Taking Action: Handling Debt Collector Threats

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Generally, debt collectors are prohibited by law to threaten delinquent debtors with anything that they cannot legally do. They cannot threaten you to take your house unless they hold a mortgage on your home, they cannot threaten you with harsh language, intimidation tactics, name calling or freeze your bank account.

If you feel that your debt collector has crossed the line, you need to keep a good record of any and all threats made. Every interaction, conversation, phone calls must be documented. If you are in a position wherein you cannot take notes of any conversation with your debt agent, it's best to not answer the call or engage in the conversation.

When to Consult an Attorney

If you got served with a court summons, it is recommended that you seek the counsel of an attorney. Ignoring the summons will not make the problem go away. If you fail o respond to the summons on time, your creditor will be granted default judgment, which will allow them to legally garnish your wages or levy your bank account. An attorney can help guide you on how to handle the lawsuit and respond correctly. Additionally, you need to familiarize yourself with local court rules and get as much information as you about defending yourself Pro Se in court.

Stop the Harassment

You have the right to stop the harassment from a third-party debt agent at any time you choose. You need to create a Cease and Desist letter, indicating that you no longer wish to be contacted about your debt. The collector can send you one more letter to let you know what their game plan is and that's about it. However, do note that you might be contacted for the same debt by a new debt collector assigned to your case.

The fact is, thousands of debtors fall victim to aggressive collection efforts applied by debt collectors who want to shame or intimate them into paying up. The question is, will you let them get away with it? Will you let junk debt buyers or debt collectors step on your rights? You need to stand up for yourself and stop the madness. Don't let your debt collector bully you into paying. Learn how to fight for your rights and turn the tables around!

Credit card debt collectors are notorious for unethical practices and aggressive collection efforts. Don't just let them get away with using scare tactics to get what they want. You need to set aside your fears and fight for your rights to win your case.

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Court Summons for Credit Card Debt: Take Immediate Action

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If you received a court summons for credit card debt, you are probably wondering when and how to start addressing the problem. The simple answer would be to answer the court summons for credit card debt right away. Generally, debtors are given 20 days to respond to a summons and failure to respond on time means your creditor will win their case against you and will gain legal rights to freeze your bank account and garnish your wages!

If say, you failed to answer the court summons within the given period and a judgment was filed against you, for any reason, what is there left to do? How can you stop your creditor from legally hijacking your bank account and collect your wages?

You need to file a Motion to Vacate the Judgment.

By filing a Motion to Vacate the Judgment, you are given a chance to give your reasons as to why you were not able to answer the court summons for credit card debt on time. Basically, you are asking the court to dismiss the judgment ruling and start all over again. In most cases, you will probably receive a court hearing and the plaintiff (your credit card company's attorney) will not even show up, and get the case dismissed.

On the other hand, if you have a good reason for not answering your court summons for credit card debt the first time, do not think twice and start filing the Motion to Vacate the Judgment. If you failed to ask for a second chance and the ruling goes in favor of your creditor, you just gave your creditor the green light to take all your savings straight out of your own bank account and your paycheck to boot. And these guys don't mess around either. As soon as they get a default judgment on you, they will access your bank account, get your personal, employment and banking information, garnish your wages and put liens on your properties!

This is why you need to draft an Answer once you got served with a court summons for credit card debt or review local court rules to learn what steps you need to take in order to win the lawsuit and prevent your creditor from getting the information they need to find out where you work or where you live because from there, they could start harassing you with persistent phone calls or even hound your neighbors.

Learn how you can handle credit card lawsuit on your own and WIN your case! This groundbreaking eDocument will help you end all debt claims and fight a credit card lawsuit! Visit http://answeringasummons.com/ for more information.