BEING SUED BY A DEBT COLLECTOR?
HAS YOUR ACCOUNT BEEN SOLD TO A DEBT BUYER?
Often these agencies, and debt buyers who bought your account for pennies on the dollar, purchase nothing but electronic data and cannot get more. While this is not always so, it is worth your while to get legal advice because not only may the debt be uncollectable but you by these firms may be entitled to damages and attorney’s fees, as well.
Many people believe they have no defenses to debt collection lawsuits if they owed even a portion of the debt being sought. There may be several defenses available to you. You have options.
WHO IS CONSIDERED A DEBT COLLECTOR?
Debt collectors include collection agencies or lawyers who collect debts as part of their business. There are also companies that buy past-due debts from creditors or other businesses and then try to collect them. These debt collectors are also called debt collection agencies, debt collection companies, or debt buyers.
Debt collectors are subject to the Fair Debt Collection Practices Act (FDCPA), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. https://www.ftc.gov/system/files/documents/plain-language/fair-debt-collection-practices-act.pdf
FILING AN ANSWER
You’ll have a short period of time in which to file a credible answer. In Georgia, you have 30 days from the date you are actually served with the lawsuit to file a formal answer in court. If you choose not to file an answer, or you don’t file it in time, or your answer is insufficient, the court will enter default judgment against you. That means the credit card company will be in a position to get court orders for to garnish your wages, levy your bank account, and place liens on your property in order to collect.
There are certain defenses that may apply to your case that you will want to assert in your Answer. The following are a few defenses that may be applicable to your particular situation and should be raised in your Answer.
WE HAVE SUCCESSFULLY LITIGATED AGAINST THE LARGEST DEBT BUYERS AND BANKS IN EVERY COURT IN THE STATE
Our office has represented clients in Magistrate, State, and Superior Courts in Georgia. We have defended clients against the following debt collectors, debt buyers, and original creditors:
CONTACT US NOW TO EVALUATE YOUR LEGAL DEFENSES
If you have been served with a lawsuit from a bank or debt buyer, you have the right to good legal advice and effective representation from the Parker Law Firm.
Find out more. Call us at 770-246-1331 or info@theparkerlawfirm.net and let our experience work for you.
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