{"id":1041,"date":"2021-09-24T09:00:33","date_gmt":"2021-09-24T09:00:33","guid":{"rendered":"https:\/\/nwdebtdefense.com\/?p=1041"},"modified":"2022-08-18T08:38:03","modified_gmt":"2022-08-18T08:38:03","slug":"when-will-a-debt-collector-sue-you","status":"publish","type":"post","link":"https:\/\/nwdebtdefense.com\/when-will-a-debt-collector-sue-you\/","title":{"rendered":"When Will a Debt Collector Sue You?"},"content":{"rendered":"<h2><span class=\"ez-toc-section\" id=\"How_a_Debt_Collector_Can_Sue_You\"><\/span><strong>How a Debt Collector Can Sue You<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<label for=\"ez-toc-cssicon-toggle-item-66284ae79227a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66284ae79227a\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/nwdebtdefense.com\/when-will-a-debt-collector-sue-you\/#How_a_Debt_Collector_Can_Sue_You\" title=\"How a Debt Collector Can Sue You\">How a Debt Collector Can Sue You<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/nwdebtdefense.com\/when-will-a-debt-collector-sue-you\/#From_Receiving_Collection_Calls_to_Getting_Sued\" title=\"From Receiving Collection Calls to Getting Sued\">From Receiving Collection Calls to Getting Sued<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/nwdebtdefense.com\/when-will-a-debt-collector-sue-you\/#Dealing_with_Debt_Collectors_Threatening_to_Sue\" title=\"Dealing with Debt Collectors Threatening to Sue\">Dealing with Debt Collectors Threatening to Sue<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/nwdebtdefense.com\/when-will-a-debt-collector-sue-you\/#The_Statute_of_Limitations_on_Debt\" title=\"The Statute of Limitations on Debt\">The Statute of Limitations on Debt<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/nwdebtdefense.com\/when-will-a-debt-collector-sue-you\/#The_Debt_Collection_Process_and_Seeking_Legal_Help\" title=\"The Debt Collection Process and Seeking Legal Help\">The Debt Collection Process and Seeking Legal Help<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><a href=\"https:\/\/nwdebtdefense.com\/wp-content\/uploads\/2021\/09\/How-a-debt-collector-can-sue-you.webp\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1043\" title=\"How a debt collector can sue you\" src=\"https:\/\/nwdebtdefense.com\/wp-content\/uploads\/2021\/09\/How-a-debt-collector-can-sue-you.webp\" alt=\"How a debt collector can sue you\" width=\"700\" height=\"467\" srcset=\"https:\/\/nwdebtdefense.com\/wp-content\/uploads\/2021\/09\/How-a-debt-collector-can-sue-you.webp 1024w, https:\/\/nwdebtdefense.com\/wp-content\/uploads\/2021\/09\/How-a-debt-collector-can-sue-you-300x200.webp 300w, https:\/\/nwdebtdefense.com\/wp-content\/uploads\/2021\/09\/How-a-debt-collector-can-sue-you-768x512.webp 768w\" sizes=\"(max-width: 700px) 100vw, 700px\" \/><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Debt settlement is not easy, even more so if a debt collection agency calls you non-stop, asking you to repay what you owe. As the term suggests, unfair collection practices are unfair, harassing, deceptive, or unlawful methods that debt collectors use to ask for payment. Here, a hands-on <\/span><a href=\"https:\/\/nwdebtdefense.com\/\"><span style=\"font-weight: 400;\">Portland debt defense lawyer<\/span><\/a><span style=\"font-weight: 400;\"> can help you take legal action and decide if suing the party at fault is the best option.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Borrowed money that has not been repaid could lead to a slew of complicated events. It is not uncommon for a debtor to be harassed by a <a href=\"\/what-are-your-options-after-being-sued-for-debt\/\">debt collection<\/a> company, which should not be the case. Debt collection law is regulated by statutes in other areas of law, and these unfair practices often involve identity theft or <a href=\"https:\/\/nwdebtdefense.com\/credit-report-review\/\">false credit reporting<\/a>. Seeking legal assistance early on can help you deal with lawsuits appropriately.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"From_Receiving_Collection_Calls_to_Getting_Sued\"><\/span><strong>From Receiving Collection Calls to Getting Sued<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Collecting debt is a complicated process, with specific actions allowed and prohibited under guidelines set by the <a href=\"https:\/\/www.consumerfinance.gov\/consumer-tools\/debt-collection\/\" target=\"_blank\" rel=\"noopener\">Consumer Financial Protection Bureau<\/a>. Many lenders will make collection attempts (such as <a href=\"\/stop-debt-collection-call\/\">phone calls<\/a>, past due invoices, or even a threatening letter) once a debt is 30 days past due. However, after more or less 180 days, they will likely turn the account over to an agency offering debt collecting services.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Most of the time, a debt collection company will sue for unpaid debt when it believes it has a good chance of successfully collecting repayment. Common factors include the agency&#8217;s ability to locate the borrower, whether there are assets that have positive equity (such as real property), the amount of the debt owed, the expected collection amount, state law regarding wage garnishment, the age of the debt, and the statutes of limitations.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Dealing_with_Debt_Collectors_Threatening_to_Sue\"><\/span><strong>Dealing with Debt Collectors Threatening to Sue<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Debt collection companies are notorious for attempting to collect debts from the wrong people. Partly because debts are often sold by the original creditor to a third party and possibly resold again, a debt collector\u2019s information will likely be incomplete. As such, it is essential to <a href=\"https:\/\/nwdebtdefense.com\/what-you-should-not-say-to-a-collection-agency\/\">be extra careful when you talk with debt collectors<\/a>, especially if they threaten to file a lawsuit. Keep a record of all phone calls, including the customer representative\u2019s name, what they said, and even the time and date of the call.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Always keep in mind that giving them your bank account and other payment information or even simply <\/span><b>promising<\/b><span style=\"font-weight: 400;\"> to make a payment may be taken as acceptance of the debt. They have a <a href=\"https:\/\/nwdebtdefense.com\/debt-collection-defense\/\">legal obligation to give you information about the debt<\/a> they attempt to collect, so asking for details can help you determine if the debt is past its statute of limitations. These pieces of information will be helpful if their threat to sue is a violation of the FDCPA.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Statute_of_Limitations_on_Debt\"><\/span><strong>The Statute of Limitations on Debt<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">It is not uncommon for a debtor to, out of nowhere, receive a call from a creditor or collector. What not a lot of debtors are aware of, however, are state laws indicating the <a href=\"https:\/\/nwdebtdefense.com\/what-is-the-statute-of-limitations-on-debts\/\"><strong>time limit for a particular debt to be <\/strong><\/a><\/span><b>barred<\/b><span style=\"font-weight: 400;\">. If you ever get a call from a debt collection agency asking you to repay a debt you no longer recognize, refer to your records and the <\/span><b>debt validation letter<\/b><span style=\"font-weight: 400;\"> to clarify any discrepancy. Doing so will help you determine if you should challenge the debt.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In general, debt collectors can still ask you to <\/span><b>pay back<\/b><span style=\"font-weight: 400;\"> what you owe even after the statute of limitations expires. As long as they are not violating relevant debt collection laws, they are generally &#8216;allowed&#8217; to ask for repayment, either by calling you or sending you letters. However, if a debt collector is filing or is <\/span><a href=\"https:\/\/nwdebtdefense.com\/facing-a-debt-lawsuit-heres-what-you-should-do\/\"><b>threatening to file a lawsuit<\/b><\/a><span style=\"font-weight: 400;\"> for a time-barred debt, they may be violating the <\/span><a href=\"https:\/\/www.ftc.gov\/enforcement\/rules\/rulemaking-regulatory-reform-proceedings\/fair-debt-collection-practices-act-text\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Fair Debt Collection Practices Act<\/span><\/a> <span style=\"font-weight: 400;\">or FDCPA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In certain states, the statute of limitations is counted after the most recent payment was made, even if it was made during collection. In other places, it automatically begins once you fail to make a required payment or when the loan becomes <\/span><b>delinquent<\/b><span style=\"font-weight: 400;\">. It is essential to remember that even if the statute of limitations has already expired, a court may still award a judgment against you if this statute is not properly raised as a <\/span><a href=\"https:\/\/nwdebtdefense.com\/debt-collection-defense\/\"><span style=\"font-weight: 400;\">debt defense<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span class=\"ez-toc-section\" id=\"The_Debt_Collection_Process_and_Seeking_Legal_Help\"><\/span><strong>The Debt Collection Process and Seeking Legal Help<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Naturally, a creditor will be asking a debtor to pay off what the latter owed. Creditors would likely call you, harass you, or send a letter demanding repayment, especially if payments are past due dates. However, it is essential to make sure that as they ask you to pay back, they do not violate any relevant statute on collecting debts. If you believe that your consumer rights have been violated, seek legal advice from seasoned Portland debt defense attorneys. They can provide reliable legal representation, especially if there is a need to sue and bring a specific lender or debt collection agency to court.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You do not have to deal with unfair collectors or debt collection agencies alone. If you have questions about unlawful debt collection practices, make sure that your legal rights are protected. Our team at Northwest Debt Defense Law Firm has extensive experience in providing debt relief. Contact our <\/span><a href=\"https:\/\/nwdrlf.com\/contact\/\"><span style=\"font-weight: 400;\">Portland debt defense law firm<\/span><\/a><span style=\"font-weight: 400;\"> today.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>How a Debt Collector Can Sue You Debt settlement is not easy, even more so if a debt collection agency calls you non-stop, asking you to repay what you owe. As the term suggests, unfair collection practices are unfair, harassing, deceptive, or unlawful methods that debt collectors use to ask for payment. Here, a hands-on [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1043,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[22],"tags":[],"_links":{"self":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1041"}],"collection":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/comments?post=1041"}],"version-history":[{"count":2,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1041\/revisions"}],"predecessor-version":[{"id":1277,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/posts\/1041\/revisions\/1277"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/media\/1043"}],"wp:attachment":[{"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/media?parent=1041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/categories?post=1041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nwdebtdefense.com\/wp-json\/wp\/v2\/tags?post=1041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}