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YES always yes.
If you don't answer they will receive a default judgment and you will not have a chance to defend yourself.
if you do answer you will get a court date and have a chance to defend yourself.
Here's the kicker:
Whether or not you answer, you will receive a judgment. If you answer you will go through the court process and obtain a Judgment.
If you don't answer you will receive a Default Judgment.
Remember, the judge isn't there to tell you you're a bad person, or you need to pay $2,000 a month OR ELSE!!!
A judge is just there to determine whether you owe the money or not. 99.99% of the time the judgment will result in favor of the plaintiff, and you owe the money. It doesn't matter how good an attorney you have, the fact is the money is owed.
By answering you buy yourself time to negotiate with the creditor/attorney while the court proceedings happen. Typically you get an extra 3 months to a year to resolve the debt before a judgment.
Once you get a judgment creditor can bank levy your accounts, garnish your pay (in 45 of the 50 states, the rest of you are lucky), or place a lien on your home (which goes away if you settle or pay off the debt)
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∙ 12y ago
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Can a debt collector continue to call after you file bankruptcy?
No, not as long as they were included in the bankruptcy. You should give their information to your bankruptcy attorney, who will contact the debt collector. If that doesn't work, your attorney will certainly know what to do next.
Where must a debt collector file court proceeding in Virginia?
In civil court in the county where the debtor resides.
What is the duration of The Debt Collector?
The duration of The Debt Collector is 1.82 hours.
When was The Debt Collector created?
The Debt Collector was created on 1999-06-25.
When was The Debt Collector - novel - created?
The Debt Collector - novel - was created in 2007.
Can a debt collector threaten with felony charges?
Absolutely not. If the collector has done so, file a complaint with the attorney general of your state, as well as speak with a local attorney regarding your rights.
What to do if a bill collector is suing you for a bill that occurred in 1994?
Hire an attorney.
Can a lawyer acting as a debt collector file for a judgment in court during the 30 day validation period and after the defendant has requested the validation of the debt within the allotted time frame?
No
If one collection agency buys your debt and charges interest and then sells it to another debt collector can that new debt collector collect on the old interest?
Yes. The new debt collector bought the entire debt, including interest that was added on. You will be responsible for the entire debt.
You work for a business which has a debt collector calling for an unpaid debt The collector keeps giving you information about the debt but you tell her you are an employee Is this legal?
Federal law, and most State laws forbid giving any information about a debt to anyone other than the debtor, or the debtors spouse in some States. The person who works with you could file a complaint with the FTC and possibly sue through a consumer rights attorney for violation of the Fair Debt Collection Practices Act. Of course, your testimony as to what information the debt collector gave you about them would be helpful.
How can you avoid debt collector's harassment?
To avoid debt's collector harassment, it is important to settle your debts in time.
Is a creditor allowed to collect on a debt discharged in bankruptcy filed thirteen years ago?
Absolutely not. That debt is null and void. First, make sure that debt was actually included on your bankruptcy filing, and was discharged properly. Second, send the debt collector a copy of the bankruptcy filing, and tell them to get lost. If they persist beyond this point, they are in contempt of the bankruptcy court filing. They are also violating state and federal laws by pursuing a debt that has no legal standing. File complaints with your local state attorney general's office, and think about suing them under the Fair Debt Collection Practices Act.
