How We Resolve Your Debt Buyer Issues

Debt buyers—often called “junk debt buyers”—purchase old debts for pennies on the dollar and try to collect the full amount from you. They often lack the proper paperwork to prove they own the debt. We use this to your advantage.

Your Shield Against Predatory Collections

  • We Demand “Chain of Title”: Debt buyers often lose the paperwork when buying bulk debt. We aggressively demand proof of ownership. If they can’t prove it, they shouldn’t collect it.
  • Nationwide Experience: Whether it is the federal FDCPA or state-specific laws like the Texas Debt Collection Act, we know the rulebook better than the collectors do.
  • Protection From Harassment: We stop the phone calls. Once we represent you, the debt buyer must speak to us, not you.
  • Comprehensive Defense: We don’t just file paperwork; we look for expired statutes of limitations, incorrect fees, and opportunities to counterclaim for damages.

Transparent Pricing: No hidden surprises. We offer clear, fixed-fee and contingency structures so you know exactly where you stand.

Our Core Services & Pricing

Legal fees are based on the work needed to be done.

Debt Settlement

We negotiate directly with the debt buyer to lower your balance significantly, aiming for a fair resolution that saves you money.

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Dispute & Resolve (Pre-Litigation)

We force the debt buyer to validate the debt. We analyze the “Chain of Title” to ensure they legally own the account and check for accuracy. If they can’t prove it, we demand they close the file.

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Representation in Arbitration

$1000+Monthly Fee while in Arbitration
Many contracts allow for arbitration instead of court. We represent you in this private forum, which can often be more favorable for consumers than a public lawsuit.

Lawsuit Defense

Served with a citation? We file a Defendant’s Original Answer to prevent a Default Judgment. We handle Discovery, demanding they produce the original contract and assignment paperwork.

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Judgment Settlement

If you already have a court judgment against you, it is not too late. We can negotiate to settle the judgment for less than the full amount owed.

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File a FDCPA / FCRA Lawsuit

Contingency(We only get paid if we win money for you)
If a debt buyer has harassed you, lied, or violated federal laws, we turn the tables and sue them for damages.

Common Questions About Debt & Lawsuits

Get a complimentary personal consultation.

Call us today at (800) 890-8585