Debt Collection FAQs
Can You Serve Someone A Lawsuit at Their Work?
Yes, debt collectors can serve you with a lawsuit at work, but the FDCPA stops them from discussing the case. Respond fast to avoid a default judgment.
Debt collection blog
The Solo debt collection blog. Find helpful posts on how to resolve your debt lawsuit here.
AllFederal Debt Collection LawsCreditEvictionOther Debt ResourcesDebt Collector GuidesPersonal FinanceThe Debt HotlineLegal AidDebt SettlementCase statusDebt Lawsuit State GuidesDebt Collection FAQsStatute of Limitations on DebtWage GarnishmentMedical DebtState Debt Collection LawsStop Collection CallsDebt ReliefDebt Documents and TemplatesBankruptcyArbitration
Debt Collection FAQs
How Does Debt Assignment Work?
Debt assignment refers to a transfer of debt. This includes all of the associated rights and obligations, as it goes from a creditor to a third party.
Debt Collection FAQs
Can a Debt Collector Leave a Voicemail?
Yes, debt collectors can leave you a voicemail. However, they cannot leave a voicemail at the number of your friends, family, or work regarding your debt.
Debt Collection FAQs
Should I Marry Someone With Debt?
Marrying someone with debt doesn't make you liable in most states, but community property states may hold you responsible for debts incurred during marriage.
Debt Collection FAQs
Can a Debt Collector Take My Car in California?
Yes, debt collectors can take your car after a court judgment in California, but $2,300 of equity is protected. Settle or respond to the lawsuit to keep it.
Debt Collection FAQs
How Do I Find Out If I Have Any Judgments Against Me?
To see if a judgment exists against you, use our guide to search your name on your state’s court website and call the court clerk to confirm.
Debt Collection FAQs
How Long Does a Levy Stay on a Bank Account?
A bank levy stays on your account until the debt is fully repaid. Even if your bank account sits at $0, creditors will return to collect from new deposits.
Debt Collection FAQs
Is it Legal for Debt Collectors to Call Family Members?
Debt collectors can call family members only to locate you, not to discuss your debt. Disclosing debt details to others violates the FDCPA.
Debt Collection FAQs
Does Chase Sue for Credit Card Debt?
Yes, Chase will sue over credit card debt. Chase is actually notorious for suing its customers when they fall behind on their payments.
Debt Collection FAQs
Can You Appeal a Default Judgement?
Yes, you can appeal a default judgment by filing a Motion to Set Aside Judgment, explaining the reason you missed your court deadline or hearing.
Debt Collection FAQs
Do I Need a Debt Collection Defense Attorney?
Hire an attorney if you have a valid defense, counterclaim, or if the case involved a lot of money. If amount is small, attorney fees may outweigh the cost.
Debt Collection FAQs
Is There a Judgment Against Me Without my Knowledge?
Check for hidden judgments against you by searching your state court's public case database or pulling your credit report. Judgments may not appear there.