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Sometimes, debt collectors don’t file a lawsuit against you to collect a debt. They may rely on the use of telephone calls, letters, or credit reporting in an attempt to get you to pay the debt.
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When served with a debt collection lawsuit, time is not on your side. You have thirty days from the date you are served with the lawsuit to file an answer.
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During the post-judgment collection process, debt collectors use many tools to find and seize the assets available to them, including bank and wage garnishments.
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The Fair Debt Collection Practices Act (FDCPA) is a body of federal laws to protect consumers from unscrupulous debt collection activities including harassing phone calls and false and misleading communications.
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