I am being sued in Texas by Scott & Associates PC for a Capitol One debt. I received the lawsuit late friday afternoon. It says I have 14 days to file an answer with the court. Along with the lawsuit paperwork I also received a small note saying contact us this can be resolved outside of court. I am new to all of this and not sure what to do. Does anyone have any experience with this law firm? What are my options?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.