Trials in debt collection lawsuits are rare. About 90% of debt collection lawsuits conclude with a default judgment when the defendant doesn’t appear in court. Roughly 8% end when a defendant enters into a payment plan for about the full amount. These defendants think they dodged a bullet – the lawsuit – but many can’t afford the collectors’ terms and find themselves back in court. This is usually when someone does appear in court, but without a lawyer. Only 2% of people are represented by a lawyer.
But those 2% that have an experienced law firm do far better than the other 98%. In those cases, the lawsuits are typically dismissed or settled for a fraction of the original amount.
Our legal team not only defends collection cases, we sue debt collectors. When we review your case, and any other consumer collection issues you have, we check to see if the debt collector or its collection attorneys violated the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, or any of the other laws that protect you as a consumer.
If we can prove that a debt collector broke the law and your rights were violated, we can sue on your behalf, and, if we win, you can receive damages and have the collector pay the attorneys’ fees and costs. We’ve handled – and we’ve won – hundreds of lawsuits against debt collectors.