It is worth knowing that even if a creditor has violated harassment laws, that generally does not make the debt go away (but you could be entitled to compensation).
Likewise, just because a debt does or does not appear on your credit, that does not always mean you don’t owe the debt. Often, I talk to consumers who have previously used “credit repair companies,” so that the bad debt doesn’t show on their credit report anymore; but the debt can still be collected upon.
There really are almost no sure fire ways of making a debt “go away,” without payment, absent fairly unique circumstances or passing the “statute of limitations.” The statute of limitations can be a significant protection, but often consumers are misinformed on how it works;
In most cases, it’s in your best interest to consult with a proven attorney to evaluate your rights. That’s because a lawyer can help you negotiate with creditors, explain your legal options, and defend you in court in case you get sued. Give us a call today to discuss the details of your case and learn how we can help.