Top 5 Rules when: Getting a collection letter


  1. Don’t get fooled by words like “Firm or Group” etc. Check if the “firm” (Smith, Jones & Thompson) is really a law firm – or just a collection firm with a tricky name to fool you.


  2. If they are a law firm – see if they are even licensed to practice law in your state. If not, the letter might as well be from Joe Nobody.


  3. Check your local court online and see if this law firm and their client has current court filings filed against consumers. If they don’t sue – they don’t sue.


  4. If they are actually suing people in your own back yard, consider moving, prepare to settle, or prepare to intelligently, legally defend yourself.


  5. The smartest negotiating tactic thing to do before settling a “Recent” debt is to document (certified mail or email) a “dispute” as to the total amount of monies owed. Be precisely this general with this wording of specifics. Independently, a summary judgment (automatic/no trial verdict) requires that the defendant not had a previous dispute as to the alleged amount of monies owed prior to the inception of the lawsuit.

Legal disclaimer: This content is not formally asserted as legal advice, cannot be construed as legal advice, and only an attorney within your state is authorized to give legal advice.

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