Collection cases fall into two general categories: (1) retail or consumer collections and (2) commercial collections. The distinction between the two categories is significant, as can be seen from the discussion on fees and particularly the discussion on the applicability of the Fair Debt Collection Practices Act (FDCPA).
If you are being harassed or sued by debt collectors, you need to know there are laws protecting you. Just because you have debt does not mean debt collection agencies can abuse their right to collect. There are certain steps that debt collectors must abide to. Having a knowledgeable attorney who can provide effective debt collection defense representation can save you or your business from unnecessary hardship.
DEBT COLLECTION DEFENSE
Do you have mounting Debt? Have you been sued by a medical or mortgage provider, a credit card company, on a bank or auto loan, by a former landlord or another creditor? Let us help you,having a knowledgeable attorney, such as the attorneys of MUSSIN & SCANLAND, who can provide effective debt collection defense representation can save you or your business from unnecessary hardship, emotional distress, and repayment costs.
We know more than most attorneys, and we know when it’s time to fight and when it’s time to settle.
Generally, a collection case arises from a debtor’s default on the payment of an account for goods or services rendered on credit terms. The typical collection case is rather simple: the damages are easily calculated because they represent the balance of unpaid invoices or a statement of account, and expert opinion is usually not necessary. Debtor collectibility is usually the chief concern. In most instances, the case is based on an account of goods and/or services sold and delivered, a promissory note, or a default on some type of business contract.