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