Stop The Calls Fast

It is a violation of the FDCPA to imply or state that legal action is going to be taken against a consumer when there is really no intention of doing so. Ask me if that stops many debt collectors from getting on the phone or even putting in writing and stating that legal action is being considered or that it is imminent? Well of course you know the answer to the loaded question. I think that if you know whether or not you are going to be sued it will save you a lot of sleepless nights, anxiety, stress etc. Not too mention paying an attorney when it may not be necessary.

The easiest and most direct way to really know if a debt collector means business and is going to sue you is to check to see how much if any litigation they have been a plaintiff on your state’s judicial website. I am going to give you some specific examples using debt collectors or are famous for suing people: Unifund and Portfolio Recovery Associates. I have inserted pages from the court records for CT and NY so you can see just what the docket references look like.  Please see below. It is estimated that Unifund will sue about 200.000 people this year; that is right just for this year. So in CT here is what Unifund is doing: . Notice that just on the CT dockets there are over 2000 cases listed for Unifund. Getting the picture. Now we look in New York for Portfolio Recovery Associates. On my first pass I find the Portfolio Recovery Associates has been a party in over 31000 lawsuits in NYC. Yup no joke 31000!!!! PRA has filed 1871 cases just for Queens County New York so far this year. You do the math. If you live in Oregon, Florida, Alabama or California you can research a debt collector just as I have done here and find it if you are really going to be sued.

All you have to do is use a Google search term such as “New York Civil Courts” and the or “California Civil Courts” and the appropriate url’s will show up. When you think about it isn’t better to point and click at home and get some answers rather than maybe paying someone to tell you what you can find out just by following steps I have shown you? If you are sued you may want to think about hiring an attorney if you do not own my self help system. Some people have confidence and are not intimidated by appearing in court and defending themselves. If you are served with a summons it must be answered;no ifs ands and buts. If you do not answer you risk receiving a default judgment from the court. You can read about my self help system by clicking the tab for it on the menu bar right above this article. If you really need a good attorney email me (stopthecallsfast at gmail.com) for a CT recommendation. Outside CT I recommend going to  http://www.naca.net/ (TheNational Association of Consumer Advocates). By all means please email any questions.

Unifund CT Dockets

PRA Queens County NY 2010

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