Many debt buyers do not have the evidence to prove their claims in court if they are challenged. Consumers are frequently being sued for inflated amounts or for debts they do not owe and should consider hiring a lawyer to defend themselves from unscrupulous collectors.
This recent article in the New York Times about the problems of huge numbers of debt lawsuits being filed in courthouses all over the country. The collection companies buy the debts for mere pennies on the dollar but often really have nothing but electronic data and no live witnesses to prove their claims. The debt collectors hope to make money on those cases where people are frightened by the often intimidating collector, or give up and do not even question the debt. Many times the claims being filed are for monthly late charges and over limit fees and inflated interest charges charged on top of the late and over limit fees themselves.
As a consumer advocate and attorney I have extensive experience in successfully defending consumers against debt lawsuits filed in Southern California courts. If you need legal assistance I can be contacted at 661-771-2281.
Attorney at Law