Legal Debt Center

If you believe there was an error, you must make this argument to the court by submitting a written response to the court (response) and insisting that the creditor provide documents showing that you owe the debt and that you owe the amount they are asking you to make. If you do nothing or respond on time, you may lose the case and have the court ask you to pay the debt plus interest, costs and costs (default judgment or monetary judgment), even if there is an error. According to the Federal Trade Commission, one in five consumers has errors in at least one of their credit reports. These mistakes often negatively affect the person`s credit, which can lead to difficulties in obtaining a loan or other loan. You have the legal right to have only accurate and verifiable information on your credit report. Our lawyers can help you protect this right through our Credit Correction Legal Services™. If your bank account has been frozen or your salary or benefits are seized, we can help you determine why this is happening and whether your account has been unfairly frozen or your salary has been unfairly garnished. We may be able to help you use your account again and may be able to provide additional legal assistance in some cases. If you think you are a victim of a violation of the FDCPA, the National Legal Center can help.

Contact our office at 800-747-2614 for a free consultation or fill out this form and we will contact you to discuss your potential case. We will always be honest and fair to you. Our representation may include further clarification of your rights under the law and/or legal action against a debt collection agency that violates your rights under the FDCPA. Millions of Americans are in debt collection, mostly due to financial disaster. Debt collection agencies are consistently one of the main sources of consumer complaints. NCLC works to strengthen debt collection laws to protect consumers from abusive collection, improve consumer protection in debt collection actions, and protect creditors` income and essential assets. NCLC supports lawyers who defend consumers with debts or sue debt collectors who violate consumer protection laws. DON`T IGNORE ANY COURT DOCUMENTS YOU RECEIVE! Get legal help as soon as you receive court documents. Even if you don`t have a lawyer, it`s important to go to your hearing.

If you don`t go, the other side can win automatically. It is now very common for credit card companies or other creditors to sell bundles of debt to other companies. This means that if you are sued for a debt, you may not recognize the name of the company suing you. Start with a low monthly payment today. NLC provides cost-effective legal solutions to credit and debt problems. Before calling or visiting CLS, please gather any relevant documentation you have about the problem you have with the harassment or lawsuit. This report addresses common issues faced by consumers with claims for alleged lease debts, such as those reported to the CFPB. It concludes with proposals for measures to support consumers with alleged rental debts. We provide legal information and advice to people who receive calls and collection letters. We can advise you on how to stop harassment and defend against debt collectors who are trying to collect debts they do not have the legal right to collect.

We may also be able to help you determine if collectors have harassed you in violation of federal or state consumer protection laws. If you`re struggling to keep track of your payments and have credit card debt or other loans of $5,000 or more, we may be able to help. Financial problems are the most common reason for denying security clearances. If you are at risk of losing your security clearance due to excessive debt or credit problems, our experienced lawyers will work on your behalf to maintain your security clearance. We also create a long-term plan tailored to your needs and meeting the requirements of the security authority. Our goal is to comprehensively resolve your debt or credit issues and help you find a long-term solution to your security screening problem. National Legal was nothing but excellent in the service they provided me. They did exactly what they said they would do, the moment they said they would. I managed to get out of debt and hopefully put myself in a position to stay that way.

I appreciate their professionalism and the help they have given me over the past few years. “National Legal Systems is the BEST company to work with! Since my first conversation with them, I have felt protected and safe. They always treat me with compassion and empathy. They are honest, sincere and patient. My best interest is their top priority. I have the utmost admiration and respect for everyone at National Legal Systems. Without them, I would never be able to manage debt consolidation. A big thank you to the entire National Legal Systems team. Once there is a court order for you (default judgment or monetary judgment), the creditor can collect that money by having money deducted from your salary or otherwise, such as taking money from your bank accounts, taking your tax refund (garnishments) or using a legal process to take and sell your property. Let our team of lawyers help you! We offer you options so that you can choose the right solution for your personal situation.

If you receive a subpoena, complaint, or other notice of prosecution or hearing, it`s important to do something quickly. If you don`t understand what you received, ask for help. You must submit a written response (response) to the court to protect your rights. If you do not submit a response within the allotted time, you may be in default. If you default, you may not be able to contest the debt or participate in the proceedings against you. The creditor can then get a court order ordering you to pay the debt plus costs and expenses (default judgment). If debt collectors call you several times a day or at any time of the day or night, call your employer about your debts, insult or threaten you when you talk to them, CLS may be able to help. To take legal action to collect a debt, the creditor (the person or company that owes money) takes legal action against the debtor (the person who owes the money). Once an action for debt collection has been filed with the court, the creditor must inform the debtor of the claim (service). This is usually done by hand delivery or mail, but it can also be done by other means. When debts are transferred in this way, it is not uncommon for mistakes to be made about who owes the debt or the amount of the debt. It is also possible that the company that bought the debt may not be able to prove in court that you are the right person or that you owe the amount they are asking for.

I used NLC to control my debts after the divorce and loss of my job. The professionalism, the kindness of the staff, the feeling that I was not judged; I never hesitated to take a call from them because I knew they always helped me. After 2 years, they are still taking care of me to see how I am. Great company! Community Legal Services commissioned the following Reinvestment Fund study to learn more about the impact of debt collection cases filed in Philadelphia`s “small claims.” If you only make the minimum payments on your debt, you are doing yourself a great disservice. Not only will you end up paying back more money than you need, but your credit score can also suffer. You have the right to dispute your credit report information.  If you believe that the information in your report is incorrect, inaccurate, misleading, ambiguous, inappropriate, incomplete, unverified, unverifiable, questionable or unclear, we can help. We help you understand your legal rights in relation to your credit report. The core of our work is results-oriented and we have been very successful in achieving positive results for our clients through our collective experience and knowledge. There is tremendous power in the strength of our team. Our lawyers and professional staff understand the nuances of our targeted areas of practice so well because we have nearly half a century of combined legal and financial experience.