Washington Debt Collection Defense
If you've been sued by a debt collector, do not wait. You have rights that may expire and a judgment to be entered against you if you do not take action. Even if you think that you owe something, collectors frequently inflate the amount of the debt and break laws trying to collect from you. If you have been served we can often stop the judgment from being entered against you and prevent garnishment of your bank account and wages. Sometimes we are even able to get the debt collectors to drop their case and pay you money. It is worth a phone call or message to our office to find out what we can do for you.
We are finding more of our clients than ever before who have judgments against them that were obtained wrongfully by debt collectors. For example, if you responded to a lawsuit but were not provided notice of a subsequent hearing where the judgment against you was granted, that judgment may be void. Some of our clients were never served with any notice that there was a lawsuit until they find their wages or bank account garnished. This is illegal and wrong, and we can help. Let us review your case and we will let you know if we think we can overturn the judgment against you. Act quickly, though, because some of your rights may expire if you wait.
Help With Garnishment
If a judgment has been entered against you and debt collector is garnishing her wages and/or bank account, we may be able to help. Washington and federal law provide protection for many of your assets. We can help you determine which of your assets the debt collector cannot take. If the judgment was taken against you improperly, we can often make the garnishment stop and get your money back. Often, we can offer our services at little or no cost to you.
The Fair Credit Reporting Act (FCRA) helps to protect your credit report. Forcing companies to accurately report to the credit bureaus, however, can be tricky. We can help you dispute erroneous information on your credit report and force creditors to report accurately. We help with all aspects, from the initial dispute through litigation in the federal court system when creditors refused to comply with their obligations. You can start by pulling a copy of your credit report at no cost here: www.annualcreditreport.com