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Responding to a Credit Card Lawsuit When a lawsuit is filed in the Court of Common Pleas you as the defendant have 20 days to get a written response filed with the court. The initial written response to the lawsuit is crucial, so please heed the following advice. There are generally two choices when responding:…
We’ve had lots of calls over the last few weeks asking about a Writ of Execution. Can I hire you? Why didn’t they give me notice? What can be done? These are some of the frequent questions that we get regarding Writs of Execution. What is a Writ of Execution? A Writ of Execution…
LVNV Funding is a junk debt buyer that we deal with on a daily basis. They fell under the radar for a few years and now are making a big comeback. We’ve seen hundreds of LVNV cases being filed across western Pennsylvania in the last few months. Below, we’ll talk about the 5 steps…
If you’ve been sued by Portfolio Recovery Associates (PRA), then you need to do something, right now. Since you’re here, you obviously are at least attempting to do some research, which is a good thing. The next step is to consult with and then hire a consumer attorney. Please don’t make the mistake of handling a…
Facing a credit card lawsuit? Please don’t panic. Follow these easy steps and you’ll obtain a great result almost every time. Step 1 – Take a few minutes to actually read the lawsuit. See if they have sued the correct person, see if you can recognize the account that they are suing on. Step 2…
We’re getting lots of cases from Cavalry SPV. These cases are being filed in District Justice Court and the Court of Common Pleas. In most instances, Cavalry is being represented by the fine attorneys at Apothaker Scian. You’ve never had an account with Cavalry, you’ve never had a contract with them, they’ve never lent…
The bulk of our caseload at Artim Law is defending individuals who are sued by collection agencies. We see lawsuits from Cavalry, LVNV Funding, Midland Funding and Portfolio Recovery Associates every day. These guys are the large debt buyers and it appears that they’ve swallowed all of the smaller debt buyers. Every now and again,…
We’ve received many inquiries this week about negotiating with debt collectors. Let’s get right to it… if you are sued by a debt collector, or even if you’ve received a phone call or a letter from them, you SHOULD NOT negotiate with them by yourself. I’m not saying that negotiation is a bad idea,…
Years ago, you were sued. You lost, either because you didn’t properly defend yourself and allowed a default judgment to be entered, or, because you didn’t hire an attorney. Now years later the collector is trying to enforce the judgment and is demanding that you pay. Or, you’re trying to buy a new home and…
Well, for the 5th time in the last 7 days I’ve had a new client inquiry where the individual has been representing themselves in a credit card lawsuit. The common scenario is this…Debt buyer sues person. Person goes on internet and googles what to do. Google tells them to file an “answer” so they do…
Douglass v Convergent Outsourcing Third Circuit Court of Appeals The Third Circuit Court of Appeals on August 28, 2014 issued a precedential opinion in the case of Douglass v Convergent Outsourcing f/k/a ER Solutions, Inc. Douglass filed an action against Convergent Outsourcing for sending a collection letter using a window envelope that exposed Mr. Douglass’s…
CACH is a junk debt buyer that we used to deal with all the time. They were a step above other debt buyers… it seemed that they always had a few more documents than other companies did. They were a threat to consumers. We had great success against them, but it was definitely a more…