A debt collector calls you and threatens you with wage garnishment if you don’t pay them.
Knowing the difference between a debt and a judgment is important.
We’ve all been going through this pandemic. We’ve seen the damage done to the economy.
We know that having a collection account on your credit report has a negative impact on your FICO score.
You settled a debt and now you are still being collected on for that debt.
Recently, during one of our live Q&A sessions on our Youtube channel, a viewer from Billings, MT told us about his success in dealing with a collection lawsuit. He disputed the debt, as we discuss in many of our posts, and received papers dismissing the case.
For many years, we have had a form dispute letter available on our website.
Recently, I spoke with someone who had multiple relatively small collection accounts on their credit reports, and they needed to get rid of these accounts.
You’ve been sued by a debt collector and you show up to trial. You always need to show up to trial unless you have a lawyer.
Alabama Consumer Law Blog