Cory Clements and Ashton Anderson

We Treat Clients And Their Cases As They Really Are: Real People With Real-Life Problems

When Creditors Harass: Abilene Debt Collection Defense

Are your creditors or debt collectors aggressively pressuring you to pay, or are you being sued on a debt? Do not wait until the judgment is entered against you. There are laws to protect consumers against harassment and abusive debt collection practices. Our consumer protection lawyers at AndersonClements, PLLC, in Abilene, can provide debt collection defense and protect your rights.

When Creditors File Lawsuits

If you are being sued for an unpaid debt, it is likely for the full balance of the account, plus attorney’s fees, plus court costs, plus post-judgment interest. If you do not take any action, the court can rule in your creditor’s favor without even hearing your side of the story. It is very possible that the creditor will obtain a judgment against you.

When a judgment is entered against you for a debt, it can leave you feeling helpless and angry, especially if you never tried to stop it. However, if timely action is taken, it may be possible to avoid a large portion of the fines and fees, if not the entire claim altogether.

What Are Your Best Options Against Aggressive Debt Collection Tactics?

Every case is different. There are several factors that can determine what options are available to you and which options are in your best interest, including:

  • Which creditor, debt buyer, or law firm is pursuing you
  • The age of the account or debt
  • The amount of the debt that the collector claims you owe
  • If a lawsuit has been filed and which court it was filed in
Depending on these and other factors, it may be possible to successfully defend the debt in court. It may also be possible to settle your account for a discounted amount. Depending on your total financial situation, a bankruptcy filing may aid in resolving the issue in addition to getting you on a path toward financial freedom. The options available to you will depend on your personal situation.

Contact A Debt Defense Attorney Today

We offer consultations for prospective clients. To schedule an appointment to discuss your specific situation, you can call our office at  325-899-3638. You can also reach out to schedule through our firm’s contact form.