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FREE Debt Collection Consumer Education Clinic! Volunteer attorneys educating the public about debt collection lawsuits May 29, 2012 June 12 & 26, 2012 July 10 & 24, 2012 August 7 & 21, 2012 5:30-7:00 pm Decatur Branch of the DeKalb County Library. 215 Sycamore Street,Decatur, Georgia 30030 Are you struggling with debt? If you have been sued […]
On June 1, 2015, Channel 2 News aired a news segment by Clark Howard on the importance of standing up for yourself when faced with a debt collection lawsuit. DeWoskin Law Firm’s Jill Sheridan was featured on the story as a consumer who once faced a debt collection lawsuit by a debt buyer in Gwinnett […]
What is the statute of limitations on a credit card debt in Georgia? The short answer to this question is six years. The Court of Appeals of Georgia determined that credit card agreements are contractual obligations and Georgia law provides a six year statute of limitations on lawsuits based upon contracts. This means that starting with the date […]
Many individuals contact my firm with confusion as to why they are being pursued for a debt that was charged off by the original creditor. Often times, the charged off debt for which they are being pursued is by a debt buyer who purchased the debt from the original creditor or another debt buyer. Just […]
A while back, the Association of Credit and Collection Professionals, or ACA International, released an article dispelling myths about consumer debt collection. Read the article here. The article addresses four “Myths” regarding debt collection. Of course, the smart consumer must consider the source of the information as well as the motives at work in this “public service […]
U.S. Vows to Battle Abusive Debt Collectors – NYTimes.com. It’s about time for regulators to take more notice of these issues. Many debt collectors, and first party lenders, have engaged in fraudulent and abusive practices with little to no oversight or accountability. I am skeptical about what impact the Federal Trade Commission and other regulators […]
In the consumer work that I do, I repeatedly hear about abuses that people are subjected to by debt collectors without any respect for the rule of law and without any sense of common decency. I am frequently asked by clients, friends, colleagues, and others what are some of the ways that people can protect […]
A garnishment is a collection action that takes place once a party to a lawsuit has a judgment against a defendant. This means that there was already a case and it was already lost. People cannot be garnished just because someone says they owe money. It is only after there is a judgment that a […]
Debtor’s Prisons and “Attachment Bonds” In Georgia, you will not go to prison or be held criminally liable for owing money. This is true provided that the debt is not the result of some criminal scheme or owed as restitution for injuries or damages caused by a crime for which you are convicted. This means […]
Default Judgments A default judgment is what a plaintiff can get when a defendant is validly served with the lawsuit under the law, but fails to timely file an answer. An answer to the lawsuit must be filed within 30 days of service (there is one exception to this: when a lawsuit is filed and discovery is […]
