Know your rights when a debt collector sues you
Debt collector rights.
If you are late with your bills, someone will likely call you to collect the money you owe. You might owe money on a car loan, credit card bills, medical bills, utility bills, home loans, or other types of loans.
This booklet explains your debt collection rights in the United States and
What do you know if a debt collector calls you?
Which bills should I pay first?
What to do if you think the debt is illegal,
What to do if you do not have the money to pay the debt,
What debt collectors can and cannot do, and
What if a debt collector sues you?
They contacted me about debt. What should I know?
You may receive direct contact from the creditor or collection agency.
A creditor is a company that you owe money, like a credit card company.
A collection agency is a separate company that collects debt.
Both of them are also called debt collectors.
Your rights may vary depending on whether you owe the money to a creditor or collection agency. Debt collection lawsuits will try to raise money even if you have no money or think you owe nothing. The debtor issuing you but you are not prepared for the act, we help debt-collection lawsuits in the US citizen.
What bills do I have to pay first in the US?
If you cannot pay all your bills on time, you have to decide which bills should be paid first. Think about what would happen if you didn't pay off certain debts, and ask yourself which bills will affect your family the most if you stop paying them.
You may want to pay with this order as a US citizen:
1. Accounts that affect your family's health: food, medicine, health insurance.
2. The bills that affect your family's home: rent, mortgage, apartment fees, property taxes, and utilities like heating and electricity.
3. Your family's other bills: your car payments if the car is necessary (for example, if you need a car to go to work); Child support, income taxes, and government-guaranteed student loans. If you have money left over after paying these bills, you can specify how much money you can pay each of the other collectors.
What do I do if I think this debt is illegal in the United States?
You don't have to be charged for something you didn't actually buy or pay for, but mistakes happen sometimes.
What if my creditor tells me that I owe them a financial claim?
You have the right not to agree to the charge (or to challenge it). Look at the back of your monthly statement for instructions on how to file a dispute. It is best to write a letter and attach a copy of your monthly account summary. Check out the items you dispute.
What if a debt collection agency tells me that I owe money and sues you?
You should immediately write a letter to the collection agency stating that you do not owe it what it says. Until they send you a proof of debt, they must stop contacting you.
What could happen next?
If they send you evidence, but you think it's a mistake, send them another letter .and Proof that you have paid, or Evidence that the debt is not yours.
If they keep trying to charge you, you can get help from the state and you are free for debtor claims
What do I do if I have debt but cannot pay it off?
Debt collectors will try to pressure you to pay more than you can afford.
If you can't pay the full amount, send the amount you can afford each month, even if you are told it wasn't enough. If you pay something each month, you may be able to avoid being sued for the full amount of the debt.
If you can't pay anything and want them to stop calling you, you can write a similar letter
Include your account number and make a copy of the letter. Once they receive your letter, the creditor may still call you, but they will stop frequently. The collection agency may just call you to tell you what action to take. For example, you will be sued in court or you will not be contacted anymore
What can debt collectors do while trying to collect it?
A debt collector can call you to ask for money and send you letters to demand payment, but there are restrictions on what they can do. You don't need to listen to their demands. You can turn off the phone or send them a message telling them to stop calling you
Things that creditors can do in the United States:
Talk about your debts with your wife and lawyer (if you tell them who your lawyer is).
Contact the employer to confirm that you work there or to get their contact information.
Sue him in court
What happens if a debt collector sues me?
The collector will need to present the legal documents to you. You must respond to the lawsuit because if you don't, the debt collector wins the lawsuit.
What does the conductor do if he wins in court?
If the collector sues you and wins the lawsuit, the court will decide that you owe them money and will order you to pay a certain amount of money each week. If you do not pay the court-ordered amount each week, a debt collector can request a court order to take your property, money from your paycheck or bank account. Some of your money and salary is protected. See below for more information