Collection Defense - credit cards, finance companies, etc.
Just because you got sued or are being dunned on a debt and think you owe it, you may not.
There are bunches of defenses, amongst them could be does the creditor own the debt, is it your debt, can they prove it is your debt, do they have those records?
A lot of creditors just sue and hope you will ignore the lawsuit. If an attorney is involved, creditors seem to prefer low-hanging fruit and attorneys tend to put the fruit at the top of the tree.
SE HABLA ESPANOL
O tratar de hablar español. Damos la bienvenida a los hispanohablantes a nuestra oficina.
Bankruptcy Law
Consumer Bankruptcy: Chapter 7 (liquidation); Chapter 13 (Payments).
If you do owe the debts and were unsuccessful in defending the lawsuits and now you are being garnished (money taken from your check or bank account), this may be your only option.
Some creditors don’t even need a judgment – like student loans or medical bills through an agency of the government.