Default Judgment in a Debt Collection Case: What It Is, How It Happens, and What It Gives Them

What Is A Default Judgment Debt Collection

A default judgment is a court order granted to a debt collector simply because the defendant failed to respond to the lawsuit by the deadline. It transforms an unsecured debt into a court order, giving the collector the legal power to garnish wages, levy bank accounts, and place property liens. Debt buyers actively rely on … Read more

Debt Collector Calling at Night or Early Morning: When It Crosses Into a Violation

Debt Collector Calling At Night

Federal law prohibits debt collectors from calling you before 8:00 a.m. or after 9:00 p.m. in your local time zone. A call placed outside of these hours is not a minor oversight. It is a documentable violation of the Fair Debt Collection Practices Act. Missed calls and voicemails left during restricted hours still count as … Read more