“Why do I need to bring you a timeline and give you info for our consultation?”
When we have a consultation we need certain information from you including a timeline of what happened when.
Sometimes potential clients don’t want to get us documents — they say, “I have a specific question and I just want you to answer that one question. I don’t need to share any other information with you.”
We respectfully decline to consider letting these folks be… (Read more)
Congratulations for taking action!
Many people do nothing when they’re sued. You’re taking action! You went online. You found this article and video. Maybe you were referred to this video/article by someone. In any case, you are taking action which is great.
Make sure you respond so you won’t get a default judgement.
The number one thing to remember to respond, because you don’t want a default judgement. You must answer the lawsuit. You have 14 days in Small Claims… (Read more)
First off, congratulations!
Most people do nothing when they’re sued. You took action, and answered the collection suit. You showed up at court, and you won your case.
Now is the time to finish the good work you have started.
Some people may say, “Well, I’ve won my case, so it’s over.” No, you’re about halfway done, so you need to finish the deal.
Look into suing the debt collector.
I suggest you look into suing the debt collector who… (Read more)
“How do I settle a collection lawsuit without hiring a lawyer?”
Remember you have 5 options when sued by a debt collector (debt buyer) such as LVNV, Midland, Portfolio, etc.
File bankruptcy
Fight the case on your own
Settle the case on your own
Hire a lawyer to fight the case
Hire a lawyer to settle the case
So let’s talk about option three — settling the case on your own. (I’m assuming you know to file your answer to… (Read more)
What is a dismissal with prejudice and a dismissal without prejudice?
A dismissal with prejudice means the case is over.
That could be because you settled, or it could be because they realize they can’t prove their case and they just drop the case. With prejudice means they cannot sue you again. We have a situation right now where a case was won by a consumer but the debt buyer Main Street Acquisitions sued our client again on the same… (Read more)
“If my bank account is garnished and I have CD’s at that bank, would they be affected by the garnishment?”
The short answer to that is yes. If you’re being garnished (you have a judgment against you) and your bank account is being garnished, then the fact that you have CD’s there, well they’re going to be garnished as well.
Basically, any type of bank account can be garnished after a judgment unless it is any type of exempt funds… (Read more)