DEBT COLLECTION DEFENSE

Have you been sued by a credit card company, a medical provider or on a bank loan?
Can’t or don’t want to declare bankruptcy?
We can help you.

These cases are much more about economics than the law, and you turn the economic factors to your advantage if you fight. Debt collectors are looking for fast, easy profits. They’ll often go after someone else if you fight.

Take Action: If you do not take action, the company will almost certainly get a judgment against you for everything they want. Whether they should have any right to it or not. No one will tell you that the company has gotten a judgment against you. Not until it’s too late for you to stop it. You will find out about the judgment when the company “executes” on the judgment. That means when they either seize the money in your checking account or garnish your wages.

Discounted Debt

Many of the people reading this are being harassed or sued on debts that are several years old. They may have never heard of the company suing them before the summons arrived. There are a lot of these companies around. There are dozens of others like them, here and everywhere. And there will be more all the time. Assignment (selling) and suing on old debt is a multibillion dollar industry, and it is growing rapidly.

The debt companies are virtually never prepared to prove any part of their cases at the time they file suit. There isn’t much reason to believe they can prove many of their cases. But that is not to say they could never prove any case if put to the test.

They are seldom put to that test, however. It wouldn’t be cost-effective in most cases for them to pursue the case if the defendant contested it.

In other words, if forced to prove their case, the debt companies usually find it unprofitable to do so whether they can actually do so or not. It costs more in legal fees to do the legwork than they will ultimately collect if they win.

And in terms of opportunity cost, the price is much, much higher, since every hour spent in actual litigation costs them numerous cases that don’t get filed and defaulted on.

If you have been sued by a creditor, call us for a free consultation at (248) 347-4435

DEBT COLLECTOR HARASSMENT

ARE YOU BEING HARRASSED OR BULLIED BY DEBT COLLECTORS?

Here are some common ILLEGAL tactics used by debt collectors

• Calls to you at work
  
  
• Calls to you at home at late hours.
  
  
• Threats to notify your employer or other parties that you owe the debt.
  
  
• Threats to sue you.
  
  
• Threats or abusive language
  
  
• Contact or calls with neighbors or family

WE OFFER FREE REPRESENTATION (No attorney fees)

Did you know that debt collectors can be liable to you for money damages AND YOUR ATTORNEY FEES?

That’s right, A FREE ATTORNEY. If we take your case, we make the debt collector pay your attorney fees. It’s the law.

Did you know that debt collectors may be liable to you for damages? The same people calling you at all hours of the day, sending threatening letters may be liable for thousands of dollars in damages, payable to you.

Debt collection agencies pay very little to purchase your debt. In many cases they intimidate people like you into paying them.

These companies, however, frequently violate the law by engaging in abusive and harassing practices, and by threatening you, or calling you at work.

In addition, in some cases debt collection agencies have no legitimate claim to the money they claim you owe them. In some cases, they did not legitimately buy the debt they claim they are collecting. In other cases, their record keeping is so bad that they may lack the proof that you owe the debt.

When they do, we document those abuses, and we use them to litigate claims against debt collectors on your behalf. In addition, we require that creditors and debt collectors prove that they own the debt, and that you owe the debt. Their failure to respond to our demands may stop their legal claims against you in their tracks.

We also use powerful tools available to you as part of the Bankruptcy process to stop abusive practices, stop the relentless calls, stop the harassment, and get your life back in order.

If you have been sued by a creditor, harassed by a debt collector or if you are considering filing for Chapter 7 or Chapter 13 Bankruptcy, call us for a free consultation at (248) 347-4435

We are here to help you.  For more information about Debt Collection Defense and Bankruptcy or to retain The Skore Law Firm- call us at (248) 347-4435 for a free consultation. Payment plans are available, and as always you are under no obligation to retain our services and our advice during the consultation is free.