by such a debt collection agent or agency, there are legal protections under both Minnesota law and federal law designed to protect you while engaging with a debt collector about a delinquent account.
Honda has been manufacturing motorcycles and other vehicles since 1949. Over the years, it has earned a reputation for building durable and efficient cars. It is no wonder that many Americans are thrilled to own a Honda. If you want to lease or finance a Honda or Acura vehicle, using Honda Financial Services, also known as American Honda Financial Corporation (AHFC), may make the most sense.
Buying a home is a big financial decision that requires you to find the best mortgage lender with favorable terms. Many consumers have been scammed and lost thousands of dollars because of unclear or expensive loan terms. To avoid this outcome, you must compare mortgage rates and various loan features such as:
You might consider ACE Cash Express if you need a short-term personal loan. Compared with payday loans, which are short-term loans, you can access money quickly but with longer repayment terms. Borrowers may apply for payday loans, installment loans, auto title loans, and cash advances. But before applying for an Ace Cash Express loan, find out more about the company. Find out what types of loans are available, including their interest rates.
Maybe you’ve just gotten a letter from MCA Management Company. Or maybe you’ve seen this company’s name pop up on your credit report. Either way, you know you want to resolve the situation right now. But wait! Don’t rush to pay the debt. You have the legal right to make a debt collector prove you owe money before you pay anything. In some cases, you might not have to pay anything at all. Here’s how to deal with MCA Management Company.
In today's fast-paced world, indulging in luxury experiences like wine tourism is a dream for many. However, balancing these desires with financial responsibilities, especially when dealing with debt, can be challenging. In my recent interview with Andy Abramson, avid and experienced world traveler and CEO of several companies, including wineTOURia, we explored ways to enjoy luxury adventures while also juggling debt or trying to be financially conscious.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. The following is a transcript for one of our webinars. In it, SoloSuit's founder George Simons responds to live questions from consumers.
Few things are as nerve-racking as being contacted by a debt collector. So, if you’ve been contacted by AAA Collections, you’ll want to work quickly to reach a settlement and resolve your debt once and for all. Here’s how to respond to AAA Collections. If you’ve received a Court Summons for a debt collection lawsuit, watch this video to learn how to respond:
If you’re treading water financially, a debt collection phone call can feel like someone just tossed you an anchor. But there’s an easy way to resolve debt with ConServe Debt Collection without finding yourself in court. The following steps can help you avoid a lawsuit and settle your debt for a mere fraction of what you owe.
Personal loans are famous for their considerably low-interest rates. Comparing every available option is crucial when considering a loan. One option for Californians is the Golden 1 Credit Union personal loan.
Some debt collectors operate with a very specific strategy. If you’ve been contacted by Valley Servicing, it may be asking to withhold a percentage of your wages to pay off a previous loan. The good news is that no one can withhold your wages without your permission or without a lawsuit. But if you have unresolved debt, your best option is to resolve it as quickly as possible. SoloSuit can help.
How long can you keep dodging debt collectors? If you’ve been contacted by Southern Management Systems (SMS), you’ll need a strategy that lets you resolve your debt once and for all. The following guide can help you respond to a debt collection lawsuit and settle your debt for a fraction of the original amount.
Synergetic Communication — also known as SynCom — is a full-service debt collection agency licensed to collect debt across the United States and Puerto Rico. If you’ve received a Synergetic Communication Inc. letter, email, or phone call, it’s because the company is attempting to collect on an unpaid debt. But if you take the following steps, you can resolve this debt and start moving on.
Personal loans can help consumers meet urgent financial needs, but as the number of lenders has skyrocketed, it is becoming harder for consumers to identify legitimate loan offers. ModoLoan connects consumers to real lenders and helps people get approved for loans, typically ranging from $250 to $3000, in minutes.
Even with insurance, healthcare costs can be debilitating. And if you get behind in your bills, you might start getting calls from RTR Financial Services. Don’t panic. There’s actually a simple way to resolve your debt without facing a lawsuit. Here’s how to respond to RTR Financial Services and move on with your life.
Debt collection phone calls from companies like Superlative RM can be annoying — but don’t ignore them. Even if you don’t believe the debt is legitimate, the collector sure does. If you don’t act, you could soon face a debt collection lawsuit. Here’s how to verify that your debt is yours, then resolve your debt quickly.
The Wisconsin State Legislature has enacted laws and regulations to keep Wisconsin debt collectors in check. This article explains these laws and how they apply at each stage of the collections process so you can know if a collector is acting illegally.
Does a person’s debt die when they do? The answer is often yes, but there are some gray areas. Unfortunately, debt collection agencies like AscensionPoint Recovery Services capitalize on that confusion to try to make people pay the debts of deceased loved ones. Here’s what to do if you’ve been contacted by AscensionPoint.
No matter how many times you deal with a debt collector, the process never gets easier. If you’ve recently been contacted by Global Trust Management, you might think you need to rush to pay back your debt. But when you know your rights, you can protect your financial well-being and avoid paying more money than you need to. Here’s what you need to know.
In recent years, BMG Money Loan has gained a reputation for providing payroll loans to help individuals pay for unexpected expenses. They emphasize that repayment is easy via deductions from salaries or pensions to make borrowing seem irresistible. If you’re considering a BMG loan, it’s best to investigate the long-term implications of first. In this article, we’ll cover everything you need to know about BMG Money Loan so you can make an informed decision.
Genesis Financial Solutions Card Services, Inc. —the servicers of Milestone ® Mastercard—market it as a second chance for 'non-prime' consumers to rebuild their credit. In other words, the credit card is supposed to offer a stepping stone for the following sets of people to build or rebuild their credit:
Traveling the world is a dream for many, but the fear of racking up debt can often dampen the adventurous spirit. And in many cases, the desire to explore the world can clash with the practical need to manage expenses and avoid debt. I recently had a chat with Andy Abramson, CEO of Comunicano and experienced world traveler, about how more accessibility to remote work has led to an increase in travel.
Debt collectors can be a real pain, especially if you don’t know who they are and they continue to call you and send you letters. You may fend off calls at your workplace (which is embarrassing) or get texts from the collection agency urging you to pay a bill. If Summit Account Resolution has an account with your name, you probably want them to lose your number. That’s entirely possible, but you must take a few steps to make it happen.
When you get a call from Benuck and Rainey Inc. (or any debt collector), it’s easy to jump into panic mode, thinking the only way to relieve the stress is to pay the debt immediately. But you might not realize that you have other options — and some of them might mean you have to pay nothing at all. Here’s our guide to resolving your debt with Benuck and Rainey.
It’s gotten so bad that you cringe each time you feel the phone vibrate in your pocket. Checking the caller ID, you see that, once again, you’re getting a call from 502-267-7522 — a representative from G. L. A. Collection Company. Here’s how to respond to these calls and get on with your life.
You’d never heard of A.R.M. Solutions until you started getting calls about unpaid debt. Now, debt collectors are threatening you with a lawsuit if you don’t pay up. How do you know you’re not being scammed? This guide will help you verify the source of your debt, then devise a plan to settle your debt for a reduced amount.
Texas debt collection laws have been implemented to control the debt collection process and ensure creditors do not abuse consumers or use deceptive practices. When consumers ignore a creditor's attempt to collect their money, they resort to unlawful ways to increase their chances of making payments.
It’s not unusual to receive scam phone calls or junk mail. But just the name “Perdue Brandon Fielder Collins & Mott, LLP” conveys authority. Perdue Brandon is likely pursuing you for a delinquent bill, and if you’ve been contacted, you need to act quickly to resolve your debt and avoid a lawsuit. Here’s how.
Medical debt can be complex, as it involves you, your healthcare provider, and your insurance company. Left unpaid, it can also involve calls from organizations like CKMS. If you’ve received phone calls from Central Kentucky Management Services (CKMS), don’t ignore them. Instead, use the following guide to resolve your debt.
Chances are you’d never heard of Kinum, Inc. until you received a notification about your debt. But before long, Kinum representatives began calling you every day. Now, you may even be facing a debt collection lawsuit. Stay calm. Resolving your debt is easier than you might realize. Just use the following guide to respond to a lawsuit and negotiate a lower settlement amount.
Medical bills can be complex. If you’ve been contacted by the Rawlings Company, it’s likely that it is attempting to collect on a bill after partnering with your insurance or healthcare provider. Your first goal should be to determine whether the debt is legitimate. From there, you can take steps to resolve your debt.
“Why is Alltran Financial calling me?” This question might be familia if Alltran is calling you for the umpteenth time, and at this point, you might feel like you’d do anything to make the calls stop. This situation is all too common among consumers with outstanding debt with Alltran Financial.
Life happens. When it does, you may need to send a financial hardship letter to your creditors to request an adjustment to your monthly bill or payment schedule. Otherwise, late or missed payments could result in additional fees, penalties, and a reduction in your credit score. But how do you demonstrate financial hardship?
According to recent data, nearly 78% of America’s workforce is living paycheck to paycheck. That’s fine when your bills and expenses fit into your budget, but an unexpected setback like a car repair can prevent you from paying your monthly debts. When that happens, you can use a hardship letter to ask lenders for time to get caught up.
Debt is generally divided into two categories: consumer debt and non-consumer debt. Understanding the difference can impact a bankruptcy case. By learning more about consumer debt, you’ll be better equipped to understand how your debts impact your overall financial situation.
Debt collectors and creditors don’t expect you to contest the claims of a debt lawsuit. In fact, they hope that you don’t — because if you fail to respond, they can request a default judgment in their favor.
Hay pocas cosas más estresantes y perturbadoras que recibir una carta con las palabras “recargo” “interés moratorio”, “demanda” o “acciones legales”, o recibir las llamadas inoportunas e intimidatorias de una agencia de cobranzas. Todos hemos estado allí o, al menos, tenemos un familiar o amigo que pasó por esa experiencia. Sin embargo, no hay motivo para perder la calma.
Dealing with debt collection agencies is never pleasant. Annoying phone calls and threatening letters can take their toll on even the most unflappable people, resulting in unnecessary stress and anxiety. Fortunately, you can take action to halt debt collection activities and get back to normalcy. If RSI Enterprises is the instigator of your debt collection letters, you’ll want to understand the company’s process and the rights available to you before you take action.
Debt consolidation has saved thousands of debtors from drowning in debt and filing for bankruptcy. In your search for a debt consolidation company, you may have encountered Americor. It is a recent addition to the many debt relief companies that help consumers pay off their debts without accruing excessive late fees and interest rates.
With countless banks available to serve you, it can be both exciting and confusing to know the best bank to open an account. In addition, you would also want a bank that can give you a loan at a reasonable interest rate and a credit card with fair terms. BMO bank has won favor with numerous consumers across North America because of its large ATM network, low fees, and diverse loan offers.
Has Merchants Credit Associations (MCA) harassed you by calling your cell phone, family, or friends? For one, the Merchants Credit Association is a third-party debt collector, which means they collect debts on behalf of other companies. Some consumers are scared of Merchants Credit Association and will lose sleep, suffer medical ailments from stress, and still have to prove the alleged debts.
Buying a home is considered an important milestone as you navigate through life. Before you start paying your mortgage, you must go through the application and approval process, which can be challenging. You must also use a competent mortgage company with a loan program to meet your needs. Caliber Home Loans is a mortgage company consumers use to finance their homes.
“That's it! I must stop these calls.” Is this statement familiar to you? You may have said it because of the countless calls Rocket Receivables debt collectors have made to your personal and home phone number. Like all collection agencies, Rocket Receivables hopes to annoy and stress you with the many calls until you find a way of paying the debt.
Many consumers who require cash quickly turn to payday loans to meet immediate needs. These are short-term, high-interest loans due on the consumer's next payday. In recent years, online payday loans have been on the rise in America. One of these companies is Speedy Cash. However, payday loans are expensive, so you'll want to carefully consider the information below before deciding to go this route for quick cash.
It’s a beautiful day. Birds are singing, the weather is warm, and you have a beach afternoon planned, complete with a lounge chair and a new paperback to read. You stop by your mailbox, expecting your most recent Amazon order, and find… a debt collection notice from Executive Credit Management (cue the horror movie music). Receiving a debt collection notice is enough to ruin anyone’s day. Fortunately, it’s possible to resolve the problem by following a few simple steps.
When Mississippi residents are being subjected to harassment, intimidation and even threats by unethical and aggressive debt collectors, there are two federal laws providing statutory protections and rights to those residents: the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Mississippians who feel they’re being subjected to such improper and unfair behavior by a debt collector can take advantage of these federal laws to pursue relief.
An unpaid medical debt often ends up in the hands of a debt collector like PCB Collections Agency. These debt collectors will send you letters and call you, trying to get the money you owe. Sometimes, they’ll take you to court. In this article, we’ll explain who PCB Collections Agency is and what you can do to resolve your debt.
Avoiding debt repayment is understandable. Life happens, and when debt becomes unmanageable, it is certainly tempting to wish it all away. But ignoring the problem won't change anything. In fact, failure to respond can lead to serious consequences like wage garnishment.
Has debt got you down? If you’re one of the millions of Americans with a mortgage, credit card debt, student loan, or auto loan, you likely have some thoughts about your obligations — and those thoughts are probably not positive. In fact, being in debt can impact your mental well-being and even your physical health.
Whether you’re buying your first home or moving from one house to another, you can expect to spend some money. Aside from a down payment, you’ll probably be responsible for closing costs. Closing costs can deplete your savings when you need them the most, so it’s crucial to estimate what you’ll owe and plan accordingly.
As a payday loan company with over 25 years of experience, Advance America has done well enough to stay in business. However, despite years of experience, Advance America charges very high-interest rates and fees, so it’s best to only borrow from them as a last resort. Plus, Advance America’s rates and fees are not transparent, and its collections practices are questionable as well.
Dealing with pushy and unfair debt collectors is really stressful. Getting endless calls, scary letters, and other wrong collection tactics can be really frustrating and upsetting. Talking to a debt collector might feel scary, but remember, you have specific legal rights. Pennsylvania debt collection laws, and other federal laws like the Fair Debt Collection Practices Act, are there to protect you.
Diane used the SoloSuit premium package, which meant that an attorney reviewed her documents before filing and a SoloSuit legal support specialist filed her answer document for her. Here's Diane's story.
South Dakota's Fair Debt Collection Practices Act and other consumer protection laws allow you to stop debt collector harassment. These laws also prevent creditors and debt collectors from contacting your employer, neighbors, and family. Moreover, you may impose monetary damages on debt collectors if harmed by unfair debt collection procedures in South Dakota.
If you live in Michigan and have debt collectors calling, emailing, or sending letters about an alleged debt, take solace in knowing you have legal rights and protections under both state and federal law, namely MI Comp L § 445 and the Fair Debt Collection Practices Act. Below, we break down these debt collection laws and how they apply to Michigan residents.
If Stillman Law Office (SLO) has called you about a debt, you may be wondering if this company is legitimate because of the illegal and unprofessional way they treat you. For instance, you may have told them to stop calling, but they ignore your request.
Consumers struggling with debt would appreciate an understanding debt collector. Unfortunately, that isn’t always the case. Many debt collectors resort to harassment and other illegal methods to scare consumers into paying debt. Federal and state governments have established laws and regulations to protect you. Understanding these laws can prepare you for debt collection lawsuits and subsequent judgments.
Are you feeling a little stressed about a debt that Eagle Accounts Group, Inc. says you owe? You’ll likely want a few tips on handling the matter without destroying your credit or ending up with a debt lawsuit. While collection agencies aren’t known for being the friendliest organizations, they usually aren’t out to get you. They won’t break your legs or show up in a dark alley, hounding you for money. However, they will send you letters and call you, which can be annoying, especially if you don’t know who they are or have the money to pay them.
Are you considering using OppLoans to access quick funding? If so, OppLoans is a legitimate online platform that offers installment loans for consumers with a relatively poor credit score. They do not perform a hard credit check, but you must meet the following requirements.
Enduring constant phone calls at all hours and receiving menacing letters can be overwhelming, especially when they come from an unscrupulous debt collector. Most people, including those from the Sooner State, find this experience deeply distressing. However, if you're facing this, don't lose hope. Both state and federal laws offer legal safeguards and mandates to support you when dealing with debt collectors. This article provides a comprehensive overview of debt collection laws in Oklahoma, including laws pertaining to the statute of limitations.
Are Rash Curtis and Associates’ phone calls and letters making it hard to get through your day without unnecessary stress? If so, that’s completely understandable. Debt collectors can be a real nuisance, and they’re not exactly known for their compassionate bedside manner. Resolving a debt begins with effective communication and understanding your rights under the Fair Debt Collection Practices Act (FDCPA). In this article, we’ll discuss how to handle the matter and get back to normal.
Let's face it: college costs lots of money, and not every family can afford to sponsor their child's education. This is why most students graduate with some amount of debt. Thankfully, there are ways to reduce that load quickly and effectively, from budgeting to loan consolidation, and the sooner you develop a plan to manage your own student debt, the better off you'll be.
Understanding how to effectively deal with collections agencies can feel like deciphering a foreign language, leading to stress and confusion. Among these agencies, Diversified Recovery Bureau stands out. If you find yourself trying to settle an outstanding debt with them, it's paramount to approach the situation with knowledge and strategy.
Experiencing numerous phone calls, menacing letters, and various intimidation tactics from an overzealous debt collector can be distressing. However, if you're facing harassment from a debt collection agent in Nebraska, rest assured. Both state and federal laws are in place to safeguard you during interactions with debt collectors.
En este artículo te brindamos una guía general sobre cómo responder a una demanda civil por deuda, pero si sientes que este problema supera tus capacidades y quisieras obtener ayuda, SoloSuit tu puede ayudar.
According to a recent U.S. Census Bureau survey, nearly 20% of households carry medical debt. The median amount of debt was $2,000 — a significant chunk that can easily take a bite out of a consumer’s monthly cash flow. If you don’t make arrangements to pay a medical bill, the debt may end up with a collection agency like Oliver Adjustment Company.
Trust fund management is a critical aspect of legal practice, where attorneys must safeguard and manage client funds with the utmost care and precision. In the past, this process was often riddled with manual errors and time-consuming efforts. However, with the advent of billing software, trust fund management has significantly transformed, offering simplicity and efficiency to lawyers and law firms.
You’re likely familiar with MARS Inc., the candy conglomerate responsible for tasty treats like Snickers and Skittles. Its products line the checkout aisles of every grocery and convenience store across America, tempting consumers to buy them for a quick sugar rush. However, you probably don’t know who MARS Inc. Collections is, and you likely weren’t expecting a letter or phone call from this debt collector. We’ll discuss a few techniques to get you out of the debt doghouse with MARS.
Getting many phone calls, scary letters, and other threats from a debt collector can be very stressful and upsetting for many people, including those living in Missouri. If a debt collector is chasing you, there are laws in place to keep you safe when talking to them about a late payment. This article provides a comprehensive overview of debt collection laws in Missouri, including laws pertaining to the statute of limitations.
If Grant Mercantile Agency sends you a collection letter, you’ll want to verify the letter is legit and confirm you owe the money before sending any cash. In this article, we’ll discuss the steps you need to take.
New York residents being hounded by debt collectors can seek refuge in an array of state and federal laws intended to protect consumers from being subjected to unfair, abusive, and deceptive debt collection practices.
Apart from the strict regulation on debt collection communications, Wyoming has other laws that protect consumers at various stages of the collection process. In this article, we’ll break down these laws in detail and explain steps to take against a debt collector who violates your rights.
Being in debt isn’t something to be ashamed of. Millions of people have outstanding credit cards and medical obligations they can’t afford to pay, and many of those debts end up with a collection agency like Mid-South Adjustment. After a collection agency obtains the right to collect your debt, it usually sends you letters.
Being hounded by an unscrupulous debt collector is oftentimes a stressful, anxiety-inducing experience. If you are being pursued by such a debt collector and reside in the Bluegrass State, do not give up hope. There are federal legal protections in place designed to assist you when engaging with a debt collector about a delinquent account.
Have you ever heard of FirstPoint Collection Resources? Chances are that if you’re reading this article, you’ve received a collections notice from them. You might wonder whether this is a legitimate debt collection agency and how you should handle the letter. Don’t worry — SoloSuit explains what FirstPoint Collection Resources is and how you should respond.
Disclosing your income is more than just stating a number; it's about understanding what counts and what doesn't and how to ensure your application paints an accurate picture of your financial standing. With countless myths and misconceptions surrounding this topic, this guide aims to demystify the process.
If you’ve recently received a debt collection notice from The Stark Agency, you’re likely wondering whether you should pay it or ignore it. Unfortunately, most debts don’t disappear into thin air, so you’ll likely need to address the matter. Otherwise, The Stark Agency will probably escalate its collection efforts.
Feeling a little concerned about a debt collection notice you received from Meade & Associates? If you are, that’s completely understandable. No one likes dealing with collection agencies, especially ones that call you frequently and send threatening letters. If Meade & Associates is on your back about an old debt, you can take action.
Are you feeling the heat from a debt collection notice from Kenneth Eisen and Associates? If so, you’re not alone. According to Urban Institute, over 70 million Americans have debts in collections. That’s pretty astounding and signals that many people face financial problems every day. Receiving a collections notice from a debt collector is never fun, but there are steps you can take to resolve the issue and move on from it. In this article, we’ll specifically address debts held by Kenneth Eisen and Associates.
If you’re one of the millions of Americans with a debt in collections, you probably feel a sense of dread when you receive a notice from a collector you don’t recognize. Collections agencies frequently purchase outstanding obligations from the companies they service and then attempt to collect payments from consumers.
In the hustle and bustle of life, we often miss how closely our financial health is tied to how we feel. Research reflected in personal finance statistics shows that 19% of people have placed paying off their debts as a top priority for the year 2023. This is even more important than their other hopes and plans, showing how urgent this matter is. And in these numbers, we can see a strong story deeply connected to many people's lives.
Tax season can often be a period of tension and anticipation for many, with taxpayers eagerly awaiting their refund or grappling with the details of the returns they must file. But sometimes, errors or omissions occur in the initial filing, requiring taxpayers to file an amended return. Once that's done, a new question looms large: "Where's my amended tax return?”
Dealing with a collections agency like FCO Collections and Outsourcing can be overwhelming, especially if you're unfamiliar with the debt collections process. Whether the debt is related to medical bills, utilities, or any other financial obligation, the important thing is not to panic. You have rights, options, and a number of strategies to resolve the issue. In this article, we’ll break down the steps you should take to resolve your debt with FCO Collections and Outsourcing, but first, what is this company?
Dealing with debt is never an easy experience. And if you've received a summons for a debt collection lawsuit, it's natural to feel overwhelmed. Ignoring it, however, is the worst thing you can do, as it may result in a default judgment against you, impacting your credit score and leading to wage garnishment or property seizure. This blog post aims to guide you through the process of responding to a debt Summons effectively.
If you've decided that you no longer need your American Eagle credit card, whether because you want to simplify your finances, cut down on high-interest payments, or any other reason, you're probably wondering how to go about canceling it. Canceling a credit card can seem like a daunting task, but it doesn't have to be. In this blog post, we'll guide you through the step-by-step process to cancel your American Eagle credit card with ease.
Dealing with debt can be a nerve-wracking experience, especially when a collection agency gets involved. One such company you might have to deal with is Automated Collection Services, Inc. (ACSI-DM1). This post aims to guide you through the process of resolving a debt with ACSI, offering some tips for negotiation and outlining your rights under federal law.
In an era where securing personal loans is increasingly common, but not always straightforward, navigating through lenders and their offerings is crucial. One lender you may have come across in your search is Bright Lending. But what should you be aware of before diving in to a Bright Lending loan? This article breaks down three important aspects to consider before using Bright Lending’s services.
Ah, real estate! That magical land where homes, apartments, and far-off vacation cottages gleam with the promise of passive income. Who hasn't daydreamed about sipping a piña colada on a beach somewhere while rental checks roll in? It sounds tempting, right? But as with anything that seems too good to be true, there’s always a catch. Or, in this case, several.
Every business owner knows that saving money is a big deal. That's especially true if you're operating in a vibrant, busy city like San Diego, where every penny counts for local entrepreneurs. But did you know there's a secret weapon that can help? It's a CPA. Sure, they're great with numbers, but they can do so much more. In this blog, we'll dive into effective ways a CPA can help keep more money in your pocket. So let's get started!
Being served with a collection lawsuit can be an intimidating and stressful experience. While your first instinct might be to ignore it, doing so could lead to even worse financial repercussions, including default judgments that might garnish your wages or seize your assets. However, there are some practical steps you can take to handle this situation effectively. Below, we outline three key steps to resolve your collection lawsuit.
Identity theft is a growing concern in today's digital age. When someone unlawfully obtains and uses your personal information for fraudulent purposes, the emotional and financial fallout can be significant. If you ever find yourself in the unfortunate position of having your identity stolen, it's essential to take immediate, decisive action. Below, we’ll cover 10 steps you can take to respond to the theft of your identity.
Identity theft, a crime that once felt far removed from most individuals, has become an increasingly common concern in the digital age. It can have devastating consequences, ranging from financial loss to significant personal distress. By understanding the most common avenues through which identity theft can occur, you stand a better chance of safeguarding your personal information. Here are five ways thieves can steal your identity.
Managing finances can be challenging, and sometimes you may find yourself in a situation where you owe money to a collections agency. If ACEI Collections has contacted you about an outstanding debt, you're probably wondering about the best way to navigate this situation. Rest assured, there are steps you can take to manage and potentially resolve this debt. This guide will walk you through the process.
Golden 1 Credit Union, one of the largest credit unions in California, like many financial institutions, has a legal department that pursues claims and lawsuits against those who owe the organization money or have breached some contract. If you find yourself on the receiving end of such a lawsuit, it can be an incredibly stressful experience. However, understanding the process and knowing how to respond can be your best defense.
Got a call from Impact Receivables Management and thought it was your chance to become an actor because "you owe a debt to society?" Well, not quite, but you might owe them some cash. Debt can feel like that annoying piece of spinach stuck between your teeth after a meal; you can't ignore it forever.
In the world of finance, the vast array of borrowing options can sometimes leave consumers confused. One of the lesser-known options available to borrowers is the flex loan. This type of loan offers a unique combination of benefits, designed to give consumers more flexibility compared to traditional loans. But what exactly is a flex loan, and how does it work? Let's delve into the specifics.
Debt collection can be a daunting experience for many, especially if you're unfamiliar with the process. If Falls Collection Service (or a similar debt collection agency) has reached out to you, it’s important to take action. In this article, we’ll explain how you can resolve a debt with Falls Collection Service, whether it after initial contact, in response to a debt lawsuit, or settling before your court date.
If you've received a notice from the Gulf Coast Collection Bureau (GCCB) or any other collection agency, it might seem daunting at first. Many questions can arise: Why am I receiving this? How do I handle it? Can I negotiate the debt? This article will help guide you through the process of resolving a debt with GCCB.
Debt collection is never a pleasant experience. Yet, if you've received a notice from Lockhart Collection Agency or any other debt collection agency, it's essential to address the situation promptly and professionally. Keep reading to learn how to resolve your debt.
Identity theft can be a deeply distressing experience. Beyond the emotional trauma of having one's personal information misused, the legal repercussions can be daunting. Getting sued due for debt that was incurred by someone who stole your identity can seem like adding insult to injury. Here are five steps to take if you're being sued due to identity theft.
Finding yourself burdened with overwhelming debt can be a daunting experience, especially when juggling obligations such as medical bills, credit card debt, or other financial responsibilities. Fortunately, debt relief services in California offer a lifeline to individuals and businesses seeking a way out of their financial predicaments. Among these services, one name stands out – CuraDebt.
Dealing with outstanding debts can be a stressful and overwhelming process. If you've received a letter or a call from Revenue Enterprises LLC, it means they are trying to collect a debt on behalf of a creditor. Resolving this debt doesn't have to be a nightmare. By understanding the process and taking proactive steps, you can navigate through it with clarity and confidence.
Dealing with significant debt can be challenging, whether it's from credit card bills, student loans, or bad credit personal loans. If you're looking for ways to simplify your financial situation, there are strategies available that can assist you. One such strategy is debt consolidation.
Financial stability is essential for maintaining a healthy and stress-free life. However, unexpected financial setbacks or debts can sometimes lead to wage garnishment, a process in which a portion of your earnings is withheld to repay creditors. Wage garnishment can be a distressing experience, impacting your financial stability and peace of mind. Fortunately, there are steps you can take to prevent wage garnishment and manage your debt effectively.
JP Receivables Management Partners (JP RMP), previously known as JP Recovery Services, is a well-known debt collection agency often enlisted to help recover outstanding medical debts. If you're a consumer facing this challenge, it's important to understand that resolving debt with JP RMP Services can be a manageable process with the right approach.
As the business landscape continues to evolve, understanding the trends in business loans can guide companies in making informed financial decisions tailored to their unique needs.
Understanding your credit score and the factors that influence it can be complex and overwhelming. This is where myFICO comes into play – a powerful tool that empowers individuals to take control of their credit health. In this blog post, we'll delve into what myFICO is, how it works, and why it's a valuable resource for anyone aiming to achieve financial stability.
Taking control of your financial destiny begins with managing your credit card debt responsibly. Whether you're aiming to eliminate debt, improve your credit score, or simply gain peace of mind, paying off your Destiny credit card is a crucial step in the right direction. Keep reading to learn some effective strategies to manage and ultimately pay off your Destiny credit card.
In the world of consumer protection and financial well-being, the Federal Trade Commission (FTC) plays a vital role in safeguarding individuals from deceptive practices. One of the areas the FTC focuses on is debt settlement, a process that can help individuals manage their debts more effectively. To ensure fairness and transparency in this industry, the FTC enforces regulations through the Telemarketing Sales Rule (TSR).
In the world of real estate and homeownership, acronyms are a common occurrence. Among these, "HAFA" is one that carries significant weight, particularly for those navigating the complex landscape of distressed properties and short sales. If you're wondering what HAFA stands for and how it can impact your real estate journey, you've come to the right place. In this article, we'll break down the meaning of HAFA and its implications for homeowners and potential buyers.
Dealing with financial challenges, especially when it comes to auto loans, can be overwhelming. If you find yourself in a situation where you're struggling to make payments to Westlake Financial, you might wonder if negotiation is an option. In this blog post, we'll delve into the topic of negotiating with Westlake Financial, discussing the potential benefits, steps to take, and important considerations.
Your credit score plays a crucial role in determining your financial health and eligibility for various lending opportunities. But have you ever wondered who created the credit score and how it became such an integral part of our society? In this blog post, we'll delve into the fascinating history of the credit score, tracing its origins, evolution, and significance.
In the realm of contemporary finance, where technological advancements are reshaping conventional practices, Oportun emerges as a distinctive player, offering a unique approach to financial services, particularly targeting underserved communities. However, Oportun also has a history of aggressive debt collection. If you’ve been sued by Oportun, or one of its partner banks, SoloSuit can help you respond to the lawsuit and resolve your debt before going to court. Keep reading to learn more.
In the ever-evolving landscape of personal finance, choosing the right credit card can be a strategic move to help you achieve your financial goals. You have many options, so it's crucial to assess your needs and preferences before committing to a particular credit card. In this article, we'll explore some of the best credit cards of 2023, offering a neutral and expert perspective to help you make informed decisions and avoid unnecessary debt.
Financial challenges can hit anyone at any time. Whether it's due to job loss, unexpected expenses, or other unforeseen circumstances, financial difficulties can lead to situations where debts pile up. When you're unable to pay your debts, companies often hire debt collectors to recover the money you owe them. Debt collectors have a job to do, but it's important to remember that you have rights and legal protections when dealing with them.
Debt settlement is a process by which an individual, corporation or a company settles its outstanding debt obligations for an amount that is less than the full amount owed. This process is usually performed by a debt settlement company or an attorney who specializes in debt settlement. The primary objective of debt settlement is to reduce the amount of debt owed by the borrower and negotiate more favorable terms with the creditors.
In North Dakota, creditors and debt collection agencies are allowed to pursue the collection of unpaid debts and delinquent accounts that have gone into default. Nevertheless, there are statutory limits in place governing what debt collection agencies can, and cannot, do in their pursuit to recover on a debt.
Are your monthly car payments taking a big bite out of your budget? If so, you might consider refinancing. Auto refinancing replaces your existing auto loan with a brand-new one — usually with a lower interest rate or better repayment terms. Upgrade Auto Loans offers refinancing opportunities, but is this a trustworthy company? Learn more about Upgrade Auto Loans so you can decide whether this refinancing option is right for you.
Collection agencies aren’t known for their exceptional reputations, and that’s why federal and state governments regulate their actions. Several laws have been passed to prevent debt collectors from taking actions that abuse or otherwise harm consumers. While all collection agencies must abide by the national Fair Debt Collection Practices Act (FDCPA), Connecticut has some additional laws to protect its residents.
Dealing with relentless calls, menacing letters, and intimidation from a deceitful debt collector is an unsettling ordeal. This unnerving experience is familiar to many, including residents of the Bayou State. If you find yourself being pursued by debt collectors, there are legal provisions under both state and federal law designed to protect you while engaging with a collector about a delinquent account. This article provides a comprehensive overview of debt collection laws in Louisiana, including laws pertaining to the statute of limitations
There is no doubt debt collection is not a popular industry. Abusive debt collectors and scammers have made consumers wary. Fortunately, federal and state governments keep amending debt collection laws as needs arise. But these regulations may only help you if you are familiar with them. For instance, the Fair Debt Collection Practices Act (FDCPA) governs debt collectors’ communications with consumers. The Fair Credit Reporting Act also controls what they can report to the consumer reporting bureaus.
Dealing with constant calls, threats in the mail, and intimidation from a shady debt collector is really terrible. Massachusetts residents and others shouldn't despair though. State and federal laws offer protection and rules when dealing with debt collectors. This article provides a comprehensive overview of debt collection laws in Massachusetts, including laws pertaining to the statute of limitations.
You’ve tried ignoring the daily phone calls. But your debt collector just isn’t taking the hint. It’s gotten to the point where you dread seeing the number pop up on your caller ID. Fortunately, Arkansas residents have rights that protect them from debt collection practices that fall in the category of harassment. Learn more about the debt collection laws in Arkansas and find out how to respond to a persistent debt collector.
Your phone’s been ringing every day for about a week. The caller identifies himself as a debt collector — but you can just ignore him, right? Wrong. If the debt is legitimate, the collection agency may eventually sue you for unpaid debts. But that doesn’t mean that Delaware residents have to be victims of aggressive debt collection practices. Learn more about the laws that protect you and find out how to safely respond to debt collection phone calls.
No one likes dealing with debt collectors. Collection letters usually contain lots of confusing legal terminology that’s likely to make you feel guilty for owing money, and their phone calls can interrupt your busy day. If a collection agency is pursuing you for debt in Idaho, it’s essential to understand what it can and cannot do. That way, you’ll know when a debt collector has infringed on your rights and how to handle it.
One minute, you’re enjoying the glorious spring sunshine, and the next, you find out a collection agency is chasing you for an old debt you’ve long forgotten. A debt collection notice from PRA Group, Inc. can put a crimp in your day. You likely want to learn how to beat PRA Group. After all, you don’t want to be the subject of debt collection letters and phone calls; you have other problems to deal with (and a life to enjoy!).
CashNetUSA has fans and critics in equal measure. So sifting through the reviews can be confusing. However, closely examining the company's website and other reliable platforms can shed enough light on the pros and cons.
Finding a lender who will finance small business operations isn’t easy, especially if your company is new and unproven. One company that helps business owners connect with lenders is Click N Loans. Through the service, entrepreneurs can obtain the money they need for business operations. What do customers have to say about Click N Loans? Let’s find out.
Over the past decade, Apple Pay has quickly gained steam, and millions of stores worldwide accept payment via the app. However, consumers occasionally experience problems using Apple Pay, like when a transaction suddenly goes under review. Sued for debt connected to Apple Pay? Use SoloSettle to respond and settle your debts.
Like in all states, debt collection in Tennessee is a common practice that creditors engage in to recover unpaid debts from consumers. Sometimes, they follow the law and act professionally, but often, they violate your consumer rights. As such, Tennessee debt collection laws were put in place to monitor debt collectors' behavior.
Being hounded by an unscrupulous debt collector is oftentimes a stressful, anxiety-inducing experience. If you are being pursued by such a debt collector and reside in Nevada, do not fret. There are state and federal legal protections in place designed to assist you when engaging with a debt collector about a delinquent account.
Illinois residents have certain rights that protect them from harassment at the hands of debt collectors. Understanding these rights can help you push back against aggressive or unscrupulous debt collection practices. And if you’re facing repeated phone calls from a debt collector, it’s important to know how to respond and resolve your debt.
They may call it the Sunshine State, but repeated calls from a debt collector can darken your spirits. If you’re a resident of Florida, you have rights that protect you from aggressive or persistent debt collection agencies. This guide will help you understand Florida's debt collection laws and explain how to respond to unwanted phone calls.
Virginia’s debt collection laws protect consumers from harassment and intimidation. It also limits when, how, and for how long a creditor can follow up on their debt. The law clearly outlines the penalties debt collectors will experience if caught mistreating consumers. In this article, we'll explore Virginia debt collection laws and help you prepare to take action when a debt collector violates your rights.
Should you find yourself pursued by such an abusive debt collection agent or agency, rest assured that there are legal provisions in place, both under Montana law and federal law, to safeguard you while engaging with a debt collector regarding a delinquent account. This article provides a comprehensive overview of debt collection laws in Montana, including laws pertaining to the statute of limitations.
Residents in the Land of Enchantment have access to certain legal rights and protections when it comes to the conduct and actions of debt collectors in their pursuits to collect on a delinquent account. The rights afforded to New Mexico residents are described in the federal Fair Debt Collection Practices Act (FDCPA) and the New Mexico Fair Debt Collection Practices Act (NMFDCPA). Let’s take a look at each law.
Are you being hounded by a relentless debt collector? Does the sound of your phone make you cringe? If you’re a resident of Arizona, you have laws that protect you from aggressive collection practices. Understanding the debt collection laws in Arizona will equip you to deal with debt collectors, and SoloSuit can help you settle your debts and even respond to a debt collection lawsuit.
It is not unusual for debt collectors in Washington to annoy and harass consumers for a pending debt. Fortunately, Washington has functional debt collection laws that protect consumers from having to endure such situations. In this article, we’ll explain these debt collection laws and how they apply to your situation, plus the actions you should take if a debt collector violates your rights.
Debt collectors often grow impatient when they follow up on debt. Some go a step further and use illegal means to convince or scare you to pay. Fortunately, consumers in Rhode Island do not have to tolerate these unlawful practices. The state has laws that regulate how debt collectors conduct business. These debt-collection laws protect debtors from being harassed, misled, deceived, or experiencing unfair practices.
Debt collectors are nothing if not persistent, and in some cases, they can be downright aggressive, even in the relative paradise of Hawaii. The good news is that you’re not alone. SoloSuit has helped countless individuals settle their debts and rebuild their credit. First, you need to learn about and take advantage of Hawaii laws that protect you from intimidation, harassment, and deceptive debt collection practices.
The Fair Debt Collection Practices Act (FDCPA) and Ohio Fair Debt Collection Practices Act are laws designed to protect consumers from unfair, unethical and improper debt collection practices in Ohio. In this article, we’ll break down these laws in detail and explain how you can stand up for your rights against debt collectors.
Federal and state governments try to limit harassment from debt collectors through legislation. All debt collectors must abide by the Fair Debt Collections Practices Act (FDCPA), which imposes hefty penalties on collection agencies that violate its provisions. Some states have other laws that collections agencies must adhere to.
West Virginia can help you fight for your rights and stop the unending harassment by debt collectors. West Virginia debt collection laws cover various issues such as when, how, and for how long debt collectors can follow you up for debt. It also states how much they can take from your wages if they get a garnishment order. However, it is possible to avoid getting to this stage by responding to the initial debt collection lawsuit with a written Answer.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. The following is a transcript for one of our webinars. In it, SoloSuit's founder George Simons responds to live questions from consumers.
If you keep up with your regular payments in Alabama, you’re unlikely to encounter any issues with your creditors. However, if something happens that prevents you from paying your creditors, you’ll run into problems. Eventually, they may give up on you and sell your debts to a collection agency. Collection agencies aren’t known for being exceptionally forgiving. When they get hold of an unpaid debt, they’ll ratchet up the collection efforts, and you’ll likely start receiving letters and phone calls.
Unfortunately, you can’t stop a debt collector from purchasing debt from your original creditor, especially if you’re behind on payments. However, you have rights that protect you from a debt collector’s abusive actions. If a collection agency is chasing you for an old obligation, it’s smart to brush up on the debt collection laws in Colorado so that you know how to protect yourself.
While banks and financial institutions have their policies and strategies to protect your data, you need to make sure this is the case on your side, too. That being said, we’d like to share with you seven ways to boost your online banking security and how to deal with fraudulent debt.
Debt collection letters are incredibly frustrating, especially if you know you owe the money but don’t have enough to repay it. If you receive one, you know that more will come, along with many phone calls and emails. Debt collectors aren’t known for being the most reputable of characters, and some collection agencies may use illegal tactics to collect debts. Remember, no one can harass or abuse you, even if you owe them money.
Nowadays, it's no secret that the Internet is just a tap away. While this accessibility is great for productivity and entertainment, it can pose a challenge for those who value privacy and security. When you visit a website, background cookies are installed, advertisers tailor ads based on our browsing history, and our ISP knows which sites we've explored. Only the best VPN services can provide a solution.
North Carolina has some of the most limiting wage garnishment laws. The state prohibits courts from ordering wage garnishment even when the creditor wins the lawsuit. They may use other means, such as bank account levy, but wage garnishment is not an option. That is not to say that no one can garnish your wages in North Carolina. If you owe a public or family debt, your money can be taken from your paycheck to cover such debts, namely taxes and child support arrears.
As a resident of Alaska, you need to understand your rights if a debt collector is chasing you for money. Collection agencies aren’t known for being the most reputable businesses, and if an old account of yours ends up in a collection agency’s hands, you’ll probably start receiving lots of phone calls and letters. Fortunately, both the federal and state government offer protections from debt collectors for Alaska residents.
Dealing with a debt collection agency like Consumer Collection Management (CCM) can be an intimidating and stressful experience if you have fallen behind on your debts. To impress their clients, CCM sometimes resorts to aggressive and even unlawful tactics to ensure you pay the debt. It is essential as a consumer to know your rights and understand how to protect yourself from illegal debt collection practices. This article will help you deal with CCM at any stage of the collection process.
Being pursued by a debt collector is generally considered to be an unpleasant experience that routinely triggers people to be stressed, anxious, and concerned every time the phone rings. If you are being contacted by a debt collector and are a resident of the Beaver State, do not fret. There are legal protections codified under Oregon law and under federal law to help you when engaging with a debt collector about a delinquent account.
Persistent calls and letters from Nationwide Credit can be frustrating. Even worse, the debt collector may threaten to sue. For consumers, it is easy to go into panic mode. But panicking can cause you to act unwisely. SoloSuit helps you respond to Nationwide Credit on time, settle debts you owe for less, and win debt-collection lawsuits. This article discusses who Nationwide Credit is and who it collects for, the company's customer reviews, your rights under the FDCPA, and how to resolve a debt with the company.
Wage garnishment can be a stressful and mentally exhausting experience for consumers in New Jersey facing financial challenges. When creditors obtain a court order to collect debts through wage garnishment, a portion of your wages is withheld, leaving you with reduced take-home pay. However, debt collectors in New Jersey must follow strict laws that give directions on the type of income they can garnish, the process involved, and limits to garnishment.
If you have lost a debt collection lawsuit and have a job, the creditor can take money straight off your paycheck. What can you do to stop them? Find out in this simplified discussion of New York's wage garnishment process and laws.
In the realm of personal finance, student loan debt is a topic of significant concern, particularly for young adults who are fresh out of college. With total U.S. student loan debt surpassing $1.7 trillion, it's clear that this financial burden is more than just numbers on a spreadsheet—it's a pervasive problem that affects not only individuals' finances but also their mental health. Let's dive into the real impact of student debt and how our brains handle it.
Receiving a debt collection notice in the mail probably isn’t the highlight of your day. No one likes unexpected expenses, especially when they’re long-forgotten or you don’t believe you owe them. Unfortunately, debt collection is a big business in the US, and creditors aren’t likely to let you off the hook too easily. One well-known collection agency, Encore Capital Group, purchases overdue consumer credit and utility debts and pursues debtors for the amount they owe.
Thousands of Texans may endure financial struggles — many due to wage garnishment. Certain creditors can try to collect on debts owed by withholding a debtor's wages. This can impact the debtor's income and make it more difficult for these people to pay their expenses. Thankfully, Texas wage garnishment laws protect its residents from unfair garnishment orders and practices. Examples include garnishment limitations, exemptions, debt settlement, and bankruptcy. In this article, we’ll break down each of these options and more.
A debtor’s worst nightmare is finding themselves with a garnishment order that seeks to take away the money that barely meets their daily necessities. In Oklahoma, consumers have laws that protect them from wage garnishment that may plunge them deeper into financial hardship. Without helpful resources to guide you, it may feel impossible to resolve your debt. Luckily, Oklahoma law gives you a way to fight garnishment orders, and SoloSuit can help you respond to a debt lawsuit and avoid wage garnishment through debt settlement.
The federal government has a lot of protections in place for consumers who borrow money on credit. One is USC 15 Section 1662(b), which protects individuals from creditors who make certain claims about consumer credit. Understanding your rights under USC 15 Section 1662(b) can protect you from dodgy lenders who try to separate you from your wallet.
If you struggle to make ends meet and are already having difficulty managing your finances, receiving a wage garnishment order is a devastating blow. You may feel overwhelmed and worried about how you will make ends meet. Fortunately, the state of Washington has laws to protect consumers from excessive wage garnishment. The provisions limit how much and which debts can be garnished. There are also certain procedures the creditor must follow before garnishing your wages.
When a B2B organization doesn’t receive the money it expects from its customers, it does what any B2B company would — it tries to get them back on track with their payments. It will call the debtor business and send letters in an attempt to collect the money it’s owed. However, sometimes these efforts don’t work, and the business will contact a collection agency, like Atradius Collections, that specializes in collecting money for B2B organizations.
Receiving a debt collection notice is the absolute worst. You’re going about your day one minute, and the next minute, BAM! Someone claims you owe money you might not have the funds to repay. Unfortunately, if your debt ends up with Unifin, you can expect lots of collection notices, emails, and phone calls until you resolve the situation. If you don’t repay the bill or set up a payment arrangement, Unifin may decide to take further action with a debt lawsuit.
A court often issues a garnishment order to a creditor after they win a debt collection case. While it's true that Oregon’s wage garnishment laws limit a creditor's opportunity to garnish your wages, some provisions still allow them to get their money legally. If you have received a garnishment notice, you can still fight it. This article will explain the various ways to stop wage garnishment. But first, let us look at the wage garnishment laws in Oregon.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. The following is a transcript for one of our webinars. In it, SoloSuit's founder George Simons responds to live questions from consumers.
If you are currently pondering whether to enroll in college or not, the key question in your mind must be - how much does it really cost? You should know that tuition and fees aren’t the only expenses that you’ll incur as a college student; there’s accommodations, books, basic living costs, and other expenses to be aware of. In this article, we will provide you with a detailed breakdown of college expenses.
How do you feel about debt collection agencies? If you’re a consumer on the receiving end of their letters and phone calls, your impression of them probably isn’t too positive. Our list of the largest collection agencies in 2023 identifies some of the major players in the collection industry. While we can’t stop them from harassing you, we can provide you with some background so you can be prepared.
Excessive wage garnishment can have long-term consequences, such as damage to credit scores and difficulty obtaining a loan in the future. Fortunately, Virginia provides ways to stop wage garnishment. You can object to the garnishment order, file a claim of exemption, negotiate a payment plan with the creditor, or file for bankruptcy. This article will explain these options.
In the era of increasing financial complexity, many individuals and businesses alike find themselves entangled in the web of debts. However, adopting a comprehensive approach to debt management can make this challenge less intimidating. This involves creating a robust debt repayment plan — a plan that works for you, rather than against you.
Once you receive the garnishment order, you will have several days to challenge it in court or negotiate with the creditor. This article will help you learn what to do in either of these options. We will discuss Virginia wage garnishment laws and look at the various ways you can stop wage garnishment or prevent it entirely.
Third-party organizations offer debt relief programs to help consumers negotiate with their creditors. The organization may secure a payment plan or even reduce the amount of your outstanding debt. Here are five of the best debt relief programs of 2023.
If your business has a past-due debt in the United States (or the world), the creditor can hire Prestige Services, Inc. (PSI) to collect it. However, the company's promise to its clients to "bombard" debtors with calls and letters may not sit well with you.
If a debt collector calls you, they’ll interrupt your busy day and leave you in a bad mood. Fortunately, consumers have protections against debt collectors under 15 USC 1692, known as the Fair Debt Collections Practices Act (FDCPA). Congress enacted the FDCPA in 1977, and it has been amended several times since then.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. The following is a transcript for one of our webinars. In it, SoloSuit's founder George Simons responds to live questions from consumers.
Creating and sticking to a financial plan is a very important ability for anyone, not just students. It not only helps you manage your finances responsibly but also enables you to achieve your financial goals and avoid unnecessary debt. If you’re looking for ways to be smart with your money as a student, this article will cover 5 tips to creating a realistic and effective budget as a student. Let’s jump right in!
Unlike many states, South Carolina does not allow wage garnishment for consumer debts. Such creditors may threaten consumers with wage garnishment, but they will never legally enforce it. Debts that lead to garnishment are those you owe the state or federal government, child or spousal support, and those with a judgment and withholding order from your previous state of residence.
Consumers must understand New Mexico's laws, especially if they face wage garnishment for the first time. A clear picture of the process can open several ways to handle the situation. New Mexico wage garnishment laws are public. So you can access them whenever you need to. However, many consumers may need help comprehending the complex legalese on government websites. This article breaks down the technical jargon and formal terminologies in a way you can understand. By examining the applicable laws, you will find ways out of a wage garnishment order.
If a creditor wins a lawsuit against you, you can look forward to a judgment and possible wage garnishment. In wage garnishment, your creditor will gain the right to take part of your income until you fully satisfy the debt. The portion of your paycheck seized will likely be higher than if you had stuck with your original payment arrangement. Avoid wage garnishment through debt settlement.
When you’re struggling to keep up with your regular debt payments, you may wonder what will happen if you stop paying your creditors. Will your debts disappear into a black hole? Will your creditors suddenly forget about you and stop calling you? Unfortunately, that’s wishful thinking. Creditors seldom forget when someone owes money, and they’re likely to step up their collection efforts if you stop paying your bills. Continued nonpayment can result in a debt lawsuit. If your creditor wins a debt lawsuit against you, it will obtain a judgment they can use for wage garnishment.
Are you struggling to make your mortgage payments? If so, you're not alone. Many people face financial difficulties at some point in their lives, and it can be overwhelming when you can't afford to pay your mortgage. But don't panic just yet! You have options when addressing this situation and finding a solution that works for you. By taking proactive steps and exploring these options, you can find a way forward and regain control over your mortgage situation.
If your creditor wins a debt lawsuit against you, they’ll obtain a judgment they can use to garnish your wages or freeze your bank account. You won’t have complete control of your finances anymore. Instead, your creditor will take the maximum amount they can from you each pay period.
A wage garnishment is a legal order that creditors use to seize part of your income after you stop paying your bills. Fortunately, creditors can’t garnish your wages simply because you missed a few payments. They must sue you and win their case before they can begin the wage garnishment process. Of all fifty states, Hawaii has some of the most complex (and confusing) laws concerning wage garnishment. If you’re a resident of Hawaii, it’s smart to understand how these laws work if you’re facing a debt lawsuit or think a creditor may sue you in the future.
You may be worried about wage garnishment if you’re currently behind on your debts. A wage garnishment requires your employer to withhold a portion of your pay on behalf of a creditor you owe. The amount withheld depends on your earnings, the amount you owe, and state law. A wage garnishment will continue until you repay the debt or stop working. You’ll often face higher payments with wage garnishment than you would if you had stuck with your regular payment arrangements. Usually, wage garnishment is entirely avoidable if you take the appropriate steps to protect yourself.
If a creditor decides to sue you for unpaid debt, you can’t afford to ignore it. A debt lawsuit opens the door for further legal ramifications, like wage garnishment. If your creditor wins the legal claim, it will receive a judgment against you, which it can use to require your employer to withhold part of your income until you repay the debt. Wage garnishment is no joke, especially in Idaho. Idaho has rigid wage garnishment laws that work to your creditor’s advantage. If your creditor gains the right to garnish your wages, you’ll see a significant portion of your earnings go straight to your creditor, making it much harder to afford other things you need, like shelter and groceries.
Summary: You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit.
Birds are chirping, the sun is shining, and everything seems wonderful — until you find a summons for a debt lawsuit on your Arizona front porch. You'll want to act quickly if you’re the subject of a debt lawsuit. If you lose the case, your creditors will win a judgment they can use to garnish your pay or seize other assets, like your bank account. A wage garnishment requires your employer to withhold part of your weekly income until you satisfy a debt. The amount of a wage garnishment varies depending on state laws, your earnings, and the total you owe. Generally, the more you earn and the higher your debt, the greater the garnishment amount.
If you’re behind on debt in Missouri, you may wonder what the potential consequences are. You know that your creditor probably isn’t going to let you off the hook, so what’s the next tactic that it will use against you? Creditors and collection agencies typically follow the same pattern when someone stops paying their bills. They’ll start sending letters, and you may receive more phone calls from unknown numbers. These efforts at communication will continue for a while until they decide you’re not going to reply.
It’s not uncommon to fall behind on your bills. Most everyone has been guilty of missing a few payments. However, if you don’t get control of the situation quickly, your creditors will start hounding you — and they won’t stop until they get the money you owe. What starts as a few missed payments can lead to a debt lawsuit. The lawsuit's outcome may be a judgment that your creditors can use to garnish your wages. Wage garnishment takes a significant chunk of your income, impacting your ability to pay for other things, like food and rent.
Debtors facing wage garnishment in Tennessee have several ways out, thanks to the state and federal consumer protection laws that are in place. Tennessee's wage garnishment law protects some of your income from debt collectors. So creditors cannot take your entire salary even if you have multiple garnishments or a huge judgment amount to pay. Although the regulations closely mimic federal wage garnishment laws, there are a few notable differences. In this article, we will discuss those statutes.
Wage garnishment occurs when a creditor seizes a portion of your wages to satisfy a debt. The creditor will continue to take part of your income until you repay your obligation. Wage garnishments can last weeks, months, or even years, depending on how much you owe and how much you earn. It’s important to realize that wage garnishments aren’t automatic. If you stop paying your bills, your creditors can’t suddenly swoop down and force your employers to hand over part of your paycheck. Instead, they must sue you and win a judgment from your local court to start the garnishment.
Student loans are an integral part of the US education system. They facilitate access to higher education, equalize opportunity, and are considered an investment in one’s future. Despite the benefits of student loans, the crushing weight is overwhelming for many individuals. High debt amounts and interest affect the borrower’s financial stability and repayment. In this article, we will discuss financial tips for college students, bits of advice on how to overcome financial problems, and how to fix student loan debt.
The average American has thousands of dollars in debt, which includes credit card debt, student loans, mortgages, and auto loans. With such a large amount of debt, it is not uncommon for consumers to receive debt collection calls. You have rights under the FDCPA and can ask the debt collection agency to cease harassing communications and validate the debt. Use SoloSuit's online resources if you are unsure where to begin if you need assistance, mainly if the matter goes to court.
When people don’t pay back the money they owe, creditors don’t let it slide. If you owe money to a creditor, you’ll probably receive frequent calls and letters urging you to get back on track with your payments. It’s easy to ignore such communications when you’re in a tough financial spot and don’t have the money to repay your debt. However, ignoring a creditor won’t make your debt go away. Instead, the creditor might sue you or sell your debt to a collections agency — which might sue you once it assumes the debt. If you lose a debt lawsuit, your creditor will win a judgment, which it can use to garnish your wages or freeze your bank account. If your primary source of income is Social Security or Social Security Disability Insurance (SSDI), you can’t afford to lose your money to wage garnishment. Fortunately, laws protect your Social Security benefits in some cases.
When you have trouble making your monthly payments to creditors, they’ll usually try to work with you, especially if you’re facing an unexpected issue, like job loss or health problems. They may allow you to make smaller payments or forgive late fees for a few months. Problems occur when you can’t get back on track with your payments. Your creditor will increase its collections efforts with calls and letters, but it may give up at some point. It will probably decide to sue you or sell your debt to a collections agency that will expedite the payment process.
A call from Northstar Location Services can be confusing. Often, consumers do not recall ever doing business with such a company. If you have received a call from Northstar Location Services, LLC, they want you to pay an alleged debt. The company makes it clear on its homepage that the reason for contacting you is to seek payment. While you may never have heard that name, the calls can worry you. Some wonder if they should ignore the calls, collection letters, and even lawsuits. SoloSuit has put together this information to help you understand how Northstar Location Services works and how to win if they sue you.
Finding a collections notice in your mailbox from Northstar Location Services probably isn’t your idea of a great start to the day. It may worry you, especially if you can’t repay the amount due. Ignoring the letter may seem like the best course of action, but that’s a mistake. Instead, you should face the matter to avoid future repercussions. In this article, we’ll explain who Northstar Location Services is, how they operate, and how you can stand up for your rights and respond to debt collectors before, during, and after a lawsuit has been filed.
In the world of debt collection, things are constantly evolving. One significant change is the recent purchase of Expert Global Solutions by Alorica Inc. Expert Global Solutions was one of the nation’s largest debt collection firms. As its new owner, Alorica is now a major player in the collections industry. Alorica is one of the largest call centers in the world. Aside from debt collection, its employees service various industries, including fintech, gaming, and subscription companies. Its headquarters are located at 5161 California Ave., Irvine, CA 92617. You can reach the company by phone at 1-866-256-7422.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. The following is a transcript for one of our webinars. In it, SoloSuit's founder George Simons responds to live questions from consumers.
Higher education in the US is a huge investment. It leaves many students grappling with enormous debt after graduation. While there is no quick fix for the outrageous price of a degree, there are certain ways to work around it and avoid student loans. Some students take jobs and use write my essay services to deal with their college workload. Others use their savings or family support. Yet, aside from these, there are many other practical ways to cover the cost of your education. But before we move on to them, let’s discuss what student debt is and why it can be risky. Sued for student debt? Settle your student debt for good with the help of SoloSettle.
If there is one thing debt collectors do perfectly, it is getting on your nerves. They can cause sleepless nights because of their endless calls and threats. Whether it's their rude agents calling or the automated robots, seeing their number on your phone brings anger and anxiety. If you have an outstanding debt with Advanced Recovery Systems, there is a chance you have felt this way already. Luckily, there are ways to come out of this situation on top. Keep reading to learn more.
“Recovering outstanding receivables with care & consistency for more than 30 years” is the slogan for AmSher Collection Services (ACS) on their website. But have they lived up to this promise? Many consumers don’t think and have formally complained about the methods ACS uses to collect their debt. A consumer who doesn't know how to respond to ACS’s collection tactics will be frustrated and may even pay more than they owe. Beating debt collection agencies such as ACS is not complex as they make it sound when they contact you.
Debt plays a large part in most people’s lives. Americans take out loans to pay for some of their most expensive purchases, like houses and vehicles, and use credit for other items, like clothes and home goods. When you make timely payments to your creditors, it's smooth sailing. Problems arise if you forget about an obligation or stop making payments. When that happens, you may receive a collections notice from a debt collector like Linebarger Goggan Blair & Sampson, LLP. Even worse, Linebarger Goggan Blair & Sampson, LLP might sue you for debt, but thankfully, you can settle your debt before having to go to court. SoloSettle makes debt settlement simple.
You probably didn’t expect to receive a collection notice from The Moore Law Group. Collection notices tend to show up when you least expect them, ruining your day. While your first instinct may be to throw the collection notice in the garbage, it’s best to address the issue head-on. That way, you avoid the legal repercussions that may raise their ugly heads. Sued by The Moore Law Group? Settle your debt and move on with your life.
Buy Now, Pay Later (BPNL) offers are attractive, because you can have the item now and only pay in the future. What happens if you can’t pay for it – ever? Even worse, what happens if someone makes a purchase in your name, which throws you into debt? One significant concern that arises with Buy Now, Pay Later (BNPL) offers is the potential accumulation of debt and the challenges it may pose for both customers and providers. While BNPL options offer the allure of deferred payments, there is a risk of customers falling into debt if they are unable to meet their repayment obligations.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. The following is a transcript for one of our webinars. In it, SoloSuit's founder George Simons responds to live questions from consumers.
If you're facing financial struggles in Pennsylvania and have fallen behind on loan and credit card payments, you may be at risk of having your wages garnished. Wage garnishment is a legal process that permits debt collectors to collect a portion of your wages directly from your paycheck to repay debts. It can be a stressful experience to see your paycheck with your regular pay reduced by up to 25%, which leaves you with reduced income to cover your essential expenses. However, Pennsylvania has laws to protect consumers from excessive wage garnishment.
Sunrise Credit Services has a charming name. After all, almost everyone enjoys watching a beautiful sunrise in the morning. But names can be deceiving. If you receive a letter from Sunrise Credit Services, it probably isn’t going to compliment your steller financial management skills or offer you a 0% interest loan; instead, it’s trying to collect a debt. Sunrise Credit Services partners with banks and other entities and pursues debtors relentlessly until they pay off their obligations. If it contacts you, expect to receive many letters and phone calls. If you don’t respond, Sunrise Credit Services may decide to sue you.
Owing a creditor money can make anyone feel a little anxious, especially if they don’t have the means to make regular payments. Financial problems can quickly spiral out of control, resulting in late fees, penalties, and extra interest. If you don’t get on top of the matter fast, your creditor may take more drastic action, like suing you for unpaid debt. Act quickly if a creditor decides to sue you. Losing a debt lawsuit can result in a judgment against you that your creditor can use to garnish your wages or even freeze your bank account.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit.
At SoloSuit, we aim to understand the debt collection industry so that we can educate consumers on how to resolve, settle, and fight debt lawsuits. We recently interviewed a former debt collector for Credit Management Company who told us how the process works on the side of collectors and how collection agencies motivate their employees to collect as much as possible. Below is the transcript of the interview.
If you currently owe a debt in California, you may be worried about wage garnishment. A wage garnishment requires your employer to withhold a portion of your weekly earnings on behalf of your creditor. The garnishment continues until you fully satisfy the debt you owe. Wage garnishment is pretty serious stuff. If your creditor is successful, it will take a significant chunk of your income away from you. That will make it difficult to pay for your daily needs, support your family, and afford a place to live. Fortunately, creditors can’t garnish your wages in California without going through some legal hoops.
Wage garnishment can leave individuals unable to meet their debt obligations and can be a financially devastating experience for many families in the United States. Utah wages can be garnished legally if the creditor obtains a court order, leaving those in debt feeling helpless and overwhelmed. After a creditor has obtained a court order against an individual, indicating that they are legally entitled to collect the sought debt, wages can be garnished in a legal process in which a creditor can collect by taking money directly out of an individual's paycheck. Wage garnishment can be a scary reality for many, as it limits the cash available each month for the individual to take home.
If you owe money to a creditor in Alabama, you don’t want to end up on the receiving end of a debt lawsuit. Alabama has some of the strictest wage garnishment laws in the nation, and a creditor who wins a judgment against you can take a considerable portion of your pay until you satisfy your debt. You don’t want to fork over your earnings to a creditor, so it’s best to resolve the claim before it ends in a judgment against you. In this article, explain how the wage garnishment laws work in Alabama and what you can do to protect yourself.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. Without SoloSuit, people win less than 10% of the time in debt collection lawsuits. We consider a win to be a few things. One, if your case just gets dismissed outright, two, you might settle your lawsuit, or three, you might buy yourself more time in the lawsuit so that you can declare bankruptcy or something else along those lines.
Finding out your old debt is in collections is never great news. Collections typically mean you’ll hear from debt collectors over the phone and via email, mail, and SMS text messages. Your debt collector may take legal action against you if you don't repay the bill. One well-known debt collection agency is Convergent Outsourcing. Convergent Outsourcing is one of the oldest debt collectors in the U.S., operating since 1950. If you receive a bill from Convergent Outsourcing, you’ll want to take action quickly to avoid a debt lawsuit.
In today's fast-paced world, it is crucial for students to develop effective budgeting strategies to manage their finances wisely. As a student, you may be faced with numerous expenses, including tuition fees, textbooks, accommodation, food, and social activities. Without proper financial planning, it can be easy to overspend and find yourself in a difficult financial situation. Being a student means having a busy schedule. Even though budgeting is super important for students, it can easily fall to the wayside.
Few things are worse than finding out your old obligation is with a debt collector like Lakeside Collection. Lakeside Collection, also known as Lakeside Receivables LLC or Lakeside Recovery Solutions, is a collection agency that tries to recover unpaid debts from consumers. Lakeside Collection doesn’t have much of an online presence. Its website offers minimal contact information and a short About Us page. If Lakeside Collection is causing trouble, you’re in the right place. We’ll explain how to handle your situation and avoid legal repercussions.
Old Navy is a value shopper’s dream. It offers clothing for the entire family that’s of decent quality at low prices. Many customers turn to Old Navy for their favorite jeans, sweatshirts, and other attire. Loyal customers obtain an Old Navy credit card, which they can use in-store and at partner retailers, including Gap, Banana Republic, and Athleta. However, all relationships can turn sour — even with a seemingly innocuous store like Old Navy. If you fall behind on your Old Navy credit card payments, you may be the subject of a debt lawsuit, something you probably don’t want.
Best Buy is known for selling just about any consumer electronics you might need, such as TVs, home theater equipment, computers, laptops, and washing machines. Many customers visit their local Best Buy store or website when they need a new device. Electronics aren’t cheap. A laptop can cost over $1K, and smartphones can set you back at least $750. Many people don’t have much savings, so they use credit cards for help. Best Buy offers two different credit card programs clients can use to purchase what they need. However, people who fall behind on their payments face repercussions, including lawsuits.
Persistent debt collectors have mastered getting on your nerves with their endless calls and emails. Worse still, they may even threaten you with dire consequences if you fail to pay. West Central Texas Collection Bureau (WCTCB) uses methods of harassment and bullying in an effort to collect debts. They invest in training their employees to use tactics to increase their chances of getting consumers to pay. Hence, knowing your consumer rights under the Fair Debt Collection Practices Act (FDCPA) will help you beat them at their game.
The American Credit Acceptance company, headquartered in Spartanburg, South Carolina, provides financing solutions for subprime consumers. Consumers can secure automotive loans through ACA. As a partner of over 2,500 dealers, the company has provided affordable vehicle options to more than 630,000 consumers.
There's no doubt that financial freedom is the ultimate goal, but getting there can be a long journey with uneven pavement and filled with unexpected detours. Symple Lending helps customers face last-minute surprises by providing them with a quick injection of capital to help them continue their journey.
At SoloSuit, we converse daily with people who have negative monetary net worth and have been sued by the world’s largest multi-billion dollar banks. We wanted to know the prospects of these people, our customers, and people like them. So, we wrote this report. The goal of this report is to compare previous trends in debt collection cases to current trends and to predict debt collection lawsuits to come as a reflection of the US economy’s current state.
Failing to communicate with your creditor or arrange a new payment plan can result in a debt lawsuit, with you named as the defendant. If a creditor or collections agency decides to take legal action against you, it wants to win a judgment that it can use to garnish your wages. A judgment will stay in the public records for years, and wage garnishment can take a big bite out of your weekly income.
Most people carry some form of debt, whether it's a credit card, personal loan, or mortgage. Taking on debt helps you afford expensive items when you don’t have enough cash to buy them outright, like a new car or a computer. If you stick with your payment plan, you’ll build your credit history and relationships with lenders. Problems emerge when you stop making regular payments. Creditors will start calling and sending you letters after your first missed payment. When you ignore their communication efforts, creditors may take further action by suing you or selling your obligation to a collections agency.
Wage garnishment can be a stressful and overwhelming experience for anyone who is already struggling with debt. In Nevada, creditors can garnish up to 25% of a debtor's disposable income, making it difficult for some debtors to make ends meet. Fortunately, legal protections are available to help debtors stop or reduce a wage garnishment. These protections include objecting to wage garnishment, filing a claim of exemption, negotiating with the creditor, or filing for bankruptcy.
As economic instability grows, American households have hit a record-high of $17 trillion in debt on average. This debt is a result of several types of consumer loans such as mortgage, auto, and student loans. Understandably, this causes a great amount of stress and fear for citizens burdened by this debt. For business owners, employees stressed out about their family debt will undoubtedly show signs of mental fatigue at work, manifesting as poor health, inattentiveness, low-quality work, and burnout. To keep morale and work quality high, it’s thus in a company’s best interests to support employees through these troubling times.
If you’re a business owner, you might have borrowed a business loan from a bank or other lender to get your business off the ground or fund expensive operations. If so, your business’s debt to sales ratio becomes a key metric of your company’s financial health and an indicator of potential actions you may have to undertake. If you’re considering taking out a business loan or have already taken one out, understanding your debt-to-sales ratio is paramount to guiding your business’s long-term financial plan. To help you out, this guide will explain what a debt-to-sales ratio is and give advice on how to manage it.
When you have several bills to pay on top of paying off a new car or credit card, things can get overwhelming. Sometimes debt can spiral out of control, making it difficult to get out, especially if you have high-interest loans or accounts. One of the most effective ways to manage this debt is by obtaining a debt consolidation loan, and Priority Plus Financial says debt consolidation helps you manage your debts more efficiently. By consolidating your debts and accounts, you can pay less interest and make one monthly payment.
In Ohio, consumers with long-standing unpaid debts often face wage garnishment—a legal process permitting creditors to collect money directly from your paycheck. Wage garnishment can result in significant financial hardship for individuals and families, leaving you with a reduced income to cover your living expenses. However, if you face wage garnishment in Ohio, you can fight the garnishment order. Ohio law provides guidelines to help you stop or minimize wage garnishment and regain control of your finances. This article will discuss Ohio laws and examine ways to stop wage garnishment.
When you owe money to a creditor, they may take legal action to collect the debt when you fail to pay. If a creditor wins a debt collection case against you, they can then obtain a court order to garnish your wages. Garnishment can cause extreme financial hardship for consumers struggling to pay the bills. A wage garnishment order requires your employer to withhold a percentage of your wages and send it to the creditor.
Creditors tend to freak out when you stop making regular payments. They may tolerate it for a few months, but you’ll probably incur late fees, making it even harder to get caught up on your debt. If you stop answering creditors’ phone calls and don’t try to resolve the issue, they’ll step up their collection efforts and may even sue you. If you receive a Summons for a Connecticut debt lawsuit against you, you must take action fast. A debt lawsuit indicates that a creditor or debt collector wants to obtain a judgment so it can garnish your wages. Avoiding a judgment is critical to prevent wage garnishment. Without a judgment, no creditor can take your pay.
Getting a collection notice means that your creditor decided to sell your debt to a professional collection agency, and you’ll probably hear from it frequently in the coming months. Debt collectors take the collections process seriously — after all, their entire business model is collecting old debts and pursuing consumers for payment. While you can’t stop a creditor from charging off your unpaid medical debt and selling it to a collection agency, it helps to know how the process works. In some cases, you may be able to use it to your advantage.
You open your mailbox and find a few advertisements, a magazine, and what appears to be a letter from a collection agency. Debt collection notices can come at the most inconvenient times, reminding you of your failure to pay a bill. The collection letter you receive is for a $200 balance on your old Visa card. You’ve long forgotten about the debt, but the collection agency hasn’t! Will it sue you if you don’t pay? That depends on several factors, including the amount you owe, the age of the debt, and whether you attempt to communicate with the collection agency.
Being sued for credit card debt is not a good feeling, and it can be pretty isolating. You may have already gone online to look for an attorney to represent you in the case and discovered that it's expensive, time consuming, and a pretty complicated process to find a lawyer. Luckily, Solo Suit exists to help people like you represent yourself in court and feel less alone throughout the debt collection lawsuit process. In this article, we're going to show you an interview that I recently had with a real SoloSuit customer who used our services to fight off a major debt collection agency and credit card company in court. His name is Mason from South Carolina, and here's how he beat Zwicker & Associates Discover credit card in court.
Legal document software is transforming the way law firms and legal professionals manage their client documentation. By automating the creation of routine legal documents, attorneys can save considerable time and resources while ensuring consistency and accuracy. As technological advancements continue to reshape the legal industry, document automation is poised to become an even more integral component.
In Wyoming, a wage garnishment order can be issued by a court or a government agency, directing an employer to withhold a portion of your wages to pay off a debt. Dealing with wage garnishment can be an overwhelming and stressful experience for anyone. Fortunately, options are available to stop wage garnishment in Wyoming. Taking action to stop the garnishment can provide much-needed relief and reduce financial stress. This article will discuss three ways to reduce or stop wage garnishment. Before we get to it, here are Wyoming garnishment laws you must consider.
Student loan debt is necessary for some people to gain a higher education, but it comes with a hefty personal price tag and potential negative effects on the economy as a whole. In this article, we’ll explore the effects of student debt on the US economy, the reasons for student loan debt, and the positive impact of avoiding it altogether. Sued for student loan debt? Settle the debt before going to court with the help of SoloSettle.
If you or a loved one has been injured in a fire, you know how devastating it can be. The physical and emotional scars may last a lifetime. That's why it's so important to have a burn injury attorney on your side. A good lawyer will fight for your rights and make sure you get the compensation you need and deserve. The last thing you want to worry about, especially when you’re recuperating, is negotiating an insurance claim. That’s why you want to contact an attorney. A lawyer will handle all the paperwork and negotiations so you can focus on healing and recovery. If you've been injured in a fire or burned in another mishap then, don't try to go it alone.
Wage garnishment is serious business. A creditor who wins the right to garnish your wages can make your life miserable by seizing a large portion of your weekly income. If you’re currently experiencing wage garnishment, you may find it hard to pay for things you need, like a place to live and food to eat. People who are not under wage garnishment but see the signs that a creditor might sue them should prepare themselves. A creditor who wins a debt lawsuit against you will gain a judgment they can use to garnish your wages or freeze your bank account. In some cases, it makes sense to hire a wage garnishment lawyer to protect you.
Dealing with debt collector calls often leaves you feeling irritated, upset, and helpless. Most times that is their aim. Diversified Consultants Inc often calls to pressure consumers into paying alleged past-due debt. However, paying every debt a collector imposes on you is not always a good idea. For instance, the account may contain errors, the debt may be too old, or you may be a victim of identity theft. SoloSuit can help you stop calls from 800-604-0064 and verify Diversified Consultants' allegations. Even if the debt is yours, you can stop collection calls for good by settling it. This article will help you find out how to achieve this outcome.
Is the West Central Texas Collection Bureau (WCTCB) holding you hostage? Have you been trying to contact them, and the phone takes you straight to voicemail, no matter what time or day of the week you call? Have you referred to their website only to find "under construction"? This article will give you all the information you need about WCTCB in case they bombard you with calls, letters, or emails about an alleged debt. Did WCTCB sue you? Avoid going to court and settle your debt with the help of SoloSettle.
Getting sued for debt is stressful enough, but imagine being taken to court over a fraudulent credit card debt. At SoloSuit, our mission is to empower people who are struggling with debt by helping them respond to debt collectors and debt collection lawsuits on their own, making justice accessible to all. Recently, one of our employees interviewed a real SoloSuit user who was sued by American Express for a $35,000 credit card debt—a debt she didn’t incur. In this article, she shares her story on how she used SoloSuit to respond to a fraudulent credit card lawsuit and win, all in her own words.
Language learning is a fulfilling and enriching journey that can open doors to new cultures, opportunities, and personal growth. However, pursuing language learning while managing debt can pose financial challenges. In this article, we will explore practical budgeting tips and strategies for language enthusiasts who are navigating debt. By incorporating smart financial planning and leveraging resources, you can continue your language learning journey without compromising your financial well-being.
When you stop paying a credit card company or another creditor, like a utilities or telecommunications provider, it will try to get you back on track with your payments. If you don’t respond to these efforts, your creditor will likely charge off your account. A charge-off will wreck your credit score, and a charged-off account will likely end up in the hands of a collection agency. Creditors often sell charged-off debts to collection agencies, especially when they think it's unlikely that the consumer will repay the entire debt. Once the collection agency buys the debt, it will resume collection efforts against the consumer, which may include a debt lawsuit.
Financial freedom, an elusive goal for many, is often hindered by the daunting challenge of lingering debt. Imagine if you could combat this challenge, not with a sword, but with a shield—a shield in the form of cash value life insurance. In the sprawling maze of financial strategies, cash value life insurance shines as an unexplored pathway toward living debt-free. Join us as we journey into this financial landscape, uncovering the power of this tool to guide you along your path to financial independence.
Which lawyer should you consult for the legal matter you are experiencing? That is the first question you must ask yourself because different lawyers handle specific lawsuits. For example, you would not hire an attorney specializing in domestic crimes to represent you in a debt collection lawsuit. Instead, a civil litigation lawyer would be the ideal choice. However, civil litigation lawyers specialize further by dealing with specific laws for a particular offense. For instance, you will likely build a solid slip-and-fall case if you hire a personal injury attorney rather than a probate attorney.
If you are looking for a way out of unsecured debt, you may have heard about Pacific Debt Relief. The company has received excellent reviews from satisfied customers. But will it work for you? Before you sign up for a debt settlement program, you should understand how debt relief companies typically work. Ask yourself questions such as How does Pacific Debt Relief make its money? How does it negotiate debt settlement? Can you do it yourself? And how will settling debt affect your credit score? This comprehensive review by SoloSuit answers these questions to help you make an informed decision.
CreditFresh is a fully integrated technology and service solution provider that works with financial institutions to provide credit to consumers. To collect on delinquent or charged-off accounts, CreditFresh hires debt collectors and incentivizes them to be aggressive and relentless. CreditFresh debt collectors have often violated the law, particularly the Fair Debt Collection Practices Act (FDCPA) consumer protections. But you can defeat CreditFresh even if they sue you, or you can settle the debt for good before going to court.
If you’re preparing to form a limited liability company (LLC), before you do so, you’ll need to select a registered agent for your LLC. All states require that you disclose your registered agent information on your LLC formation documents. While you can elect to be your own registered agent, many entrepreneurs choose to hire a registered agent service. A registered agent service offers many benefits and provides a level of protection for your LLC. Here, you’ll find details of how a registered agent service can protect your LLC, and what to look for in a registered agent service.
In this article, we’ll explore the pros and cons of credit cards so you can make smart and informed choices, with a few tips for responsible use to avoid the pitfalls of spiraling credit card debt. And if you’ve already been sued for credit card debt, we’ll show you how you can settle the debt for good.
Do you want to avoid getting calls and messages from online debt collectors? Are they harassing you for the debt you didn’t owe or paid already? Do you want to know how to protect yourself from such scams? Learn how to use a computer or Macbook correctly and get applications that will keep you safe. Already sued for debt? Settle the debt before going to court with SoloSettle.
Summary: You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. The following is a transcript for one of our webinars. In it, SoloSuit's founder George Simons responds to live questions from consumers. Disclaimer: this post is not legal advice. George is not a lawyer.
You can use SoloSuit to respond to a debt lawsuit, file a Motion to Compel Arbitration, or settle the debt before going to court. Join our live webinars to ask your own questions about how to resolve a debt lawsuit. The following is a transcript for one of our webinars. In it, SoloSuit's founder George Simons responds to live questions from consumers. Disclaimer: this post is not legal advice. George is not a lawyer.
Merrick Bank offers secured and unsecured credit cards to people with poor credit who want to increase their credit scores. People recovering from bankruptcy or other adverse financial events often use Merrick Bank to help them bounce back and improve their credit history. While signing up for a Merrick Bank credit card can be beneficial, people sometimes have trouble keeping up with their payments as they intended. In other cases, they may find that the credit card doesn’t provide the advantages they hoped for. Whatever the reason, a current client may cancel their credit card with Merrick Bank.
If you’ve recently purchased a used car from Carvana, Drivetime, or another dealership, you may have a Bridgecrest loan. Bridgecrest offers high-interest auto loans to people with poor credit. They partner with dealerships nationwide, which connect customers with Bridgetime when they don’t have financing from another lender. Staying on top of your Bridgecrest payments is critical to avoid late fees, extra interest charges, and vehicle repossession. You can make payments through the company’s website by logging into your account. The company also has a payment app you can download through the Apple or Google Play store.
"Hello. This is Linda from Capital One. If you want to know about our offers, please call me at 1(800) 955-6600.” Have you ever received such a message? The number 800-955-6600 may call you multiple times daily, and you might wonder who is calling and how to stop them. 800 955-6600 is a Capital One number.
Since May 1968, the Truth in Lending Act (TILA) has protected consumers when they borrow money from banks, credit unions, and nonbank institutions. Under this federal law, TILA, consumers are protected from unfair lending practices. For credit transparency, TILA ensures lenders disclose the interest rates and fees charged on consumer loans, such as credit cards and second mortgages. Under the TILA, consumers can also rescind certain home equity loans or lines of credit.
Your 8:00 pm dinner date is abruptly interrupted by an unknown caller. You excuse yourself to take the call. The insurance company sales representative is annoyingly persistent. Your voice betrays the irritation you are trying to hide, so you hang up. "This has got to stop!" you tell yourself. Sound familiar? If so, you’re not alone. Many consumers' struggles at the hands of persistent telemarketers. Unfortunately, it is legal for companies to call you at home between 8:00 am and 9:00 pm unless you register on the Do Not Call List.
The Fair Credit Reporting Act (FCRA) protects you from inaccurate credit reporting. So, you can dispute any mistake you find on your credit report. Contesting an error is crucial because the report affects your ability to borrow money, buy a home, and find employment. Launching an official dispute with the major credit reporting bureaus is relatively simple. But you must keep track of what transpires. In 30 days, the agency should complete the investigation and post its findings.
SoloSuit's founder George Simons responds to live questions from consumers. This post is not legal advice. George is not a lawyer.
A bad credit score can make it difficult to do anything involving a loan or credit extension, including renting an apartment, qualifying for a mortgage, or obtaining a credit card. Sometimes, bad credit can even prevent you from getting a job. When people find themselves in the unenviable position of needing something but having a poor credit score, they sometimes turn to credit repair companies for help. However, most credit repair organizations are scams. They offer quick fixes that usually don’t work, all at an additional cost to you.
Merrick Bank will watch your account activity for 7 months to decide if you are eligible for an increase in your credit limit.
Small businesses that do not want hard credit checks or do not have excellent scores may prefer merchant cash advances. These lenders offer expensive funding but are fast and have a straightforward application process. Bitty Advance has successfully set itself up as a cash advance provider since 2018. While many business owners are still new to this type of lending, some are already in trouble. They face unprecedentedly high fees, UCC liens, and bank account freezes. This article discusses what you need to know about Bitty Advance, qualifications for funding, and possible repercussions if you default. We will also briefly discuss how to get out of debt.
Did you know under the Consumer Credit Protection Act of 1968 (CCPA), private creditors cannot garnish your wages at the federal level? Yes. It prohibits your employer from terminating your employment because of a single garnishment and shields a portion of each paycheck from garnishment. Further, your state may adopt more restrictive measures. Many states prohibit private creditors from garnishing more than 25% of disposable earnings or 30 times the federal minimum wage under the CCPA. Further, the garnishing creditor cannot take certain wages that cover your living expenses.
Wage garnishment is arguably any consumer's worst nightmare. Discovering that someone is entitled to your hard-earned money is stressful, then realizing that your employer is now involved in your financial issues increases the stress exponentially. If you are an average consumer already dealing with the high cost of living, it is understandable that you are looking for a way out of the garnishment. Examining South Dakota Codified Laws provides solutions that may work for you. In this article, we’ll review South Dakota’s laws on wage garnishment before we discuss how to object to wage garnishment in South Dakota.
877-366-0169 belongs to Midland Credit Management. As with any legitimate debt collection agency, Midland Credit Management can contact you if you owe money. They may contact you by phone, email, letter, or even in person to collect the outstanding balance. The Fair Debt Collection Practices Act (FDCPA) oversees when and how debt collectors like Midland Credit Management can contact consumers. By law, debt collectors cannot harass, threaten, deceive, or make false representations to consumers.
Is a creditor or debt collector hounding you for money? Finding the cash to repay your bills can be tricky, especially if you’re experiencing financial issues. Unexpected expenses, medical problems, and family emergencies can all impact your ability to repay your debts. While it may be tempting to ignore a creditor until you get on better financial footing, you’re putting yourself at risk for a debt lawsuit and potential wage garnishment. Creditors don’t like it when you ignore them, and they’ll likely step up their attempts to collect money from you. If a creditor or debt collector initiates a lawsuit against you, you must react quickly by repaying the debt, setting up a payment arrangement, or settling the matter. If your creditor wins a debt lawsuit, they’ll obtain a judgment that allows them to garnish your Massachusetts wages.
If you don’t get back on track with your payments, your creditor may decide to sue you or sell your obligation to a debt collector, who will take further action against you. Ignoring the matter can make matters even worse; you may find yourself the subject of a debt lawsuit. Creditors or collectors who win a debt lawsuit against you will obtain a judgment. The judgment opens the door for further legal action through wage garnishment. Wage garnishment allows creditors to take a portion of your weekly salary to satisfy the debt. Garnishment continues until you repay the entire amount due.
A payment deferred means an arrangement where a debtor is allowed to make a delayed payment or payments for an established time period. This can be helpful for those experiencing unexpected financial difficulties due to job loss, medical issues, or unforeseen expenses that have caused temporary financial hardship. It provides temporary relief from debt repayment. However, it usually comes with additional fees and interest charges.
If you are at the garnishment point, chances are high that the creditor first took a debt collection lawsuit against you, which they won. However, you have options if you’re concerned because you’ve received notice of a lawsuit. You can file an Answer to the lawsuit and offer to settle the debt for less than you owe. SoloSuit can help you avoid garnishment. Stopping wage garnishment depends on whether you argue your case well and provide relevant evidence. Today, we will discuss the various ways to stop wage garnishment in Rhode Island and the laws governing the process.
Knowing how to manage your expenses is important all the time, but let's face it: as we age, money management becomes increasingly important. They say that with age comes wisdom. But with age also comes an increasing need for financial security. As we get older, we tend to rely more on our savings and financial investments. This is why money management and budgeting become more important than ever. In this blog post, we’ll talk about some of the best money management tips for seniors – tracking expenses and planning a budget.
When you receive a debt collection notice in the mail, you know trouble is on the horizon. Maybe you know exactly who decided to send your account to collections, or perhaps you’ve long forgotten about your original creditor. However, one thing’s for sure: debt collectors won’t go away until they exhaust all their collection options. If you receive a debt collection notice from Weltman, Weinberg & Reis, prepare for forthcoming letters, emails, and phone calls. The company isn’t going to let you off the hook unless you can prove you don’t owe the debt. And if you get sued by Weltman, Weinberg & Reis, SoloSuit can help you respond in court and settle the debt once and for all.
Consumers with predatory auto loans can seek help from iLending, which aims to help consumers refinance unfavorable auto loans through other companies that provide better repayment terms. While iLending doesn’t offer loans, it acts as an intermediary between customers and lenders like banks and credit unions.
When you’re suffering from grave financial problems and can’t see a path to recovery, you might consider filing for Chapter 7 bankruptcy. A Chapter 7 bankruptcy will erase most of your debts, giving you a blank slate you can use to build better financial habits. However, a Chapter 7 bankruptcy does have some significant downsides. You’ll find it very hard to obtain new credit or qualify for a mortgage for up to 10 years. Buying a new home or a car will be much more challenging, and any loans you qualify for will likely have unfavorable terms, like high interest rates. That’s why many people who file for Chapter 7 bankruptcy use reaffirmation agreements on assets they’d like to keep, such as their vehicle and home.
In the world of personal finance, there’s never a dull moment. There’s always a new strategy for encouraging people to borrow money, whether through payday loans, buy now, pay later “deals,” or seemingly innocuous debt consolidation loans with high interest rates. Tripoint Lending offers a twist on personal credit through its position as a loan brokerage. The company regularly sends special pre-qualified financing letters to selected consumers, advertising sizable loans at low interest rates. However, people who take Tripoint Lending up on its offer don’t always get what they apply for.
Does this situation sound familiar? You’re sitting down to enjoy a family dinner, and suddenly your cell phone starts ringing. You look at your phone, and it’s a number you don’t recognize. You ignore the call, but ten minutes later, your phone starts ringing again from the same number. Debt collectors are famous for using toll-free numbers like 877-591-0747 to harass consumers. The most nefarious collection agencies will call you from a slew of different phone numbers to collect on a debt.
Here’s a truth you’ll need to learn if you currently have bad credit: Predatory lenders exist, and they will use every opportunity available to scam you out of your money if you let them. With bad credit, you’ll find it nearly impossible to obtain a loan from any reputable lender. It’s best to improve your score rather than depend on credit from a shady company. Unfortunately, Celtic Bank is a bit questionable. The little-known regional bank, which has a tiny presence in Salt Lake City, Utah, provides small business loans, equipment financing options, and credit cards for people with bad credit.
It sounds too good to be true. A credit privacy number, or CPN, is often marketed with the promise of a clean credit history. Don’t be fooled. The Federal Trade Commission (FTC) has already labeled CPN offers as scams. Sure, a new credit identity sounds promising, but you could unwittingly find yourself enmeshed in an identity theft operation. Here’s what you need to know about CPN numbers.
When you start preparing to go to college, one thing may be constantly on your mind. How will I pay for it, exactly? Student loans may be the first idea to pop into your mind. But hold your horses and don’t sign the first contract a bank representative offers you! Taking out a loan is a years-long commitment – you’ll be paying it off literally for decades.
Checking your credit score regularly is one of the best financial habits you can practice. How should you feel when you find out your credit score is 600? And what can you do to raise it? The FICO score is the most common metric for measuring consumer credit. Scores range from 300 to 850, with higher numbers indicating stronger overall creditworthiness.
You’ve probably applied for credit at some point and received a denial. A refused loan application will undoubtedly put a tinge of gray on anyone’s bright and sunny day. You likely needed whatever you were applying for, and now you’ll need to figure out how to move on without it. Once a creditor denies you credit, they’ve taken what’s known as an “adverse action” against you. An adverse action is either an outright denial of credit or an approval with less favorable terms than the borrower requested.
If you’re struggling with debt, you’ve no doubt stumbled across Money Management International. The organization offers a variety of financial services, from budgeting help to debt relief. Here’s what you need to know about Money Management International so that you can make an informed decision when it comes to debt management.
Dealing with the IRS can be a daunting task, but it doesn't have to be. The Internal Revenue Service (IRS) has a range of services that can help taxpayers with their tax-related issues. In this article, you will learn more about how to get local IRS tax help in your state in four simple ways.
Bankruptcy will greatly affect your credit score, as it is a worse-case scenario and stays on your credit report for up to 10 years. Debt settlement, on the other hand, can remain on your credit report for up to 7 years, which is less damaging than bankruptcy. So, if you find yourself struggling with debts piling up, debt settlement could be the ideal option to help you resolve debt with the smallest effect on your credit score. Ultimately, choosing between debt settlement and bankruptcy depends on your current financial situation and the type of debt you have outstanding.
When you start a business and form a limited liability company (LLC), you hope that the business will succeed, but the harsh truth is that most startups fail. If you’re in the unfortunate situation of closing your business because things didn’t work out, you’ll have to deal with the debts of the LLC. But how do you handle those debts? Below you’ll find an explanation of your options for how to handle debts when your LLC fails.
The first time they called, it was an annoyance. You answered the phone only to hear a prerecorded message identifying the caller as Capital One. But you didn’t follow the advice to contact the company in return — and ever since then, your phone has been ringing off the hook. How can you stop calls from 800-955-6600? Keep reading to find out.
The wage garnishment process begins when you fail to pay a debt, such as a credit card bill, medical bill, or personal loan. The creditor then files a debt collection lawsuit and wins the case, giving them the right to collect the debt through various means, including wage garnishment. However, debtors in Vermont do have options to fight a wage garnishment. You can object to the order, file a claim of exemption, or negotiate with creditors. Keep reading to learn about these options in detail. But before we dive into it, let's look at the wage garnishment laws in Vermont.
The huge cost of higher education can present a significant obstacle for students. Nonetheless, there are several innovative methods for financing a college degree that can help minimize student debt and promote financial self-sufficiency. In this article, we will examine several of these methods and offer suggestions and tactics for maximizing your chances of success with each method, as well as ethical considerations to keep in mind as you pursue your college financing goals. Keep reading to learn how you can graduate college debt-free.
If you’re reading this article, you’ve likely received a collection notice from Diversified Consultants at some point. Diversified Consultants was a collections agency in Jacksonville, FL, that purchased overdue consumer debts. While the company is now closed, thousands of people were at the receiving end of its collection efforts. Debt collectors aren’t known to be subtle when chasing after you. Most will call you frequently and send you letters until you agree to repay the obligation or set up a payment arrangement. If you ignore a collections agency like Diversified Consultants, it may decide to sue you.
It’s a busy day, and you’re diligently dealing with work responsibilities. Suddenly, your cell phone starts ringing, and 1-800-390-7584 appears on the caller ID. You have no idea who the caller is, so you ignore it. Unfortunately, that doesn’t work, and 1-800-390-7584 calls you seven more times over the next week. If this situation sounds familiar, you’re dealing with a collection agency known as Enhanced Recovery Company.
When you first applied for a credit card or took out a loan, you probably didn’t anticipate any trouble repaying it. At the time, you needed the money and thought you had enough income to make regular payments. Unfortunately, you ran into problems that harmed your financial stability, like losing your job or contracting a severe illness. Creditors note when clients stop paying their bills, and they usually escalate their collection efforts to get them back on track. If phone calls and letters don’t resolve the debt, they may decide to sue you. If you’re the subject of a debt lawsuit, you might consider hiring a debt collection attorney to defend you. However, finding a debt collection attorney in your area isn’t always straightforward.
Is a caller from 800-289-8004 constantly ringing you on your cell phone or bothering you on your home line? If so, you’re probably tired of seeing the same number on your caller ID. You might wonder if you’re a spam target or if the calls are legitimate. The good news is that 800-289-8004 belongs to Wells Fargo Dealer Services, so you’re not the victim of a phone scam trying to extort money from you. The bad news is that calls from 800-289-8004 will probably continue until you communicate with Wells Fargo.
If you are considering filing for bankruptcy, you may be asking yourself, “do I need to hire a lawyer?” The answer is no. You do not need to hire an attorney to file for bankruptcy. You have the option to represent yourself and file pro se. The article offers insights and guidance on how to file Chapter 13 without an attorney.
If a creditor decides to sue you, it’s fed up with not receiving any payments toward your outstanding obligation. The creditor is taking more drastic action; if it wins, it might garnish your wages. Wage garnishment is pretty serious. In wage garnishment, your creditor tells your employer to withhold a portion of your income until you repay your debt. A successful wage garnishment can take a hefty chunk of your paycheck, making it more difficult to pay for other things you need or support your family.
By the time most consumers are dealing with a wage garnishment, their financial situation is typically strained. They have defaulted on loans, have had to respond to numerous collection calls and letters, they may have even attended court hearings and lost. Still, you can use state and federal laws to stop a garnishment. This guide helps you understand Montana wage garnishment laws and how you can use them to your advantage. And if you settle your debt before going to court, you can avoid wage garnishment altogether. Someone could garnish your wages for many reasons, but this article focuses primarily on debt collection judgments.
If you’re facing a debt lawsuit in Delaware, you need to know how to handle the situation and what the repercussions of losing your case could be. In a debt lawsuit, a creditor will try to convince a judge that you owe the money and that the only way to collect it is through a judgment. A judgment allows your creditor to escalate collection efforts through wage garnishment. A wage garnishment order means your employer must withhold a portion of your paycheck to repay your creditor. It’s common to have a higher monthly payment through wage garnishment than in a traditional repayment arrangement, making it harder to afford your other expenses, like rent and groceries.
Credence Resource Management is a debt collector you may hear from if you have an overdue bill with a telecommunications company, utility service, or healthcare firm. The company purchases debts from various clients, including AT&T, Cox, Dish Network, and some healthcare companies, and tries to collect them from consumers. Keep reading to learn more about Credence Resource Management, how it works, and how you can beat the company in court.
Wage garnishments can wreak financial havoc on your life, making paying for other important obligations, like rent or car payments, more challenging. If you have a family, you may find it much harder to provide the monetary support they depend on you for. Is a creditor suing you for an unpaid debt? SoloSettle can help you negotiate a debt settlement.
As a recent college graduate, you might feel anxious about repaying student loans. It can feel overwhelming to consider your debt and how long it will take to pay it off. However, there are steps you can do to properly manage your student loans and streamline the repayment process. You'll find some tips on managing student loans in this article. From creating a budget to refinancing, we'll cover all you need to know to manage your student loan debt. And if you've been sued for debt, we'll discuss how you can settle the debt once and for all. So let's start now!
If you reside in Indiana and are being contacted incessantly by a creditor or debt collector, then it is perfectly understandable if you are feeling intimidated and anxious. You may not be sure how to approach the situation or what steps you can take to address the debt collector. SoloSuit is here to help. This article provides a comprehensive overview of debt collection laws in Indiana, including laws designed to protect you from harassment, intimidation, and deceptive collection practices.
When you take out a loan or a credit card, you assume responsibility for repaying the obligation. Typically, creditors require you to make monthly payments until you repay the debt. If you fall behind on your payments, you’ll start hearing from your creditors through regular phone calls and letters. Whatever the reason for your lack of payments, it’s critical to communicate with your lender to avoid legal repercussions. If you don’t explain your circumstances to the creditor, it will take further action, like suing you for an unpaid debt or selling the account to a collections agency. A debt lawsuit can result in a judgment, which the creditor will use to garnish your wages in Indiana.
Receiving calls throughout the day from the same debt collector, or multiple debt collectors, can be stressful, demoralizing, and incredibly frustrating. Please understand that you do not have to endure this type of inappropriate behavior from creditors and debt collectors. There are laws that prohibit debt collectors from repeatedly calling you throughout the day in an effort to extract repayment.
New Hampshire laws allow you to fight the garnishment order. The options available include objecting to the garnishment, filing a claim for exemption, and negotiating with the creditors. SoloSuit will discuss these options to assist you in choosing one that best suits your situation. Before diving into it, let’s explain New Hampshire's wage garnishment laws.
People who obtain a wage garnishment order against you will receive a portion of your paycheck until you repay your debt. That means you’ll have less money to spend on other needs, like housing, food, and transportation. If you’re having trouble making ends meet now, a wage garnishment will make your life miserable. You can avoid wage garnishment when you settle your debt before going to court.
Receiving notification of impending wage garnishment isn’t just bad news—it’s awful. Despite your objections, a creditor, ex-spouse, tax authority, or other entity will receive a portion of your paycheck until you repay your debt. Wage garnishment can severely hinder your ability to pay your other obligations, like rent and car payments. If you struggled to make ends meet before, wage garnishment will worsen the situation.
Are you facing wage garnishment in North Dakota? If so, you may be feeling overwhelmed and anxious about your financial situation. However, there's hope. Like many other states, North Dakota provides legal options for consumers to stop wage garnishment and regain control of their finances. For instance, North Dakota laws restrict the amount a debt collector can take and the types of income eligible for garnishment. With these laws in mind, you can make a formal request to object to the garnishment or be exempted from paying the full amount in the order.
Suffering from financial problems can cause severe stress and anxiety. You know you need to pay your bills, but you may be unable to. Perhaps you’re out of work or dealing with medical issues. Whatever the cause, you must take action to prevent a debt lawsuit and potential wage garnishment. Creditors will seek to garnish your wages if they win a debt lawsuit against you. A successful debt lawsuit gives creditors a judgment, which they can use to collect money from you until you satisfy your debt.
People struggling with a significant amount of credit card debt, medical debt, and other forms of consumer debt may be contemplating signing up for a debt settlement program or possibly attempting to negotiate a debt settlement on their own with creditors. However, there is a prerequisite that needs to be addressed before considering different debt settlement programs, strategies and techniques. Do you qualify for debt settlement? This article offers insights that can help answer this important question.
If you’ve recently financed a car, you may find that Exeter Finance holds your loan. Exeter Finance partners with thousands of auto dealerships nationwide, helping people buy cars even if they have poor credit or minimal income. While Exeter Finance can help you obtain a vehicle when finding a lender is nearly impossible, you can expect high interest rates that increase the cost of your monthly payments. If you find yourself drowning in debt as a result of high-interest loans with Exeter Finance, debt settlement may be your way out.
The idea behind credit card debt forgiveness is that if creditors can’t get the full amount owed in a reasonable timeframe, they may decide that something is better than nothing and forgive the rest. But debt collectors will only resort to forgiveness in extreme situations, usually after several missed minimum payments. So it’s more about your creditor making the best of an unprofitable situation. The United States does not have a Credit Card Debt Forgiveness Act to regulate debt forgiveness granted by creditors and debt collectors. Regardless, there are many tricks you can employ to reduce your overall debt from credit cards. Keep reading to learn more.
A debt lawsuit is serious, and it’s not something to ignore. If you don’t defend yourself or try to resolve the matter before your court date, your creditor or debt collector will likely win a judgment against you. This judgment gives a creditor or debt collector the right to garnish your wages until you fully repay your obligation. Wage garnishment can eat into a significant portion of your monthly pay. Depending on your earnings, the creditor may seize hundreds or thousands of dollars each month — money you probably need for other obligations. You can stop wage garnishment before it starts by facing the issue head-on. In this article, we’ll walk you through Arkansas laws concerning wage garnishment and explain how to prevent it from happening to you.
There are certain actions that can extend the statute of limitations on debt. Even if one of these actions is done inadvertently or by accident, the statute of limitations can still be prolonged, giving creditors and debt collectors more time to either pursue debt collection or file a lawsuit to try and recover the debt.
Kentucky Higher Education Student Loan Corporation (KHESLC) manages student loans for Kentucky residents, including loan forgiveness programs. A board of directors oversees KHESLC's loan forgiveness program and its overall operations and programs. A borrower's eligibility for loan forgiveness may vary based on the type of loan and their circumstances. As higher education costs rise, student loan debt in the United States rises.
CashPro is a digital platform that lets customers create payments, receipts, liquid assets, investments, and foreign exchange transactions. Many find the platform effective and efficient in managing their finances, making it a popular choice. With CashPro, you can connect via desktop, mobile apps, APIs, and file transfers, bringing convenience and efficiency to the next level.
Debt settlement is an option many consumers choose when they are overwhelmed with debt. It enables debtors to pay less than they owe or get a better payment plan suitable to their current income. While it is possible to settle a debt on your own, hiring a debt settlement company can make the process easier. Debt settlement companies can alleviate the stress of dealing with debt collectors, allowing you to focus on rebuilding your financial health.
Basically, when someone with outstanding debts passes away, the debt continues to survive. An apt description would be “The Walking Debtor.” But before we dive into what happens with debts in the wake of someone’s death and the amount of time a creditor is allotted to try and collect on that debt, let’s go over some basics about time limitations placed on debts.
Follow these steps to get out of a Bridgecrest loan: refinance, sell the car, trade in the car, pay off the loan, and voluntarily return the car.
The Consumer Credit Reporting Act (CCPA) is arguably one of the most important and impactful laws when it comes to financial transactions, consumer lending, debt collection, and other aspects of financial services. The CCPA, which was signed into law in 1968, instituted a number of regulatory restrictions on banking institutions, credit card issuers, debt collectors and so forth. In addition, the CCPA introduced an array of regulatory and legal safeguards that consumers in the United States continue to utilize and access to this day.
Advanced Call Center Technologies is one of the 6,345 Debt Collection Agencies that might contact you for the alleged debt. Despite its name, Advanced Call Center Technologies is a debt collection agency that may violate the FDCPA to collect a debt. Here is a secret you may not know: sending a Debt Validation Letter can stop collection calls.
First Investors Financial Services (FIFS) is a third-party auto loan company in Atlanta, Georgia. It offers automobile loans and leases to consumers looking to purchase or lease a car. The company works with various automobile dealerships across America, providing loans for both new and used vehicles.
A call or letter from Online Information Services (ONLINE) may come as a surprise because it is a third-party debt collector. You did not sign original contracts with them, which may cause confusion about why they are contacting you. If the company has contacted you, it thinks you owe a third-party money and wants you to pay. Online Information Services also develops tools to help providers recover bad debt and increase profits. So you can expect it to have all the resources it needs to track down consumers and coerce them into paying alleged debts.
JCPenney is one of the oldest retail stores in the U.S. Since the early 1900s, JCPenney has defined the retail landscape through its wide variety of offerings, including clothing for the entire family, household goods, and fine jewelry. While the chain has undergone several significant changes in the past few decades, it remains popular for consumers seeking quality goods at fair prices. JCPenney offers its frequent shoppers two credit card programs, which Synchrony Bank oversees. To manage or close your JCPenney account, you must contact Synchrony Bank.
If you’re like many Americans, you turn to Old Navy when you need new clothes. Old Navy is famous for its low prices on comfortable attire for the whole family. Customers can shop for shirts, jeans, dresses, and activewear in various styles and feel good knowing they aren’t overpaying for their purchases. Loyal customers can apply for a Gap Inc. credit card, which clients can use at any store in the Gap family, including Old Navy, Banana Republic, Gap, and Athleta. Barclays Bank Delaware oversees the Old Navy credit card program and has two cards to choose from. If you’re being sued for a debt from your Old Navy credit card, you can settle it for less with SoloSettle.
Mortgages are the most common liens on homes. The property title is in your name when you take out a mortgage. However, the lender has some legal claim to the house until you fully repay the loan. That legal claim is called a lien—an attachment to the home that gives the holder some property rights.
Most homeowners enjoy updating their homes, whether they’re installing a new pool, renovating the kitchen, or adding a water purification tank. However, home renovations aren’t cheap, so many people turn to outside financing for help. Aqua Finance offers loans for home improvement projects like water treatment systems, HVAC units, pools, and spas. To obtain a loan, the homeowner must work directly with a contractor or company that collaborates with Aqua Finance.
Citibank, N.A. administers the Best Buy credit card program. The company offers two cards: a retail store card and a Visa credit card.
Investing in education yields one of the highest returns. But despite its undeniable benefits, it greatly burdens the borrower. Today, graduates are entering the workforce with unprecedented debts from student loans. On top of that, the older population is still paying off loans, even years after graduation. The solution is to get a college degree without student debt. Luckily, there are ways to achieve this goal, and we’ll discuss them in this article.
GPS tracking has become common among employers in various industries, from delivery services to construction companies. This technology brings many benefits, such as automated workflows, improved efficiency, and safety, just to name a few. However, not following the GPS tracking best practices can put employers at legal and compliance risks, leading to serious consequences.
Kohl’s is a popular retail store with hundreds of storefronts throughout the U.S. Many people shop at Kohl's because of its high-quality goods and frequent discounts. The store offers clothing for the whole family, plus home goods, children’s toys, and shoes. Like many retail stores, Kohl’s offers a credit card that consumers can apply for. Capital One, N.A. manages Kohl’s credit card program.
All three major credit monitoring bureaus give credit unions, and other authorized financial institutions, access to consumers' credit reports. They can also perform soft and hard pulls on your credit to pre-qualify or approve your loan application. This article discusses why Truliant works with credit reporting bureaus, which agencies they use, and how these checks affect financial health.
People who still owe money on their vehicles won’t have a clear title. They can’t sell the car to someone else unless they satisfy the remaining loan balance or the buyer agrees to assume the loan. Once the individual pays off their vehicle, they’ll have full ownership. When a lender removes a lien from a paid-off car, it’s known as a lien release. If you’ve been sued for a car loan debt, you can avoid going to court when you settle the debt.
People shopping for vehicles may come across Consumer Portfolio Services. Consumer Portfolio Services offers financing to people with poor credit, low income, or lack of credit history. The company primarily collaborates with independent franchise dealerships that sell used vehicles.
Canceling subscriptions you don’t need can save you money. But what happens if you don’t recognize the name of the organization that charges your credit card? Is ABC Financial one of the companies debiting your account each month?
While the concept of a lien on your assets may sound frightening, liens reassure lenders if you default on your obligations. Without liens, obtaining financing for significant purchases, such as a home or vehicle, would be more challenging. If you are struggling to keep up with your financial obligations and find yourself entangled in a debt lawsuit, SoloSettle can help you settle your debt and prevent liens resulting from a court judgment.
You can recover from a bad credit score, but it usually takes time and diligence. Sometimes, people become desperate and look to credit repair services, like Lexington Law Firm, for help. There are numerous companies in the credit repair industry, and not all of them are legit. Do your research before paying for their services.
Subsidized loans target financially needy students. The amount they can borrow is the enrollment cost minus expected family contribution and other financial aid. Unsubsidized loan applicants do not need to prove that they are struggling financially. Both are low-interest loans when compared to private lenders' interest rates. This article explains which loan type may work best in your situation. First, let's discuss the significant differences between these two types of loans.
Debt is a reality of life, but it doesn't have to be a burden. With the right strategies and financial planning, even those with significant debt can improve their credit score and pay down their debts over time. This article will explore what a credit score is, how to maintain good credit health and the advantages of debt consolidation loans, installment loans, and debt settlement.
LGFCU loan repayment terms range from 12–60 months with no prepayment penalties if the borrower pays off the loan early. Even with reasonable repayment terms, some borrowers get into a rough patch and fail to make payments on time—leading to an unpleasant experience with the debt collectors. For instance, if you receive multiple calls a day from LGFCU, you can send a Debt Validation Letter to stop their calls.
If you based your financial decisions on nothing but solid reviews, you would likely think that LoanMart was a great option. In fact, some consumers took a loan with LoanMart based on these reviews, and instead of getting the fantastic services they read about, they had an unpleasant encounter with LoanMart. To help you get a holistic picture of LoanMart, we will give you more information about them, discuss the customer reviews, and explain what action to take if LoanMart violates your rights.
If you choose to be a pro se litigant, it is crucial to understand its implication and prepare well. This article will give you more information on when to consider representing yourself, mistakes you should avoid, and options to settle the matter out of court.
Credit cards are a lifeline to most American consumers. With them, you can perform safe cashless transactions, buy on credit, receive cashback offers on purchases, and build your credit. Consumers can shop at Macy's and Macys.com using their credit cards. Macy's is not a bank, so someone else has to power these transactions. Enter Department Store National Bank (DSNB), an offshoot of Citigroup. But how does this relationship work? Keep reading to find out.
A debt lawsuit is your creditor’s opportunity to obtain a judgment against you. A judgment allows your creditor to take additional measures, such as garnishing your wages or freezing your bank account. If your obligation concerns property, like a mortgage or auto loan, the creditor may gain the right to seize it. You’ll want to avoid a judgment at all costs. You can do so by settling a debt before your court date. In this article, we’ll explain how to settle a debt in New Hampshire and avoid going to court. Let’s get right to it.
If a creditor or debt collector wins a lawsuit against you, they’ll obtain a judgment they can use to enhance their collections practices. A judgment will allow them to garnish your wages or potentially even freeze your bank account. You’ll want to avoid a judgment and move on from the obligation. The best way to do so is through debt settlement. In this article, we’ll discuss how to settle a debt in Idaho and how SoloSettle can make the process easy and painless.
This article explains how debt can affect you as a homebuyer and lists tips on handling debt in a way that’ll show lenders you can afford a new house. So before you take out any loans, know that doing so can affect your credit rating and capacity to request future loans. Managing your debts and credit score can positively impact your future financial needs and help you avoid severe financial distress.
Global Lending Services helps consumers get auto loans across America. However, consumers have experienced challenges in the debt collection process they use.
Sometimes you can’t afford to catch up with your payments. You may have lost your job or taken on too much debt. If you don’t resume your payments, your creditor will likely charge off your account and sell it to a collection agency. In some cases, the creditor or debt collector will even start a debt lawsuit. Even if you’ve been sued for a debt you owe, it isn’t too late to settle the matter. SoloSettle makes debt settlement simple with a tech-based approach. Keep reading to learn more.
A creditor who starts legal action against you is seeking a judgment. A judgment grants your creditor additional debt collection privileges, like freezing your bank account or garnishing your wages. You’ll want to avoid a judgment since it goes into your public record and can impact your ability to obtain loans in the future. If you’ve been sued for a debt, you can reach out to creditors and debt collectors to negotiate a debt settlement before your court date. With SoloSettle, that process is made easy. Keep reading to learn more.
In this article, we will give you more info on Brite Solutions' debt settlement services and its reviews. If you’re considering debt settlement, you should know that you can use SoloSettle to take matters into your own hands and settle your own debt—for good!
While debt settlement can be a great option if you are struggling with debt, you should take a close look at JG Wentworth’s debt settlement services before enrolling in their program. Alternatively, you can take matters into your own hands and settle your debt with the help of SoloSettle.
A Summons is a legal document that notifies a defendant that a lawsuit has been filed against them and that they are required to appear in court. It generally contains information such as the names of the parties involved, the court where the case will be heard, and the deadline for the defendant to respond to the lawsuit. A Summons is typically served by a process server or other authorized person who delivers it to the defendant in person, although it can also be delivered by mail in some cases.
Even though they have a right to attempt to collect the debt, the law doesn't allow Galaxy International Purchasing to harass or mistreat consumers. Today, we will look closely at Galaxy International Purchasing, the complaints they’ve received, how you can exercise your rights, and what to do after they sue you.
In this article, we will look at how important it is to learn about debt and money early on, as well as how to deal with student and post-graduate debt. We'll also offer more tools for students and teachers who want to learn more about money management and financial skills. Finally, we’ll cover how SoloSuit can help you respond to a student loan debt lawsuit.
Palisade Legal Group has mixed reviews, but it is a legit debt settlement company.
Legal action against a consumer is known as a debt lawsuit. Creditors who file a debt lawsuit seek to obtain a judgment against the consumer, which will allow them to increase their collection activities. A judgment can enable the creditor to garnish a consumer’s wages or freeze their bank account. You’ll want to avoid a judgment and stop further collection activities by your creditor. You can do so through the debt settlement process.
Accredited Debt Relief negotiates lower settlements, but it may not be suited for consumers with high credit scores, low funds, or debts under $10,000.
At SoloSuit, we aim to help you navigate the densely populated, sometimes murky, debt relief industry. Today, we will look at New Era Debt Solutions. Read on to discover if this company is the best fit for you, or get started with the debt settlement process on your own with SoloSettle.
The debt settlement process is simple — the consumer makes an offer, the creditor accepts or counteroffers, the consumer pays once both parties agree on an amount, and the debt is settled. But there are a few other hoops to jump through to avoid any blunders. To settle a debt, follow these three steps: Respond to pending debt lawsuits. Determine how much you can afford, then send an offer. Get the debt settlement terms in writing.
Creditors and debt collectors can pursue debt lawsuits against consumers who don’t repay their loans. A debt lawsuit can result in a judgment, which can lead to wage garnishment, liens on your property, and more. No one wants to deal with the consequences of a judgment. Resolving the issue before your court date is best. You can do so through debt settlement. Keep reading to learn how you can settle your debt in Nevada—once and for all.
When a creditor decides to sue you for unpaid debt, they’ll seek a judgment from your local court. A judgment grants your creditor additional rights to collect on the obligation. They’ll be able to garnish your wages or freeze your bank account. If your property is collateral for a loan, they might seize it. Luckily, there are ways to avoid a judgment and the hassle that it creates. One way is through debt settlement. In this article, we’ll discuss how to settle a debt in Delaware, including state-specific laws and requirements.
If your creditor starts a debt lawsuit against you, they will seek a judgment. A judgment will allow them to reclaim the money due to them by seizing your property, garnishing your wages, or freezing your bank account. You want to avoid a judgment at all costs. To prevent a judgment, you’ll need to settle the claim with your creditor before your court date.
You don’t want to lose control of your finances, so it’s best to repay or settle your debt before your court date. Resolving the matter stops a potential judgment and removes your further obligation toward the debt. In this article, we'll discuss how to settle a debt in Minnesota. Let's jump right in.
If your creditor decides to pursue a debt lawsuit against you, a court may award them a judgment. A judgment will allow the creditor to take more intrusive actions against you, which might include garnishing your wages or freezing your bank account. You don’t want a judgment, so it’s best to resolve your case before it goes to court. You can do so by repaying or settling the debt with your creditors.
Scams are everywhere these days. Whether you end up on a robocall list or receive unwanted, fishy-looking emails, there is no end to the lengths scammers will go to to get between you and your pocketbook. Unfortunately, scammers often use debt settlement and relief to target those in dire financial straits. They prey on a consumer’s vulnerability, trying to convince them they can repair their credit, eliminate their debt, or reduce their credit card balance.
Mandatory arbitration, often costlier than court, is used in creditor disputes. Initiating arbitration might lead to debt dismissal, especially for small amounts.
You’ve likely been on the receiving end of a robocall or phishing email, whether you realized it or not. These minor annoyances can lead to severe repercussions if you take further action, like signing up for their services or giving them access to your data. However, consumers also have another type of scammer to look out for: fraudulent debt settlement companies.
Use our Document Calculator to decide what to do next in your lawsuit.
If you’re looking for help settling your debts, you’ll need to find a company you can trust. There are many debt settlement organizations that make lofty promises but can’t deliver on their results. Some will take your money and disappear forever, while others won’t do anything to settle your debts, leaving you with a poor credit score. One company that offers debt settlement services is Turnbull Law Group. Today, we’ll evaluate Turnbull Law Group to determine whether they’re worth your time.
Debt settlement companies negotiate your debt to a lower amount or get you a better repayment plan. Part of the promise is to get you out of debt faster than you would have on your own. Although Infinite Law Group (ILG) has succeeded in helping thousands of debtors, it has also disappointed many. Keep reading for more information on Infinite Law Group customer reviews. Before we get into that, though, let’s discuss how ILG works.
You can have a justifiable reason for not paying a debt settlement payment. You may have earned enough money through a job promotion or inheritance and prefer to pay your debt in full. That would appeal to you because an account marked “paid in full” is better than one marked as “settled.” On the other hand, you may face more financial difficulties and therefore be incapable of paying the settlement. Whatever the reason, not honoring your settlement agreement has its drawbacks. In this article, we will discuss the adverse outcomes of not paying a debt settlement and help you to make the right decision.
Freedom Debt Relief is among the largest debt relief companies in America. As of 2023, it has settled over 4 million accounts and over $15 billion in debt. Despite its outstanding record, many consumers have had negative experiences working with them. Today, the SoloSuit team will give you more details on Freedom Debt Relief debt settlement reviews. But before we dive into it, let's discuss how Freedom Debt Relief works.
Nobody wants to face a debt lawsuit, but you absolutely do not want a judgment. You can stop a lawsuit from proceeding further by repaying or settling your debt before the court date. Debt settlement is the best option if full repayment is outside your reach. In this article, we’ll explore everything you should know about how to settle a debt in Michigan. Let’s get right to it.
You can attempt debt settlement yourself or work directly with a debt settlement company to keep the process organized. However, before you decide to collaborate with a debt settlement organization, you’ll want to make sure they’re a bona fide company that isn’t going to run off with your money. Eagle One Debt Solutions is one increasingly popular debt settlement service. But should you trust them with your financial future? Let’s find out.
TurboDebt reviews are mostly positive, even though it is a relatively new debt settlement company. Turbo Debt is a partner of National Debt Relief.
The debt relief industry is filled with scams. The most frustrating is when scammers take advantage and dig you deeper into debt while falsely promising you financial freedom and good credit. The Federal Trade Commission (FTC) keeps a close watch and often flags fake debt relief companies. It also helps you, as a consumer, to spot a scam before it is too late. This article will discuss these red flags. We will also explore a better route to take when you are drowning in debt.
Financial planning can be the key to unlocking a secure and stable future. It's never too early—or late—to start building your financial plan so you can achieve your goals and live the life you want. In this article, we will discuss 7 tips for college financial planning. But first, let’s explore why financial planning is so important.
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.
National Debt Relief has great reviews and can help manage and settle debts, but its services involves fees and potential credit score impact.
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 and its recommended by SoloSuit.
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.
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 was once a leading student loan servicing company that ceased operations after exchanging hands and losing several lawsuits.
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.
Settle a Capital One lawsuit by filing an Answer, deciding on a lump-sum offer, and getting a written agreement with SoloSettle's help.
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.
To settle a debt with Navy Federal, respond to any pending lawsuits, decide on a lump-sum payment amount, send an offer, and secure a written agreement.
Typically, you should offer 60% or less of your debt amount to kick off negotiations. Debt collectors might settle for less than original creditors.
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.
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.
To manage Citibank debt, increase monthly payments, consider debt consolidation, or settle by responding to lawsuits and offering settlements.
If you’ve been sued for credit card debt with Chase, you must file an Answer to the lawsuit. Then, you can reach out to negotiate a debt settlement.
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.
To settle credit card debt before court, contact creditors early, negotiate a payment plan or lump-sum settlement, and respond promptly to lawsuits. Consider debt settlement services and, if needed, explore bankruptcy options.
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.
To settle debt with Discover, file an Answer to pending lawsuits, offer a realistic settlement, negotiate terms, and get a written agreement.
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.
Paying a settled debt amount clears the debt but may temporarily lower your credit score, and the forgiven debt is taxable.
Hiring a debt settlement attorney is costly, but you can negotiate debt yourself. Show financial hardship, make realistic offers, and be honest.
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.
Paying off debt in full is best for your credit score and avoiding lawsuits. If you can't pay in full, settling the debt is still a viable option.
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.
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.
Yes, you can settle a warrant in debt before you go to court. If you are being sued for a debt, you should respond to the lawsuit as quickly as possible.
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.
A mistrial occurs when something happens during court proceedings that adversely impacts the outcome of a case.
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.
If you want to start a civil lawsuit, it might be best to look into finding an attorney. If you're the one being sued, you don’t need a lawyer to win your case.
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.
U.S. courts see moral turpitude as shocking, base behavior that goes against morality and violates others' rights
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.