Collections & Lawsuits
Did you receive that dreaded debt collector call?! Don’t panic!
Our attorneys are here to defend you against debt collection lawsuits
Debt Lawsuits in Connecticut
If a debt of yours remains unpaid, it can become a collections lawsuit in Connecticut State Court, usually in the county you live in. This means that a...
Debt Settlement vs. Debt Consolidation vs. Bankruptcy
When facing overwhelming debt issues, the specifics of your case will determine what is the best strategy for your recovery. Learning about the options is the...
What Is A Default Judgment?
Default judgments are when people fail to act on a debt collection lawsuit brought against them. All the creditor is required to show is that there was a...
Debt Collection Help
People with financial problems continue to press on and do their best to pay what they can and soldier on. But there will come a point when it is just too overwhelming. Things begin to break down and you can find yourself in a legal process that is stacked against you and in need of professional debt collection help.
The Debt Collection Process starts with your defaulting on a credit card debt that leads to phone calls and default letters from the Collection Department of your creditor. Eventually, your bank or card issuer will utilize the services of a Debt Collection Agency. They will then begin to harass you by phone and through the mail. It is their job to collect on the debt and they receive a fee from any money they collect from you. If the debt collection agency is unable to collect, they return the account to the original creditor, who then decides whether to:
- Sue you directly through a specialized group of law firm collection mills who bring suit on behalf of the original creditor; or
- Package the debt with many other defaulted debts and sell it to a Debt Buyer who choses from a list of local collection law firms, who then brings suit in bulk on behalf of the Debt Purchaser.
In either of these two scenarios, you end up served by a sheriff and the law firm moves the case into the local court to pursue the suit through the Connecticut collection process. Unfortunately, the ordinary consumer usually makes the mistake of representing themselves or ignoring the lawsuit. Both choices will likely result in a court judgment for the original creditor or the debt buyer for the full amount plus costs and attorneys’ fees. In fact, most of those suits go undefended and become default judgments.
The creditor is then able to enforce the Court Judgment against your pay by a wage garnishment, attachment or a lien on your real estate.
Don’t let this happen to you. It’s entirely avoidable.
Why Should I Hire an Attorney If I’m Threatened with Debt Collection?
- Respectfully, you’re a novice, you’re not a lawyer, so you aren’t trained in how to properly defend yourself. You’re not knowledgeable in the rules of legal collections or evidence, and you’re up against specialized legal collection attorneys.
- The process of defending a debt is a full-time job and you don’t generally have the time in your life to learn the law and draft all the detailed documents and comply with all the detailed court rules and procedures. It is not your job, you’re unlikely to get it correct the first time, and it’s very stressful. You’ll be held by the Court to the same standard as a lawyer.
- An attorney will get you a far better result that you can on your own. An attorney will save you money in the end. They will also save you time and prevent the suit from taking over your life or becoming a judgment against your paycheck, your bank account, or your house.
It’s not too late to free yourself from debt
If you are being sued for a debt, contact the Law Offices of Neil Crane for a free consultation. We provide expert legal services at affordable rates with payment plans that fit your situation. We will quickly examine your suit to develop defenses and fight for you to get your case dismissed or settled at a significant discount.
Don’t ignore credit card collections, calls, letters or lawsuits, and don’t go it on your own. Get the answers you need for free by calling the Law Offices of Neil Crane at 203-230-2233.
If you have been contacted by a debt collector alleging debt in your name, contact our team for debt collection help, TODAY!
Client Review
“Neil Crane was everything I needed in an attorney in my time of need. Bankruptcy is an overwhelming place to be financially and emotionally. Neil’s knowledge, professionalism, and level of communication from beginning to end were above and beyond !! I am so very grateful!! His entire staff treated me with dignity and respect throughout the entire process. I highly recommend the law offices of Neil Crane to handle all of your bankruptcy needs.”
Stephanie Schuler
Debt Collection Defense Resources
Wage Garnishments, Bank Executions And Liens
Creditors bring lawsuits in Connecticut State Court to collect their debt through a Court Judgment. Once a creditor has obtained a court order or judgment...
What Are Debt Buyers?
Debt buyers are companies that purchase defaulted debt in bulk from your creditors, often for pennies on the dollar. Also called junk debt buyers, these...
What Should I Do If Creditors Are Calling Me?
The first realization you should have when you get a creditor call is that your problem is reaching a new level. Nearly all people who receive a creditor...
Hidden Cost of Debt Collection: Interest, Fees and Costs
People facing a court judgement for debt often ask themselves “how did my bill get so big?” The answer to this question is that your debt grew due to...