These are all daunting situations and you have a right to be frustrated, angry and even scared. The skilled professionals at the BLC Law Center are used to dealing with these questions every day. If you need help in any situations like these, please give us a call today at (800) 551-7922 to set up your free consultation. Bankruptcy lawyer San Diego California will also tell you here a few strategies to dealing with debt collection disputes and possible defenses against collection lawsuits.
Unfortunately, in our electronic age, debt collection disputes happen far too frequently. It can be a matter of a transposed account number, a check sent to the wrong address or any other number of issues. San Diego California bankruptcy lawyer offers quality services at best prices.
First, you need to verify that it is, in fact, your debt that you are being contacted about. There are thousands of people out there with the same name while social security numbers and account numbers can easily be transposed. Further, there are bad players out there who steal identities for a living. Don’t agree to anything with a creditor until you verify that it is your debt. Only trust bankruptcy attorney San Diego California when it comes to personal bankruptcy cases.
Second, keep accurate records, especially with your banking transactions, to be able to verify that you did indeed send in a payment on a certain date and that it cleared your bank on a certain date. Mistakes are constantly made where payments are applied to the wrong accounts.
Third, you should monitor your credit report at least annually. If someone has stolen your identity in San Diego, your credit report is often the first place where a stolen identity can be noticed. Look for San Diego California bankruptcy attorney to fight for your rights.
Fourth, you need to verify that the debt is accurate and truly in arrears. Debt holders do make mistakes and do not necessarily always follow the applicable law when it comes to collection actions.
Your rights are also protected by the fair debt collection practices act and the Fair Credit Reporting Act. Please refer to our summaries of those laws on our website as well.
If all of this checks out and you cannot pay the debt in a timely manner, your creditor may sue you to collect the balance owed them.
To learn more about your legal rights, please give us a call today at (800) 551-7922 to set up your free consultation.
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