If a creditor or debt collector has served you with a lawsuit and you do not file an answer within 45 days, you may be able to avoid a default judgment and have your day in court. The following discussion summarizes Georgia’s policy of deciding cases based on the facts or “on the merits” rather […]
Suppose you are struggling to pay your debts. You may question whether you should hire a debt defense attorney or a debt settlement company to assist you in negotiating with the credit card company, debt collection attorney, or debt collector. In almost all cases, it is best to avoid debt settlement companies. Debt Settlement Generally […]
As a consumer in Georgia, you have the legal right to truthful information about products and services you purchase or wish to purchase. When we make a purchase, we need to be able to trust the merchant is being truthful. But, when a business sells you something fraudulently, they need to be held accountable. Consumer Fraud is […]
Why do so few consumers in debt collection lawsuits have a debt defense lawyer? Unfortunately, the main reason is that many consumers choose to ignore the lawsuit because they do not think that they can succeed against the credit card company or debt collector. Sadly, if a defendant does not participate in the litigation, the […]
As a Sandy Springs Traffic Ticket Attorney, Diwan Law fights reckless driving tickets and all other traffic violations in Sandy Springs and the surrounding areas. Contact Diwan Law at 404-635-6883 today for a free consultation. GEORGIA RECKLESS DRIVING Georgia considers Reckless Driving a serious traffic violation. If convicted of reckless driving, the court may impose […]
Once a certain amount of time has elapsed, a debt collector, credit card company, or creditor can no longer file suit against you to collect on the debt, but you still have to worry about a collector trying to collect this zombie debt. What is a Zombie Debt? Zombie debt is old debt that is […]
The U. S. Court of Appeals for the Second Circuit held that a debt collector did not violate the FDCPA by sending the consumer a settlement offer letter that did not disclose that his balance could increase due to interest and fees. In Cortez v. Forster & Garbus, LLP, a creditor placed a consumer’s credit […]
What is a Debt Collector in Georgia? A “debt collector,” as defined by the Fair Debt Collection Practices Act [“FDCPA”], is a person or a business that regularly collects debts owed to another. Still, this definition does not fully explain what a debt collector is. Most first-party creditors [credit card company or bank] or lenders […]
Are you being harassed by debt collectors? Contact Diwan Law today at 404-635-6883 to schedule a free consultation to discuss how the Fair Debt Collection Practices Act [FDCPA] can help you. When you fall behind on your debts, it seems like your creditors will stop at nothing to try to get you to make a […]
