“I just got sued — what is a debt collector or debt buyer?”
“Why am I being sued by some company I have never heard of like Midland Funding, LVNV Funding, Portfolio Recovery, etc?”
A “debt collector” is a company which collects debts and is not the original creditor.
A “debt buyer” — examples above — is a company that claims to have bought your old debt and is now suing you for it.
Remember there is a big difference in claiming to own the debt and proving in a court of law that it owns the debt.
Make sure you answer your lawsuit before the deadlines:
- 14 days from when you were served if sued in Small Claims or District Court; and
- 30 days in Circuit Court.
Contact us if you’re dealing with a debt buyer.
We have a free information package we can send you.
We represent consumers all over Alabama.
You can give us a call us at 1-205-879-2447.
Or you can fill out our online contact form and we will be happy to chat with you.
For further research:
- Sued by LVNV, Midland, or Portfolio Recovery?
- Contacted by the collection lawfirm of Zarzaur & Schwartz in Birmingham, Alabama?
- Sued by a debt collector (debt buyer) in Circuit Court? Find out your options now
- Why is the collection lawfirm of Holloway & Moxley contacting me by phone or in writing?
- Are Alabama consumer lawyers alchemists in turning bad situations into good ones?
- Suing you after the statute of limitations expires normally violates the FDCPA
- Sued by a debt collector?Check out our FAQ.