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Credit card balances, medical bills, student loans, and old judgments can accumulate. According to Federal Reserve data, credit card balances remain the most widely held form of family debt, and defaults are rising.
On top of that, many banks, debt-buyers, and collection agencies operate on assumptions that you won’t defend yourself. As we noted before, banks and debt buyers file thousands of lawsuits, hoping defendants won’t show up.
When you hire a defender experienced in credit report issues and debt defense, you gain someone who will:
It can be terrifying when you see your credit report loaded with negative entries, judgments filed, and calls coming every day. But despair isn’t a strategy. Even if it feels like nothing can change, the truth is that many collectors and debt buyers don’t have solid documentation. Many collection law firms rely on assumptions and default judgments. Moreover, the longer you wait, the more your credit report and financial future could pay the price.
A judgment in a collection lawsuit can lead to wage garnishments, frozen bank accounts, and an inability to get credit, a mortgage, or a car. And if you can get credit when there is a judgment against you, it may be on very unfavorable terms. Hiring a collection defense lawyer to defend you before you go to court can make all the difference.
If you’re staring at a credit report you don’t recognize, or were served with a lawsuit you feel powerless to fight, just know that help exists.
You don’t have to accept the default outcome. Speak with an experienced credit report lawyer and debt defense attorney who will sit with you, look at your case, and help you map a path forward.
