If I settle with a debt collector, will I be sued again on the same debt?
“I have been sued by a debt collector in Alabama. I want to settle the debt, but I’m afraid I’ll be sued again on the same debt. Is this possible?”
Some people may think this is silly, but this is a legitimate concern.
How could this be, you may ask?
Debt collectors have done this exact thing in the past with other consumers.
Here’s an example.
Let’s say that you owe $8,000.
Then, to settle the debt with the collector, you pay $5,000.
Then after two months, you’re sued for $3,000.
This is illegal.
If you owe $8,000 and you pay $5,000 to settle, then that debt is gone.
If they’re trying to sue you for stilling owing that debt, that’s really bad on their part.
Even if they’re trying to collect on that debt, that’s really bad.
If this has happened to you, you need to sue the debt collector for money damages.
We use the FDCPA (Fair Debt Collection Practices Act) to fight against these guys.
This is a great law that helps consumers in these types of situations.
You may be able to sue for malicious prosecution, which is where someone has sued you in a bogus lawsuit and now you sue them for punitive damages under Alabama law.
Contact Us.
If you live in the state of Alabama and you have any questions about what we’ve talked about in this article, give us a call at 1-205-879-2447.
You can also fill out a contact form and we will get in touch with you as soon as possible.
If you’re in a collection lawsuit, it does make sense to step and ask yourself if you really want to pay them money, or see if there are better options out there.
We will be happy to help you figure out your best course of action, and what options would be best for you.
I look forward to chatting with you!
Have a great day.