Sued by Unifund CCR Partners? These 7 Mistakes Could Damage Your Case.

If { dubnium } has filed a lawsuit against you, it ’ south time to get unplayful about dealing with your debt. Don ’ thyroxine assume it will precisely go away, or that they can ’ t win because you have no assets. They can do plenty of damage if you don ’ t fight back, even garnishing your wages or your bank account until the debt is paid in full .
here are the most damaging mistakes consumers make in dealing with { dubnium } lawsuits, along with a short advice on how to avoid these errors .
1. Procrastination
once you learn that { dubnium } has filed a debt lawsuit against you, respond cursorily. You will have 14 – 20 days from the date of service of the initial summons to do so. Don ’ metric ton spend 13-19 days pretending it international relations and security network ’ thyroxine happening before you rush out a last-minute response. If it ’ s not adequate, or key data is missing, you ’ ll have no time to revise. Start working on your reaction arsenic soon as you receive your summons.

{ dubnium } is actually counting on you to get bogged down by abnegation and dilatoriness. In fact they ’ ll be quite happy if you never respond at all. Once the filing date has passed, their lawyers can request a default judgment, awarding { decibel } the full come you owe plus any fees and penalties they ’ ve added. And if you haven ’ thymine met the deadline, they will get it .
2. Financial TMI
Consumers sometimes panic during a debt lawsuit and offer manner besides much information about their personal finances, evening more than the court requires. This is not how you should approach the discovery phase of a { decibel } lawsuit .
never provide them with more data than they ask for, and make sure their requests for documents are justified by the circumstances of the case. It ’ s a good idea to consult an lawyer before you give { decibel } any of the take after :

• Tax returns
• Bank statements
• Investment or trust account information
• Retirement or pension account information
• Life insurance information
• Records on alimony or child support received

In general, your responses should be limited in oscilloscope and based on your current income and ability to pay. You do not owe { decibel } records that cover the entirety of your fiscal life sentence, particularly if they have no relevance to your encase .
3. Making requests or responses by phone
once { decibel } has filed a lawsuit against you, all further communication with them should take place in writing. Contacting their lawyers by telephone – to respond to the lawsuit, answer questions, or negotiate a village – is not advised at this stage. hera ’ randomness why :

• You may unknowingly share information that could damage your case.
• The court does not consider a phone call a valid response to a summons, or to written information requests from {db}’s lawyers.
• Making a settlement agreement by phone won’t help you case – you have get it in writing. Until that happens, you’re still on the hook for the full amount.

Anytime you are facing a debt lawsuit, or any other type of legal action, it ’ s good to remember that old saying “ if it isn ’ metric ton written down it didn ’ t happen. ” An lawyer can help you navigate the communication process with { dubnium } and handle any negotiation needed on your behalf .
4. Continuing to Make Payments
{ decibel } engages in many unfair debt collection practices, like filing lawsuits against consumers who are already on a payment plan. In other words, { decibel } while you are actively making payments on your debt.

amazingly, many consumers will continue to make payments even after { decibel } files suit. If this is your position, you may feel that sticking to the requital schedule is a usher of good religion, and a way to demonstrate to the woo that you are trying to address the debt. While a estimate may take this into account, here ’ sulfur why your sacrifice may not be worth it in the end .

• Monthly payments do not prevent {db} from proceeding with the suit, charging you fees or penalties on unpaid balances, or winning a judgment that allows wage or bank account garnishment.
• Ongoing payments could hurt your cause if they create a financial strain, especially if they keep you from hiring an attorney or paying court costs.
• If {db} offers you a settlement, their focus will be on the unpaid balance. You are not likely to receive credit for payments made before or during the lawsuit.
• If your case is dismissed or dropped for lack of evidence, you might not have to repay the debt at all.

5. Confirming the debt
Don ’ deoxythymidine monophosphate be so quick to confirm the dollar amount that { db } says you owe, even if you believe it might be accurate. This may seem like a little admission, and you may trust their numbers more than your memory. But what you ’ re actually agreeing to is that you should pay every penny they ’ re asking for, which may include fees and penalties .
failure to dispute the total of the debt, or even possession of the debt, is one of the most common mistakes consumers make when they represent themselves in a debt lawsuit. Athletes wear ’ thyroxine admit get the better of before the game is played or the race is run, but this is precisely what you ’ re doing when you confirm a debt without proof of its accuracy .
6. Skipping the most important question
One of the most important legal rights consumers have with respect to debt collection and debt lawsuits is one they routinely fail to exercise – the right to request that creditors and debt collectors verify the come they wish to collect is accurate .
You may assume that since a lawsuit has been filed, { decibel } must have the paperwork to back it up. And { decibel } decidedly assumes that you ’ ll never ask to see it. But there ’ s a actually good reason you should. They might be bluffing .
{ decibel } entirely buys a express amount of data about your debt, which does not normally include the support documents they need to justify their actions in woo. But since courts do not independently verify this information, the only way you ’ ll know if they ’ re bluff is to ask for the paperwork yourself .
If { dubnium } can ’ deoxythymidine monophosphate justify the measure they ’ re trying to collect, their options become limited. They normally settle or just drop the courtship. So it pays to ask questions .
7. Going it alone

only a fraction of consumers sued by { dubnium } ever hire an lawyer, and for many, this ends up being the biggest error of all. Consumers who go it entirely in responding to a debt lawsuit normally do so because they believe they can ’ metric ton afford legal representation. however, they frequently end up outgo more money when { decibel } prevails in the case .
All of the mistakes mentioned above can easily be avoided merely by having feel legal council on your side. T he John G. Helstowski Law Firm defends consumers dealing with { dubnium } debt lawsuits on a regular basis. We know the account tricks and frighten tactics their lawyers will use, and how to hold them accountable .
You don ’ t have to face { db } alone. Contact us for a free consultation.

source : https://vesnice.net
Category : Finance