If they don’t have evidence, they make it up.
The combative me wants to rear up and fight back.
- Expose credit card collectors for the bad actors they often are.
- Help consumers fight rotten collection suits.
- Preserve the confidence of the public in the court system.
But, the client’s best interest may suggest we shrug, and look at the big picture.
What’s the point?
Service of a collection lawsuit delivers a jolt to the debtor. The sky is falling, they shriek.
But usually, it is just one of many delinquent accounts that files suit. It’s the first volley in the war, but not the last.
It is not as if fighting and winning against a less-than-honest collector will solve the consumer’s bigger problem: they have lots of debts they can’t pay. They are running from brush fire to brush fire, trying to settle.
Take the long view
If you get sued on a genuine debt you can’t pay, use your energy first to assess your over all financial situation.
- What’s the total you owe on unsecured debt, like credit cards and personal loans?
- How close to retirement are you?
- What kind of emergency savings do you have?
- How many people are dependent on you?
Get input from a reliable credit counseling agency, not a debt settlement outfit. Talk to an experienced bankruptcy attorney. Look at all the money issues.
Do it soon, so if defending the collection suit is necessary, you can file a timely answer.
If the problem is bigger than the current, robosigned collection suit, don’t waste precious energy fighting about one debt when the financial tsunami approaches.
It can be painful to look at all your financial troubles, but focusing on just one merely lets the problem fester.
Image courtesy of BadgerGravling