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4 posts tagged Fdcpa, newest first.
LawSensai Credit Defense is a self-help tool that helps you challenge credit-report errors and unverified debts under the FCRA and FDCPA. It helps generate dispute letters and debt-validation requests, tracks response deadlines, and connects you with an independent attorney when needed. It cannot remove accurate negative items.
Under the FDCPA you can dispute a debt in writing within 30 days to force validation, tell collectors to stop contacting you, and report abuse to the CFPB or FTC.
Most debt collection lawsuits end in default judgment because the defendant did nothing. This post walks through filing the answer, the short deadline, and the affirmative defenses that actually move the case.
About 70% of consumer debt-collection lawsuits end in a default judgment because the defendant never filed an answer. The cases that get an Answer look completely different. Most credit-card lawsuits are filed by debt buyers who do not have the documents they would need to win at trial: chain-of-title, the original cardholder agreement, a specific bill of sale. Here is the defense most people never file, in five steps.