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Are you being sued by a
creditor, bill collector or collection agency on old
credit card debt or a zombie debt? You may have a defense to the
lawsuit.
Just because a creditor or debt collector sues you does not mean that they
are automatically entitled to a judgment. They still have to prove their case. So if you have the time, hire an
attorney to defend your case. Whether you hire us or someone else, it
is better to hire a lawyer than to go it alone. Even though you know the facts
of your case best, you are no match for the crowded courtroom and the
experienced lawyer representing the creditor or collection agency. If
you go it alone and lose, a judgment will be issued against you.
Defending yourself in a zombie debt lawsuit is like taking out your own
appendix. It can be done, but rarely is it pleasant or successful.
The cost of a lawyer may be more than the credit card debt but the
long-term effects of a judgment are costly. If a judgment is issued
against you, the creditor or debt collector can attempt to garnish your wages or your bank
accounts. The judgment can affect your credit rating. It may impact
your ability to get credit. It may impact what you pay for car insurance.
It can affect your job (especially if you have a security clearance) or your
ability to get a new job in the future.
We
regularly defend debt collection lawsuits and can assist you in many ways.
Though we cannot guarantee dismissal of the lawsuit, we can help to try and
prevent a judgment from being issued against you and, as a result, help protect
your wages, your bank account and your credit rating and keep your automobile
insurance rates from being increased. As an example, sometimes a case
can be dismissed because there is a technical defect in the case. This is
something a non-lawyer would overlook or have no idea of its significance.
Sometimes your case must be tried to a judge or a jury. We are familiar
with the rules of evidence and procedures which are used at trial. A
non-lawyer will not have knowledge of these rules.
Please
click here to contact our office if
you are being
sued by a creditor, debt
collector or collection agency. We can help you protect your rights
and we offer payment plans.
Recent Lawsuit Results
Unifund CCR Partners v.
Wharton - Prince George's County
Case dismissed - no judgment
against Mr. Wharton
Worldwide Asset
Purchasing v. Williams - Calvert County
Case dismissed - no judgment
against Mr. Williams
Pasadena Receivables v.
Packett - Anne Arundel County
No judgment against debtor. Settlement
reached: Ms. Packett only required to pay
45% of the amount sued for by
Pasadena Receivables and no payment towards Pasadena
Receivable's attorney's
fees.
Capital One Bank v. Jenkins - Prince
George's County
Case dismissed - no judgment against Ms.
Jenkins.
RJM Acquisitions v. Hawkins - Baltimore
County
No judgment against debtor. Settlement
reached: Ms. Hawkins only required to pay half of amount sued for by RJM and no
payment towards RJM's attorney's fees.
Unifund CCR Partners v. Will - Anne
Arundel County
No judgment against debtor. Settlement
reached: Mr. Will only required to pay 25% of amount sued for by Unifund
and no payment towards interest or Unifund's attorney's fees.
Credit Acceptance Corporation v. Williams
- Montgomery County
No judgment against debtor. Settlement reached:
Ms. Williams only required to pay three-fourths of amount sued for by Credit
Acceptance and no payment towards Credit Acceptance's attorney's fees.
Pun Collections v. Rodriguez - Prince
George's County
Case dismissed - no judgment against Ms.
Rodriguez.
Atlantic Credit & Finance v. Will - Anne
Arundel County
No judgment against debtor. Settlement
reached: Mr. Will only required to pay 40% of the amount sued for by Atlantic
Credit & Finance and no payment towards Atlantic Credit & Finance's attorney's
fees.
Palisades Collection v. Carpenter -
Prince George's County
No judgment against debtor. Settlement
reached: Mr. Carpenter only required to pay 6.5% of the amount sued for by
Palisades Collection and no payment towards Palisades Collection's attorney's
fees.
Bayouside v. Claggett - Baltimore City
Case dismissed - no judgment against Ms.
Claggett.
Unifund CCR Partners v.
Barnes - Prince George's County
No judgment against debtor. Settlement
reached: Mr. Barnes only required to pay
60% of the amount sued for by
Unifund CCR Partners and no payment towards Unifund
CCR Partner's attorney's
fees.
Palisades Collection v.
Middleton - Prince George's County
Case dismissed - no judgment
against Ms. Middleton.
Pasadena Receivables v.
Mullerfils - Prince George's County
No judgment against debtor. Settlement
reached: Ms. Mullerfils only required to pay
45% of the amount sued for by
Pasadena Receivables and no payment towards Pasadena
Receivable's attorney's
fees.
CACH, LLC v. Amago -
Baltimore County
Case dismissed - no judgment
against Ms. Amago.
Sample List of Debt Collection Companies
(We do
NOT represent any of these companies)
Academy Collections
Account Receivables Management
AC&S Debt Collection
Action Management
Activus Financial
Adler Associates
AFNI
AIS Services
Alacrity Collections
Alliance One
Arrow Financial Services
AS & Associates
A&S Collection Associates
Asset Acceptance Corp.
Asset Acquisition Group
Asset Recovery Group
Assetcare
Atlantic Credit & Finance
Bay Area Receivables
Bierer & Margolis
Bethesda Funding
Bronson & Migliaccio
Cadle
CACH
CACV of Colorado
Canyon Recovery Partners
Capital Financial Credit
Capital One Bank
Capital Recovery Services
Cavalry Portfolio Services
Chase Bank USA
Citibank
Collect America
Collect Corp.
Collectech Systems
Collection Agency, Inc.
Collection Plus
Collins Financial Services
Colonial Credit Corp.
Commonwealth Financial
Systems
Credit Acceptance Corp.
Creditors Financial Group
Creditors Interchange
Crown Asset Management
CSGA
Delmarva Collections
Discover Bank
Doverman Receivables
EMCC Receivables
Enhanced Recovery Corporation
Erin Capital Management
Fair Collections & Outsourcing
FIA Card Services
Financial Recovery Center
First Financial Fund
First Financial Inv Fund
First Resolution Investment
Fradkin & Weber
GC Services
Gemini Capital Group
Global Acceptance Credit Company
Great Seneca Financial Corp.
H&S Financial
Harvest Credit Management
Hilco Receivables
Houston Funding
Hudson & Keyse
Independence Receivables
Jefferson Capital Systems
Key Recovery Group
Law Office of Mitchell N. Kay
Lendmark Financial Services
LHR
LVNV Funding
Lyons,
Doughty & Veldhuis
Mann-Bracken
Margolis, Pritzker, Epstein
& Blatt
Metropolitan Adjustment Bureau
Michael Fradkin, PA
Midland Credit Management
Midland Funding
Montgomery Financial
Partners
Mutual Management Services
National Action Financial Services
National Asset & Risk Management
National Credit Adjusters
National Financial Systems
National Loan Recoveries
National Credit Acceptance
Nationwide Credit Corporation
NCO Financial Systems
Northland Group
North Star Capital Acquisition
Oliphant Financial
OSI Funding
OSI/Outsourcing Solutions
Palisades Acquisition
Palisades Collections
Pasadena Receivables
Performance Capital
Management
Peroutka & Peroutka
Pinnacle Credit Services
Platinum Financial Services Corp.
Portfolio Acquisitions
Portfolio Recovery Associates
Potomac Receivables
Professional
Recovery Systems
Pun Collections
Rab Performance Recoveries
R.A. Rogers
Receivable Acquisition & Management
RJM Acquisition
Rubenstein, Cogan & Revesman
Schlee & Stillman
Sherman Acquisitions
Tate & Kirlin
TBF Financial
Unifund CCR Partners
Universal Fidelity
Van Ru Credit Corp.
Velocity Investments
Viking Collection Service
Weinstock, Friedman &
Friedman
West Asset Management
Worldwide Asset Management
Worldwide Asset Purchasing
Zenith Acquisition
Zwicker & Associates
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