Debt Collector Job

Is this a Real Lawsuit or just a Collection Letter Dressed Up Like One?

With everybody and his brother who work in debt collection threatening legal action it’s a good idea to do a little research before you pay for counsel you may not need. There are many websites that may give you the tools you need to see through a scare tactic or realize you better prepare for court. FreeAdvice.com claims that their "legal content has been prepared and is updated by nationally renown specialists at dozens of leading American law firms, and by other capable attorneys and legal professionals." If your fears are confirmed by the free content they provide, they also have a lawyer network broken down by specialty.

There is no general agreement between consumer advocates, or attorneys for that matter, on what the best course of action may be. Some will say it is best to fight and look for any error that you can exploit to get out of the debt. Requests to have a collection agency demonstrate that the debt is really yours in a way that withstands a test in court sometimes results in the debt being dismissed. However, if it is the original lender bringing the court action, it is likely they will have the appropriate paperwork to prove that the debt is owed and you may find yourself also owing court costs and legal fees.

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