Protecting Consumers in Georgia.

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(770) 714-1404

When is a debt too old to collect?

If a debt collector intends to sue you to collect on a debt, there is a period of time the law allows for the debt collector to do so, otherwise, you will have an absolute legal defense to the claim. This period of time is called the statute of limitations. The particular statute of limitations that applies to certain debts depends on state law and on the type of lawsuit the debt collector files. In Georgia, a lawsuit based on a contract (like a credit card contract) must be filed within six years from the date of...

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Debt Buyers who frequently sue in Georgia

Generally, a debt buyer is a company that purchases debts that are considered to be uncollectable by the original creditors (the lender or bank that originally loaned the money). Read more about debt buyers here. This is a list of the debt buyers who frequently file lawsuits against consumers in courts throughout Georgia: Portfolio Recovery Associates, LLCMidland Credit Management, Inc.Midland Funding, LLCLVNV Funding, LLCCavalry SPV I, LLC Unifund CCR, LLC IF YOU ARE BEING SUED BY DEBT COLLECTOR OR ARE RECEIVING LETTERS OR CALLS REGARDING A DEBT ALLEGEDLY YOU OWE, GIVE ME A CALL TO DISCUSS YOUR OPTIONS.  THE CALL IS FREE...

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Getting Served with a Debt Collection Lawsuit

If a debt collection lawsuit has been filed against you and you learned about the lawsuit when your mailbox filled up with letters from attorneys telling you about it, you probably have not been served with the lawsuit yet.  It is important that you understand what it means to be served with a lawsuit and know what to do when it happens.  What does being “served” with a lawsuit mean? Getting served with a lawsuit, in the legal sense, means being formally notified that a lawsuit has been filed against you.  Generally, when you are served, you are considered to be on notice that the plaintiff has...

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Why hire debt collection defense lawyer

Often times, people hesitate to contact or hire a debt collection defense lawyer because they think they may not be able to afford one or that they can simply handle the matter on their own. Yes, you can absolutely represent yourself in a debt collection lawsuit and be successful. I did and I won. However, now that I am a trained lawyer, I look back over my case and see all of the land mines that somehow I didn't step on. The truth is, when you don't have legal experience, you don't know what you don't...

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Surprise, you’re being sued

Finding out you are being sued by anyone, especially a debt collector, is a stressful and scary situation. I know, I've been there. Keep in mind that the steps you take in response to the lawsuit may dictate your financial future for many years to come. Although financial times might be difficult for you right now, they may not always be this way. If you do nothing in response to the debt collection lawsuit, you may be facing a default judgment that will be collectable down the road when your financial situation starts looking better. ...

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