Filing an FDCPA counterclaim allows you to sue the debt collector back within the same lawsuit they filed against you. If the collector violated federal law during the collection process, you can demand actual damages, up to $1,000 in statutory damages, and attorney fees. A counterclaim drastically shifts the settlement leverage, as the collector now … Read more
The exact number of days you have to respond is almost always printed directly on the summons document, not the complaint. Generic state tables found online are dangerous because your deadline changes based on your specific court type and how the papers were delivered. The clock starts ticking on the day you were officially served, … Read more
The Answer is the official legal document you file to contest a debt collection lawsuit and prevent an automatic loss. Filing an Answer forces the debt collector to prove they own the debt and the amount is accurate, which many debt buyers struggle to do. You must find the deadline on your summons, as you … Read more