1. It’s Less About the Debt and More About You
2. Know and Show Your Debt
- LexisNexis (https://consumer.risk.lexisnexis.com/)
- Clarity (https://www.clarityservices.com/support/file-disclosure/)
- DataX, which is affiliated with Equifax (https://consumers.dataxltd.com/assets/pdf/datax_consumer_report_request_aa.pdf)
Click HERE to Learn More About Debt Collection Lawsuits
3. Address Your Debts
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.
Get Help with Debt to Pass Your Security Clearance Requirements
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.