Debt Collection Defense
Make the collector prove it
Third-party collectors and debt buyers operate on volume. They buy portfolios in bulk, often with nothing more than a spreadsheet, and rely on consumers not responding. Debt collection defense forces the other side to produce what the law actually requires: proof it owns the debt, proof of the amount, and proof it followed the rules getting there.
What's included
Validation and dispute demands
We invoke your validation rights in writing and hold the collector to the documentation it must produce.
Standing and chain-of-title defense
Bulk-purchased portfolios frequently lack the assignment records needed to prove ownership at trial.
Judgment and garnishment relief
Where a judgment exists, we pursue exemptions, motions to vacate where supportable, and negotiated payoffs.
FDCPA counterclaims
Collector misconduct can turn a case around — statutory damages and fees may be recoverable from the collector.
How it works
- 1Immediate review of notices, complaints, and deadlines
- 2Written validation demand or answer filed as required
- 3Discovery targeting ownership, balance, and compliance
- 4Motion practice, counterclaims, or negotiated dismissal
- 5Resolution documented and enforcement stopped