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SERVICES
When an individual becomes a client of the legal service, we inform all the creditors and debt collectors of the client’s judgment-proof status. If any debt collection activity continues after all creditors and collectors have been notified of our representation and told to cease contacting the debtor, we then send a warning letter demanding that the contact stop. If the collector continues to contact the client, the matter is often turned over to the law firm of Edelman, Combs, Latturner and Goodwin (www.edcombs.com), which specializes in suing debt collectors. To date, the Edelman firm has filed over 200 lawsuits on behalf of our clients and collected hundreds of thousands of dollars in damages. When a collection agency receives our letter informing them that our client is judgment-proof, the collector often will sell the debt to another company without informing the company that the account is uncollectible. The only time a debtor can be sure that he will not be pursued on an old debt is after the statute of limitations has run. In other words, by state law, a creditor or collector has a window of time in which they must collect a debt or, by law, the debt becomes uncollectible. Depending on the debtor’s state, the statutes of limitations range from 3 to 8 years. Most of our clients cannot afford bankruptcy fees. Therefore, our legal service is the only affordable defense that they can retain to help protect them from illegal harassment by debt collectors. |
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