Frequently Asked Questions

Yes. The initial case review requires zero payment and carries no obligation. An attorney reviews your facts and outlines your options. You decide whether to move forward.

No. Requesting a case review has zero impact on your credit score. We do not run credit checks as part of the review.

Yes, and time matters. You typically have a limited number of days (often 20–30, varies by state) to file a formal response before the plaintiff can ask the court for a default judgment. Contact us immediately so we can evaluate your defenses and respond in time.

Most initial case reviews are completed within one business day after we have the basic facts. Complex matters involving multiple creditors, older debts, or unusual procedural history may take slightly longer.

We serve consumers across the United States, subject to the rules that govern attorney practice in each jurisdiction. We do not provide debt management services in Oregon. If we cannot handle your matter in your state directly, we will tell you honestly and, where possible, help point you toward appropriate counsel.

For the initial review, basic information is enough: the creditor or collector’s name, approximate debt amount, what kind of action has been taken (lawsuit, collection calls, garnishment), and your state. If we take your case, we’ll walk you through exactly what additional documents to gather.

The Fair Debt Collection Practices Act is a federal law that bars abusive, deceptive, or unfair practices by third-party debt collectors. When a collector breaks the FDCPA, you may be entitled to up to $1,000 in statutory damages, actual damages, and attorneys’ fees paid by the collector. In lawsuits, FDCPA violations are often asserted as counterclaims.

Often no. In many jurisdictions, you can move to vacate a default judgment if you were improperly served, didn’t receive the lawsuit papers, or have another valid reason. Once the judgment is vacated, we can defend the underlying case. Contact us as quickly as possible — there are time limits.

Nothing out of pocket. Both the FDCPA and many state consumer-protection statutes have fee-shifting provisions, meaning attorneys’ fees are paid by the defendant when you prevail. We handle qualifying matters on contingency: if we don’t recover or successfully defend, you owe us nothing.

Yes. Our case reviews and representation are provided by licensed attorneys. Nothing on this website is legal advice for any individual case or situation. An attorney-client relationship is formed only when a written engagement agreement is signed.