Debt Collector Scare Tatics

Common Myths and Scare Tactics Used By Debt Collectors

DISCLAIMER: We are not lawyers and are not giving legal advice. We strongly recommend speaking to a professional attorney. If you’ve been contacted by a debt collector, you may hear all sorts of claims. If this is your first time, you may not understand your rights – and yes, debtors do have rights! Check out these myths and scare tactics used by debt collectors so you can handle these annoying contacts. Know Your Debt Collector Myth – Believe Everything You Are Told! Debt collectors may be wrong – always double check your records make sure you owe the debt. Dishonest […]

how to respond to a demand letter or summons letter

How to Respond to a Summons and a Demand Letter

Responding To The Demand Letter DISCLAIMER: We are not lawyers and are not giving legal advice. We strongly recommend speaking to a professional attorney. If you get a demand letter, you need to read it very carefully and respond within the time limit set out in the letter. Credit collectors can and do make mistakes. Make sure that the debt is yours or that you are responsible for it. Make sure that the debt amount is accurate. If it is older than three years, check your state (or that state where the debt was incurred) statute of limitations. Each state […]

what is a summons

The Difference between a Summons and a Demand Letter

DISCLAIMER: We are not lawyers and are not giving legal advice. We strongly recommend speaking to a professional attorney. You’ve got a letter from your creditor. What action do you need to take? What is a summons? It depends on what type of letter you get. You may receive a demand for payment letter or a summons letter. They are distinct, and each requires a different level of action. Demand Letter Versus Summons Letter What is a demand letter? A demand letter gives you formal notice that your creditor is considering legal action. It may come from an attorney or […]

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