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