-Former Georgia Gov. Roy Barnes, 2004 Equal Justice Conference
A few years ago I found myself on the defending end of a junk debt collection lawsuit. I certainly was not a lawyer and I didn’t know anything about law or courts other than a traffic ticket experience a few years ago and maybe what I had seen on TV. After searching around on the internet for a few seemingly endless nights, I quickly realized that every consumer with internet access who had ever been in my situation seemed to have an opinion about how to handle debt collectors, most with no actual clue what they were talking about. Even more frustrating, if it did seem like I had found a credible source of information, it was mostly about a jurisdiction which had nothing to do with mine (for example, another state which has its own state laws aside from any federal laws which might govern us both). However, not all searches were fruitless and I must say I did find many excellent resources which I could not have persevered in my case without.
The purpose of this website is to gather the information I had compiled in my research into one intelligible source for consumers to utilize as a resource in forming their own opinions and educating themselves about debt collectors and debt collection lawsuits. The court system is being abused by debt buyers and debt collection law firms filing thousands upon thousands of these lawsuits against consumers with little to no substantiation to back up their claims with no intention of actually litigating the case. Instead, they plan to scoop up anywhere from 50%-90% in default judgments without ever having to prove a damn thing.
They say they bought your debt…but should you just take their word for it?
Many debt collection law firms are now buying debt and suing consumers on it…Can you tell the difference?
Been served a debt collection lawsuit? Don’t ignore it! Ignoring it could put you in financial hot water for years to come!