Zee Law Group is a rather small law firm, but it can cause big problems for debtors. This debt collector is known for engaging in a number of abusive collection tactics, up to and including filing lawsuits. If you’re like many debtors, you’re probably wondering if you have any options for debt settlement with Zee Law Group.
It’s time to give the debt settlement team at The Fullman Firm a call. Our attorneys work on behalf of Californians who are faced with insurmountable debt. Whether you’ve been sued by Zee Law Group or you’re just starting to receive phone calls and letters from them, we have solutions that save you time, money, and stress.
Who Is Zee Law Group?
Located in California, Zee Law Group is a relatively small debt collection law office. The firm represents creditors against individuals who hold consumer debt accounts, such as credit cards. Like most debt collectors, it uses standard collection practices such as calling debtors. However, because it’s a law firm, Zee Law Group is highly likely to take a debtor to court if it cannot obtain payment. According to its website, the firm often files lawsuits within 24 hours of being instructed to do so.
Numerous complaints have been lodged against Zee Law Group over the years alleging abusive and illegal collection activities. Some examples are:
- Failure to afford debtors their rights under the Fair Debt Collection Practices Act (FDCPA)
- Failure to identify themselves as debt collectors
- Harassing and intimidating behavior
- Unfair and unconscionable collection practices
- Using false, deceptive, and misleading means to attempt to collect a debt
What Are Your Rights As A Debtor?
Under the law, debtors have the right to be treated with honesty and fairness. The law protects you from such unethical collection tactics as:
- Calling debtors at unreasonable hours of the day or night
- Calling debtors at work after being told not to
- Using profane, obscene, or threatening language over the phone
- Discussing an individual’s debt with his or her co-workers
- Failing to identify themselves as debt collectors
However, not all collectors respect these rights. In fact, many of them knowingly pursue individuals who don’t owe anything in hopes they will get confused and pay anyway.
What Happens If Zee Law Group Sues Me?
Zee Law Group will likely sue you if you don’t pay. Debt collection lawsuits are initiated by filing a complaint and summons. The complaint includes factual statements alleged against you, such as your identity and how much you owe. These documents often contain mistakes, such as falsely identifying individuals as account holders. Read the complaint, identify any errors, and direct them to an attorney.
The summons is a document that tells the debtor to answer the complaint. Most debtors have 30 days after being served to file an answer. Certain information must be included in the answer and it has to be filed and served in accordance with various court rules. You should therefore retain an attorney to answer any debt collection lawsuit.
It’s not a good idea to try to evade service, because the law allows for debt collectors to effectuate service against individuals who are difficult to locate. Dodging service just delays the inevitable and ensures you will owe more due to interest on the debt.
A Lawsuit Is Just The Beginning
If you actually owe the debt for which you’ve been sued, Zee Law Group will obtain a judgment against you. The company can use this to garnish your wages and take money out of your bank account. It can even place a lien on your property. Court judgments also include other costs such as attorney’s fees. But even if a judgment has been entered against you, debt settlement can help.
Hire The Right Attorney
Although judgments help debt collectors get what they want from debtors, not all debtors have the means to pay. Some go bankrupt, while others disappear. Many collectors, including Zee Law Group, are happy to get anything. This is where hiring an attorney can give you some leverage.
Judgment settlement usually involves making a lump sum payment that is less than what you owe. In exchange for this, the debt collector agrees to wipe out the balance. It is strongly advised that you work with an experienced attorney to settle your judgment. Collectors often use dishonest tactics that trick debtors into thinking they’ve settled their accounts when they really haven’t.
A classic example of this is where the debtor calls the collector and works out a settlement over the phone. The collector takes the money and promises to cease all collection activities. The debtor believes he or she has saved money, but a few weeks or months later, the collector comes back and demands the balance. The debtor doesn’t have proof that the collector agreed over the phone to accept less than the total balance, and is stuck owing it.
We Have Solutions That Work for Zee Law Group Debt Settlement
At The Fullman Firm, we are well aware of these and other tricks. We also understand the debt settlement process because we have dealt with collectors like Zee Law Group for years. Our firm can negotiate a settlement that really saves you time and money, and helps you get rid of Zee Law Group once and for all. Ready to get started? Give our team a call today.
