Let’s Take The First Step To Challenge Claims of Your Debt Collector

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When debt is bought and sold between collection agencies, documentation frequently gets lost, distorted, or incomplete. Our attorneys examine the claim before responding, and challenge everything that doesn't hold up.

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What We Do

At Credo Legal, we don't take collection lawsuits at face value. Before filing a response, we investigate the claim, examining the collector's documentation, chain of ownership, and the legal basis for the suit. If the debt can't be proven, we challenge it. If it's been inflated or misrepresented, we fight that too.

  • Examine the collector's documentation and proof of ownership.
  • Challenge debt validity where records are incomplete or distorted
  • File your legal response addressing the specific weaknesses in their claim
  • Pursue dismissal or removal of invalid debts from your credit report
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Why Choose Credo Legal

  • Licensed Attorneys, We Challenge, Not Just Respond: We don't just file an answer. We examine the claim and attack its weaknesses.
  • We Demand Proof: The collector must prove they own the debt, that it's accurate, and that they have the right to sue.
  • We Challenge Debt Validity: Errors, inflated balances, missing documentation, all become grounds for defense.
  • Dismissed Debts Come Off Your Credit Report: A successfully challenged debt may be removed from your credit report entirely.
  • Flexible Payment Plans: Attorney-led defense structured around your budget.
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Common Problems We See

  • Debts Sold Without Complete Records: Collection agencies buy portfolios of debt, often without full documentation. The paper trail breaks down.
  • No Proof of Ownership: The entity suing you may not be able to prove they legally own the debt they're claiming.
  • Inflated or Incorrect Balances, Fees, interest, and errors can be added over time, the amount claimed may not reflect what was originally owed.
  • Zombie Debts: Old debts past the statute of limitations brought back to court by new collectors.
  • Debts You Don't Recognize: Sold multiple times, often without notice, many consumers are sued by collectors they've never heard of.
  • Misrepresented Claims, Collectors sometimes file suits with inaccurate or exaggerated information, a violation in itself.
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How Our Program Works

  1. Free Consultation: Tell us about the lawsuit. We review the complaint and the debt at no cost.
  2. Debt Investigation: Our attorneys examine documentation, ownership records, and the legal basis of the claim for vulnerabilities.
  3. Legal Response Filed: We file your answer incorporating every valid challenge to the collector's claim.
  4. Resolution: We fight to dismiss the case, negotiate a reduction, or have the debt declared invalid and removed from your credit report.

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Your Rights Under Federal Law

The burden of proof is on the collector, not on you:

  • Collectors must prove they legally own the debt before they can sue to collect it
  • The amount claimed must be accurate, misrepresenting what is owed is a federal FDCPA violation
  • If the debt was sold, the collector must prove an unbroken chain of ownership and documentation
  • Debts past the statute of limitations cannot be legally enforced
  • A successfully challenged and dismissed debt can be removed from your credit report under the Fair Credit Reporting Act
  • You have the right to demand the collector verify the debt in writing before you are required to respond
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Who This Program Helps

  1. Anyone sued by a debt collection agency they may not recognize
  2. People who believe the amount being claimed is incorrect, inflated, or includes fees they don't owe
  3. Those whose debt has been sold multiple times and may lack complete documentation
  4. Anyone who wants the claim independently examined before deciding how to respond
  5. People looking for an attorney who will actively challenge the debt, not just negotiate a payment

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Frequently Asked Questions

Our Team is always happy to help.

How do I know if the collector actually has proof of my debt?

You often don't, until an attorney demands it. Many collectors file suits hoping for a default judgment before anyone checks. We check before we respond.

What happens if the collector can't prove the debt?

The case can be dismissed. A dismissed debt can then be disputed with the credit bureaus and removed from your credit report, potentially improving your score significantly.

What is a "zombie debt" and do I have to pay it?

A zombie debt is an old debt, often past the legal time limit for collection, that resurfaces when bought by a new collector. In many cases, no, you don't. We can review whether the statute of limitations has passed.

Do I still need to respond to the lawsuit even if I think the debt is wrong?

Yes, and urgently. Failing to respond results in a default judgment regardless of whether the debt is valid. We file the response and raise the validity challenge simultaneously.

How much does this cost?

Your consultation is free. We offer flexible payment plans and will explain all options before any commitment is made.

Don't Pay a Debt Until You Know It Can Be Proven.

Collectors file suits counting on you to give up. Our attorneys demand proof first, and fight on what they find.

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Disclaimer- This is attorney advertising. Prior results do not guarantee a similar outcome.

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Attorney Advertising: Prior results do not guarantee a similar outcome.

The information on this website is for informational purposes only and is not legal advice. Viewing this site does not create an attorney–client relationship. Please consult an attorney for advice regarding your specific situation.

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