Frequently Asked Questions

Q: What is debt validation and how does it come into play in lawsuit resolution?

A: Debt validation is the process by which the FDCPA requires a third party collector (someone who is either assigned your debt to collect by a creditor, or someone who acquires a debt from the original creditor) to validate the debt and the collector’s chain of title and right to collect on the debt. If the creditor does not properly follow the validation process, it may not be able to collect on the debt, or it may be liable for penalties that help in resolving or eliminating the debt.

Q: What other ways might a creditor violate your rights that could help in resolving your debt or in money to you?

A: There are limitations on how a creditor may contact you, including how often they may contact you, and what they are allowed to say in these communications. If a creditor violates these limitations, the creditor may be responsible to you for damages, which could help reduce or eliminate your debt or result in monetary damages being paid to you. Call JJS and speak with one of our lawyers to discuss your rights.

Q: Your mailing address is not in my state, can you still help me with resolving my lawsuit?

A: Yes, JJS law has a team of lawyers in a large number of states who can assist with your claims. When you contact us, we will be able to identify for you if we can help you with your claim.

Q: What do you need from me to help resolve my lawsuit?

A: We will need information concerning all your sources of income and your expenses each month.  We will conduct a thorough consultation with you to determine what your hardship maybe and the best approach to discussing resolution of your lawsuit with your creditor.

Q: Must I pay for the consultation?

A: No, our consultation is free. You only need to pay us if you decide to retain us. And, typically, our fee is a flat fee to provide service to you through resolution of
your case.

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