Debt Collection Defense Strategies

Summary

Debt collection defense involves understanding your rights under the fair debt collection practices act, such as requesting debt validation and recognizing the statute of limitations, which is three years in maryland for most debts. Debt collectors cannot use unfair practices. Consider consulting a local attorney for personalized advice.

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Nataly Perez
Hi Nataly! How can I assist you with your legal issue today? Feel free to share a bit more about the situation.
can you write in formal format for a summons that basically they don't hsave proof of debt with this third party company, i understand they bought it from ulta but i didnt sign anything with them saying my debt is owed to them
Certainly! Here's a formal template you can use for a response to a summons regarding the debt issue:
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[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Date]
[Name of Court]
[Court Address]
[City, State, ZIP Code]
Re: Case No. [Insert Case Number]
Dear [Court Clerk/Judge's Name],
I, Nataly Perez, am writing to formally respond to the summons received regarding the alleged debt with [Third Party Company Name]. I assert that there is no proof of debt obligation to the aforementioned company, as I have not signed any agreement or contract with them. The debt in question was purchased from Ulta, and I have had no prior communication or agreement with the third party.
I request that the court dismiss this case due to lack of evidence of debt obligation to the third party company. Please find attached any relevant documents supporting my claim.
Thank you for your attention to this matter.
Sincerely,
Nataly Perez
[Contact Information]
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Make sure to fill in the placeholders with your specific details before submission. If you need further assistance, feel free to ask!
can you include any md law plesse
It seems like you're looking for information on Maryland law regarding debt collection. While you're in New York, here's some general information about debt collection laws that can be similar across states, including Maryland:
- Debt Validation: Under the Fair Debt Collection Practices Act (FDCPA), you can request a debt collector to validate the debt. They must provide verification of the debt upon request.
- Statute of Limitations: Each state has a time limit on when a creditor can sue for a debt. For Maryland, this is usually three years for most debts.
- Unfair Practices: Debt collectors are prohibited from using abusive, unfair, or deceptive practices to collect a debt.
If you have specific questions about Maryland law or need further assistance, let me know!