Defending a Lawsuit by a Debt Collector
Calling the Debt Collector's Bluff
We get several calls per week from people being sued by debt collectors. Typically, these collectors have purchased the debt from the original creditor for pennies on the dollar and are looking to obtain a default judgment against the consumer in order to maximize their profit (default judgments are an automatic "win" for the creditor and they occur when people fail to properly defend themselves). A default judgment can lead to wage garnishments, bank account garnishments, and loss of property.
However, when properly challenged, debt collectors are often not prepared t prove their case. They are caught "bluffing." Many of these companies purchase hundreds of debts at a time. They do not review each claim individually. Their files may be missing important information or documentation. But the only way to "call" their bluff and stop them is to defend yourself.
Even if you cannot obtain an outright "win", you can move the case into a much better settlement position than if you give up and do nothing.
You can start defending yourself with a professionally prepared response and a demand for a copy of the debt collector's complete file for as little as $250 in fees.
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