Springfield Debt Collection Defense Lawyer

Missouri Statute of Limitations Attorney

When a third party purchases your debt, and the debt is overdue, the third party is likely calling and mailing you, seeking recovery of the debt. When a third party attempts to collect debt, they must fulfill legal requirements before they can actually collect the debt. In many circumstances, the Consumer Law Clinic can help you defend against debt collection by third-party collectors.

For help when you are in financial distress, contact collection defense attorney Angela Acree. She will evaluate your case and defend you against third-party debt collectors.

The Consumer Law Clinic, a division of the Bankruptcy Clinic LLC in Springfield, Missouri can help you get relief. Call us at (417) 8NO-DEBT to schedule an initial consultation.

Fake and Incomplete Documents Form the Basis of the Collection

Third-party collectors can purchase credit card debt or other debt once the debtor has failed to pay the debt after six months. When third parties purchase your debt from a credit card company or other lender, they often pay very little compared to the full value of the debt. Third-party collectors usually purchase thousands of bad debts and work aggressively to force you to pay your debt.

We can defend against the collection of your debt by third-party debt collectors. It is important to know that we can help you defend against third-party collectors because they are likely contacting you night and day as they seek to recover your debt. The problem is that the methods used by third-party debt collectors may be illegal and in violation of the Fair Debt Collection Practices Act.

The information the third-party debt collectors have regarding your debt may also be insufficient for the collectors to demonstrate that the debt is yours and the amount of debt you owe. We provide debt collection defense by challenging the information that they have and showing the court that the collector has insufficient evidence to prove ownership of your debt.

Other Ways to Defend Against the Collection of Debt

In addition to challenging the validity of the documents and identification used by debt collectors to demonstrate ownership, attorney Angela Acree can fight the collectors in other ways:

• FDCPA: The federal act protects consumers from harassment, threats and unauthorized contact by third-party debt collectors. When third parties violate the Act, we can sue them.
• Statute of limitations: In most instances, collectors cannot collect debt that is more than 5 years old
• Violations of a permanent-stay: If you completed your bankruptcy filings and you were granted a discharge and a permanent stay, creditors cannot seek to have you pay for the discharged debt.
• Divorce and not the signor of the debt: Generally, you are not obligated to pay for the debts of your ex-spouse if you did not co-sign on the debt.

When you are being harassed by a third-party creditor, and you want them to leave you alone, you need the Bankruptcy Clinic, LLC, to defend against the debt collection harassment. We will work vigilantly to protect your rights when you are experiencing financial distress. Contact our law firm today to schedule your consultation with a skilled bankruptcy and consumer rights attorney.