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Debts, regardless of their source, are less of a problem if you admit to them and address them.
If you do owe money, be prepared to show that you have a payment plan and that you’re making payments.
Show what you’re doing to challenge the debt if you’re sued or challenged over a debt you don’t owe. Hire a debt collection defense attorney to defend you.
Guideline F explains that some of the mitigating factors for debt-related concerns are:
(1) The behavior was not recent; (2) It was an isolated incident; (3) the conditions that resulted in the behavior were largely beyond the person’s control . . . (4) The person received or is receiving counsel for the problem and there are clear indication that the problem is being resolved or is under control. . . (6) The individual initiated a good-faith effort to repay overdue creditor or otherwise resolve debts.
The Holland Law Firm is happy to help. Whether you’re being sued for an alleged debt from a car repossession, identity theft, surprise medical bills, or by a former landlord, Homeowners Association a student loan servicer, or a credit card company, the Holland Law Firm can help. Don’t give up. Give us a call. Contact us to set up a consultation appointment.