Believe it or not, people quite often receive collection notices or can be served with a lawsuit from a creditor or collection company whom they don’t recognize. This occurs because creditors frequently sell or assign debts to collection agencies. Fortunately, there are both Federal and Arizona laws which provide consumers/debtors certain rights which enable him or her to ask for information about the debt in question. This is often referred to as debt verification.
In fact, if the debt collector is unable to provide the consumer with verification of the debt, he or she can no longer attempt to collect on that debt until the debt is verified, no matter how long it takes. If the debt collector does not provide a consumer with the verification of the debt and still pursues the collection, the debt collector can be sued. In such cases, the consumer can be awarded up to $1,000 in statutory damages plus reasonable attorney fees, actual damages and court costs.
Call 480-755-8000 to speak with our Arizona debt relief attorney today for immediate help.