Debt Collection Defense

financial recovery

Are you receiving collection letters in the mail? Are you receiving frequent phone calls at all hours of the day? Have you received cort papers in the mail saying you have been sued (a Summons and Complaint)?

You are not alone. “The best estimates are that thirty million Americans – nearly one out of every ten of us – came out of the financial crisis with one or more debts in collection, for amounts that average about $1,400 per person.”

WHAT DO YOU DO?

IF THE CREDITOR/DEBT COLLECTOR HAS NOT YET SUED YOU

You have just received a letter in the mail from a debt collection agency. Or maybe you have just received a phone call from a debt collector about a debt you don’t think you owe.

What can you do to make them stop harassing you? Don’t they understand that you don’t owe the debt, that they have the wrong person? Don’t they understand that if you had the money to pay the debt, you would?

There are legal tools available to consumers being contacted by debt collectors under the Federal Debt Collection Practices Act.

Jennifer Leigh Shea will discuss your options with you. If you are ready to talk to an attorney, contact Jennifer Leigh Shea via the contact form, at (256) 756-SHEA (7432), or at jshea@jenniferleighshea.com. She is here to help you.

IF THE CREDITOR HAS SUED YOU

You have just received a summons and complaint from the Court telling you that you are being sued on a past due debt. Sometimes it is expected. Sometimes it comes as a total shock. It is always scary and disheartening.

What should you do? What can you do? How quickly do you need to do it?

You should immediately seek the advice from an attorney. DO NOT PUT THIS OFF. If you do not file a timely response, the Court may enter a default judgment against you. (The Summons will tell you how long you have to file a timely response.)

IF THE CREDITOR HAS A JUDGMENT AGAINST YOU

Does the creditor already have a judgment against you? Are you wondering what the creditor can do to collect? Have you received garnishment paperwork telling you that your paycheck is going to be garnished?

Jennifer Leigh Shea Is Flexible

It can be difficult to take time off work when you are facing financial difficulties. To make getting help as easy as possible, Jennifer Leigh Shea has evening and weekend appointments available.

It can be difficult to pay for legal help when you are facing financial difficulties, Jennifer Leigh Shea has payment plans available.