Debt Collection Defense Tips

Summary

If youre facing a debt collection hearing in Iowa, ensure you have all evidence, particularly emails acknowledging your cancellation attempt. Review your contract for specific cancellation terms and consider mentioning Iowas consumer protection laws during your hearing. Prepare all documents for your Zoom hearing and consider seeking local legal advice if needed.

Full Conversation

I have my first hearing coming up. I’m the respondent and the defendant is a collection agency representing the former business The smile Direct club for the total unpaid bill in invisible braces from back in *. I attempted to cancel within my 30 days but they basically gave me the run around if I was lucky enough to reach anyone. I have one email of the, accnowledging my attempt to cancel but
It sounds like you might have a valid defense if you attempted to cancel within the *-day period. Here are a few points to consider:
- Keep all evidence, including emails and any communication attempts.
- Highlight the acknowledgment of your cancellation attempt.
- Review your contract for cancellation terms.
Which state are you in? Different states may have specific consumer protection laws.
im From Iowa. During this time period, my debit card info was stolen and I had to cancel that card. They were no longer able to take their payments, all of a sudden I had '
Hey ****! It seems like you're dealing with a tricky situation. Here are a few things to consider for your hearing in Iowa:
- Keep all evidence, especially the email acknowledging your attempt to cancel.
- Review the contract for any specific cancellation terms.
- Consider mentioning consumer protection laws in Iowa.
Would you like guidance on finding a local lawyer to assist you further?
them contacting me,
Case Rating: *
It looks like you have some grounds for defense, especially with the email acknowledging your cancellation attempt. Make sure to bring all relevant documents to your hearing. If you need more help or decide to seek legal representation, feel free to reach out. Good luck with your case!
my hearing is via zoom
Case Rating: *
****, you've got some valid points for defense with your evidence and circumstances. Make sure you're prepared with all your documents for the Zoom hearing. It's a good idea to mention the consumer protection laws in Iowa. If you need further assistance, remember you can reach out to local legal professionals. Good luck!