Frequently Asked Questions About Debt Collection

We answer the many frequently asked questions about debt collection and when debt collectors call. We cover popular general and legal questions that most of our clients have. If you have additional question, call us at (770) 295-0175 or visit our contact us page to email us.

A: No. The collection of a debt is a civil legal process and owing money does not amount to a crime. If a creditor or debt collector has told you that you could be arrested if you do not pay them, you may have an actionable claim.

A. Every case is different, but, having handled thousands of cases with many different creditors and debt collectors, we can tell you what has happened with recent cases involving similar circumstances. It is extremely rare that we would not be able to obtain a substantial reduction of a debt. A large number of claims are eliminated altogether, with no payments to the creditor or debt collector.

A. We charge fixed amounts to serve our clients. There are no hourly rates and no monthly bills. Our clients do not end up paying more than they owe by hiring this firm. We take into account the amount of the debt, the amount of work involved, and the likely resolution of your debt in determining our fees, so that our services are beneficial and cost efficient.

A. If someone is contacting you by phone, mail, or otherwise, and attempting to collect on a debt, or, if you want to obtain a car loan, refinance a mortgage, or start a new business, and need to clean up your credit by settling outstanding debts, we can help.

A. You are welcome to come to our office and meet one of our attorneys, but, it is not necessary. We handle matters for clients all over the United States. We know it is not convenient for everyone to find the time to drive to our office, and the hiring process can be handled by phone, fax, email, or regular mail, if needed.
A. When the resolution of a debt involves a legal filing, very, very few of our clients ever go to court. Almost all of the matters we handle are resolved outside of court, or without the need to call a client to court. As your attorney, we are authorized to act on your behalf. Unless you are issued a subpoena by the opposing attorney, you do not need to appear in court.
A. If a lawsuit has been filed against you in Magistrate Court, or some other small claims court, it will likely range from 1-2 months before the matter is decided. Cases filed in State, Superior, or another court of general jurisdiction, can last from a few months to a few years; but, on average, such a case would last approximately 9 months or less.
A. The answer to both questions is yes. Settlements for a “lump sum” are usually for a lower amount as the creditor or debt collector will not have to wait, so there is no risk of a future default for non-payment. If that is not an option, settlements can be paid out in regular installments over time.