Unfortunately, many of us may face litigation over unpaid debts. It has become a reality for more Americans over the last five years than ever before. Job loss, divorce, or any number of other reasons can be the root cause. Whatever the reason you find yourself in this situation, here are a few litigation myths that you should be aware of.

• I have to appear in court on the answer date. No, the answer date is the last day to present a written answer to the collectors suit. This is not a hearing ...

Continue reading ...

Under the Fair Debt Collection Practices Act (FDCPA) of 1978, consumers have protection. This gives consumers the right to sue debt collectors who are abusive. You can sue a debt collector if they do the following:

• Call during strange hours
• Harass or threaten you
• Threaten to sue you
• Threaten to embarrass you by calling family or friends
• Continue to make collection efforts after you told them to discontinue
• Make misleading statements in written collection notices
• Report false information about y...

Continue reading ...