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Debt Collection Legal Process
Summary
Debt collectors in Indiana must follow the Fair Debt Collection Practices Act. They cant harass or lie to you. If served court papers, you have 23 days to respond. Incorrect service should be reported. Seek legal advice to dispute the debt or ask for proof. Free legal help is available from Indiana Legal Services, Indiana Free Legal Answers, and local Legal Aid Societies.Full Conversation
I have a debt collector that bought my credit card debt
Hello ****, could you please let me know what state you reside in? This would help me provide accurate information relevant to your situation.
indiana
Hello ****, in Indiana:
- Debt collectors must follow the Fair Debt Collection Practices Act.
- They can't harass, oppress, or abuse you.
- They can't lie or use unfair practices to collect a debt.
- You can dispute the debt.
Is there a specific issue you're facing with this debt collector?
- Debt collectors must follow the Fair Debt Collection Practices Act.
- They can't harass, oppress, or abuse you.
- They can't lie or use unfair practices to collect a debt.
- You can dispute the debt.
Is there a specific issue you're facing with this debt collector?
They serve court papers but not to me but they court papers are for * different credit card but the same debt collector
****, in Indiana:
- Debt collectors should serve papers to the correct individual.
- If you're not the right person, inform them immediately.
- If it's your debt, consult a lawyer.
- Debt Collectors can sue for each debt separately.
- Debt collectors should serve papers to the correct individual.
- If you're not the right person, inform them immediately.
- If it's your debt, consult a lawyer.
- Debt Collectors can sue for each debt separately.
They left them in my door and served one to my Boyd
****, in Indiana:
- If they left the court papers at your door, it may still be considered legal service.
- If 'Boyd' is a person of suitable age and discretion living with you, it could also be considered legal service.
- Seek legal advice to understand your rights and possible defenses.
- If they left the court papers at your door, it may still be considered legal service.
- If 'Boyd' is a person of suitable age and discretion living with you, it could also be considered legal service.
- Seek legal advice to understand your rights and possible defenses.
The person just said they knew my but dont live there
****, in Indiana:
- If the person doesn't live with you, serving them may not be considered valid.
- Inform the debt collector about the mistake.
- Seek legal advice for further steps.
- If the person doesn't live with you, serving them may not be considered valid.
- Inform the debt collector about the mistake.
- Seek legal advice for further steps.
They told me to respond in 23 days
****, in Indiana:
- You have 23 days to respond to the summons.
- You can dispute the debt or ask for proof.
- Not responding can result in a default judgment against you.
- Consult a lawyer for appropriate response.
- You have 23 days to respond to the summons.
- You can dispute the debt or ask for proof.
- Not responding can result in a default judgment against you.
- Consult a lawyer for appropriate response.
Ok they have the credit card bill with sumons
****, in Indiana:
- The summons and credit card bill are likely part of the evidence of your debt.
- Review them carefully.
- If there are discrepancies, highlight them in your response.
- Seek legal help to prepare your response.
- The summons and credit card bill are likely part of the evidence of your debt.
- Review them carefully.
- If there are discrepancies, highlight them in your response.
- Seek legal help to prepare your response.
Ok is there someone that can help me for free
Sure, ****. In Indiana, there are organizations that offer free or low-cost legal help. You may want to consider reaching out to:
- Indiana Legal Services
- Indiana Free Legal Answers
- Your local Legal Aid Society or Community Legal Clinic
Remember to prepare all documents when seeking help.
- Indiana Legal Services
- Indiana Free Legal Answers
- Your local Legal Aid Society or Community Legal Clinic
Remember to prepare all documents when seeking help.
So the court documents are just the first step before they take me to court
Yes, ****, in Indiana:
- The court documents you received are known as a summons and complaint, the first step in a lawsuit.
- The next step usually is the court hearing.
- It's essential to respond within the time frame mentioned to avoid a default judgment.
- The court documents you received are known as a summons and complaint, the first step in a lawsuit.
- The next step usually is the court hearing.
- It's essential to respond within the time frame mentioned to avoid a default judgment.
Ok thank you
You're welcome, ****. If you have any more questions or need further clarification, feel free to ask. Remember, seeking professional legal advice is always recommended. Good luck with your situation.
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