Are you being sued or harrassed by one of the Nation's WORST and MOST NOTORIOUSLY UNETHICAL Collection Agencies, Collection Attorneys or Junk Debt Buyers?
Did you know that 1 Collection Agency in Atlanta has Indicated that they file 279 Collection Lawsuits Per Day?!?
That's 66,960 Debt Lawsuits per Year from 1 Agency!
Here are the top offenders.....however, there are more than 7,000 active collection agencies in the United States alone and that's not including all of the "attorney" collector networks out there.......
1. First American Investment Company
2. Unifund CCR, Partners
3. Wolpoff & Abramson
4. Midland Credit Management
5. NCO Financial Systems
6. LVNV Funding aka Resurgent Capital Services
7. Costal Asset Management Group
8. Cach, LLC **Has LOTS of attorney networks..I was sued by Cach
9. Frederick J. Hanna & Associates
10. Asset Acceptance
11. Collect America, LTD
12. Aurora Gold & Associates, LLC
Don't despair. There is some Good News if you are being sued by one of these companies. They are SO large and buy bad debt in such a large volume that they often do not have any records beyond a one-page affadavit of debt. This gives you a HUGE ADVANTAGE in court.
As the Plaintiff (creditor who is suing you) the burden of proof is on them. You can assert many defenses in your "Answer to Complaint" and they must respond!
They likely DO NOT HAVE:
1. The original credit card contract
2. Past statements of account activity
3. Proof of the date of last activity (DOLA)
They MAY NOT HAVE:
1. A license to collect or practice (debt collection attorney) in your State.
2. A bond to collect as required by licensing in your State.
How can they build a case against you without this information?
They can't. They are literallly banking on the statistical likliehood that you will not respond to their lawsuit and they will win by default.
