Collecting time-barred debts and debts discharged in bankruptcy. In January 2007, the Illinois Attorney General sued Arrow Financial Services for attempting to collect debts which were outside the statute of limitations or had been discharged in bankruptcy. The suit also accused Arrow Financial Services of getting bank account information and withdrawing money without authorization. People […]
I get so many emails and comments on this website in regard to these junk debt buyers. The fact that so many of you are fighting them back is great. There are a lot of people out there who are so lost. I will try to explain this as best I can: You opened a […]
Debt collectors like to call and threaten you, saying that you’d better pay up or they will put you in jail, take your money out of your bank account, or sue you, amongst other things. Threats likes these are illegal and in reality, most of them are lies. They can threaten to sue you but […]
The Fair Debt Collection Practices Act (FDCPA) is an act which was added in 1978 and is a United States statute. It is set up under the title VIII of the Consumer Credit Protection Act. The purpose of the act serves to eradicate and eliminate abusive practices in the collection of consumer debts. It promotes […]
Just recently a customer posted a testimonial stating that he used The Defendant’s Package. Here is that post: I had our case dismissed by following the exact instructions found in the materials I received. The only advice I would give to anyone is to not lean on their own understanding in any of this. Just […]
I have hundreds of names of debt collectors and each and every time I look one of them up online, it is nothing but trouble. That should tell you that you can win against a debt collector. Not only you, but thousands of other people get sued by that very same debt collector across the […]
Bombarded with questions about what needs to be signed after discovery is answered? All you need to do is go to your local court rules under discovery or interrogatories to parties, admissions and Request for Documents. Your court will tell you exactly how this should be formatted and that it should be signed by the […]
There are instances when the collection attorney will put down the original creditor’s name as the plaintiff when it is really the collection agency suing you. This is when you can file a dismissal for failure to name the real party in interest. You just can’t assume that what is written on your summons and […]
Have you ever wanted to save some money and use some of those argumentative skills or one year of a pre-law degree towards your own case in court? If you’re willing to work hard and feel capable, you can put forth your best effort at defending yourself in court. People do it all the time. […]
When sending interrogatories off to a junk debt buyer, you should try to list as many as possible. This forces them to work hard which not only costs them money but ticks them off too. They don’t expect you, or want you to come this far. You must include all instructions and definitions pertaining to […]