Don’t assume that you can’t afford an attorney.  There are laws that allow your attorney fees to be paid by the debt collector or creditor if you win your case. Additionally, the vast majority of CJE’s clients are struggling financially therefore this fact is always taken into consideration when determining how best to accomplish the client’s objectives and keeping the lights on. 

Most borrowers feel that they cannot afford an attorney so that don’t appear in court to defend themselves and the debt collector/creditor gets a windfall by obtaining a hassle-free default judgment.  Or, if the borrower does show up they enter into an immediate settlement or stipulation consenting to a future judgment as soon as the borrower misses a payment under the stipulation/settlement. See more about those here and here. The judgment allows the debt collector/lender to garnish wages, levy bank accounts, place liens on homes, etc.  At CJE the initial consultation is free of charge so it costs the borrower only a phone call. 

Consumer protection law on the plaintiff’s side is an area of law that advocates for the consumer against business entities or corporate america acting in a manner that violates the consumer’s rights.  CJE advocates for consumers against debt collectors, creditors, lenders, credit unions, car dealerships, credit reporting agencies, automobile manufacturers, etc. engaging in a deceptive, misleading and unfair practices that injure the consumer.See more here.

Even if you truly believe that you owe the debt the law may say that you do not owe the debt and/or you may not owe the amount being claimed.  Consumers are sometimes afraid to defend themselves against a lender or debt collector in a lawsuit and that is what the debt collector and creditor thrives on.  The law firm defending the debt collector/creditor is depending on you feeling helpless and defeated that way they receive an easy default/consent judgment against you.  You have debtor, repossession and consumer protection rights, even if you owe debt, that an experienced consumer rights lawyer can assert in court on your behalf. You may also be entitled to damages.  Contact CJE to find out your options.

The attorney working on your matter will keep you informed about your case.  Typically, email is the communication method that works best for both client and the attorney.

Maybe but it will not likely accomplish anything as the manager and the entire debt collection company are typically on the same page.   They will do what they need to in order to collect regardless of the circumstances or protestations by the consumer.

No.  Nor can the debt collector make a false threat to do so.  Any false or unlawful threats by a debt collector may violate consumer protection laws entitling you to damages.  Contact CJE here to determine if you have a consumer protection claim.  

Violation of the Fair Debt Collections Practices Act by the debt collector or its lawyer may entitle the consumer to a maximum of $1,000 against each debt collection company or law firm.

In the District of Columbia if you have taken the car to the dealership at least four times in an attempt to fix the same problem or the car has been out of service for a cumulative of 30 days or more then you may have a lemon law claim.

In California, if the car has been taken for repair of the same problem four or more times or out of service for a cumulative of thirty days or more then you may have a lemon law claim. 

Contact CJE to determine your options.