Debt Collection FAQs
Can Debt Collectors Leave Voicemails?
Yes, debt collectors can leave you a voicemail. However, they cannot call your family, friends, or work and leave a voicemail regarding your debt.
Debt collection blog
The Solo debt collection blog. Find helpful posts on how to resolve your debt lawsuit here.
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Credit
3 Crazy Credit Card Debt Stories
A yoga class bill led to arrest, a layoff caused credit card default, and medical bills snowballed... These debt stories show how small debts can spiral fast.
Legal Aid
What If an Order for Default Was Entered?
If an order for default was entered in your debt lawsuit, you can file a motion to set aside judgment to get another opportunity to respond and defend yourself.
Debt Collection FAQs
Can I Pay a Debt Before the Court Date?
Yes, you can pay a debt before your court date. You can negotiate and settle at any stage of the lawsuit. Settling before court can lead to voluntary dismissal.
Debt Collection FAQs
Can You Go to Jail for a Payday Loan?
You can't go to jail for unpaid payday loans, but skipping a court date for a debt lawsuit can lead to a contempt-of-court arrest warrant.
Debt Collection FAQs
Can a Collection Agency Charge Interest on a Debt?
Yes, debt collection agencies can charge interest on a debt if that interest was outlined and included in the original agreement.
Wage Garnishment
How Long Does It Take to Get Garnished Wages Back?
Any money that was garnished 90 days before your bankruptcy filing should be returned. The process may take weeks or months to finalize.
Legal Aid
Why Is the Sheriff Looking for Me?
If a sheriff is looking for you, there could be a warrant out for your arrest or they might be trying to serve you court documents for a civil lawsuit.
Debt Collection FAQs
Can a Collection Agency Add Fees on the Debt?
Yes, debt collection agencies can add additional interest and fees to your overall balance, especially if you've been sued. This could include legal fees too.
Legal Aid
Motion for Default Judgment - Everything You Need to Know
A Motion for Default Judgment asks the court to rule for the plaintiff because you didn't respond. File a Motion to Set Aside immediately with a valid excuse.
Debt Collector Guides
Sued by Barclay for Debt Collection – How to Resolve Debt
Act fast if Barclay sues you—respond to avoid default judgment. Negotiate a settlement or use tools like SoloSettle to resolve debt and protect your rights.
Debt Settlement
How to Settle Debt for Pennies on the Dollar
Settle debt for pennies on the dollar by waiting for the debt to age, dealing with debt buyers (who paid 4-10 cents), and offering a lump sum to settle.