Can you sue bill collectors

Does a debt collector need a license? Last reviewed. Last revised. Collection proof letter Easy Form. A program to help you tell a collection agency that a debt is exempt from collection under the federal law. Credit card or debt buyer affidavit for collection actions Blank form. A sample of the form that you can use to create your own version. Use this form if you are being sued for a credit card debt or if you are a debt buyer.

Emergency motion to claim exemption Easy Form. A program to help you ask the court to access money in a frozen bank account. Learn more. Credit and debt issues. Asking for a payment plan. Coming up with a debt payment plan. Stopping creditors from contacting you.

Is bankruptcy right for me? Money and property debtors can protect from a debt collector. Legal Comment Legal Comment. I received a summons from a debt buyer and had responded with an answer. In the answer I had requested proof of a signed agreement with my signature.

The debt buyer has never complied. Each time they send me the same bogus copies.. Now the case is going to trial. It is a good idea to keep a file of all letters or documents a debt collector sends you and copies of anything you send to a debt collector. Also, write down dates and times of conversations along with notes about what you discussed.

These records can help you if you have a dispute with a debt collector, meet with a lawyer, or go to court. The CFPB has prepared sample letters that you can use to respond to a debt collector who is trying to collect a debt along with tips on how to use them. The sample letters may help you to get information, set limits or stop any further communication, or exercise some of your rights.

The United States has laws against debt collectors harassing you. You have the right to be left alone, and make some easy money in the process! We review your situation for free to determine if your rights have been violated and we will connect you to an award-winning attorney. The Fair Debt Collections Practices Act protects consumers from harassment and privacy violations by bill collectors.

Congress wanted to regulate how debt collectors, companies that collect debts for another company, can contact and collect past due accounts. Prior to the FDPCA, debt collectors were able to use harassment, intimidation and outright scare tactics to collect debts. Not anymore. As previously mentioned, working with a debt attorney can maximize your chances of defending yourself and winning the case.

Even if the debt does belong to you, you may be able to get a judgment against the collection agency if they broke laws in their efforts to get you to pay.

If the collection agency ends up winning, showing up helps you avoid a default judgment and give you a chance to plead your case. With these steps, you can improve your chances of having the court rule in your favor or getting a settlement agreement. We have decades of experience and can equip you with the information and defense you need to protect your rights and finances. Since , Tayne Law Group has helped countless clients resolve their debts for a fraction of their original amount.

More articles by Tayne Law Group. Save my name, email, and website in this browser for the next time I comment. Tayne, for helping me get out of debt. Your staff did a great job, I was finally able to buy myself a brand new car without using a cosigner. I would recommend your services to anyone.