Consumer Debt

WTLS provides representation with debt collection lawsuits, repossession, debt collection harassment, garnishment, student loan collection, unfair sales practices, and contract issues.

Our attorneys and advocates provide high-quality legal representation to our clients in the following areas:

Bill Collector's Bugging You?

The law gives you rights when a bill collector tries to make you pay a debt. This law is called the Fair Debt Collection Practices Act. It tells bill collectors what they cannot do to collect money from you.

Buying a Used Car

Most used cars have problems and no warranty. The problems might show up right away or months later. Some dealers may hide a car’s problems or lie about them. Most used cars are sold “AS IS.” This means there is no guarantee the car is in good condition, and there is no return policy. If the car needs work, YOU pay for the repairs.

Have you been sued?

The judge's decision is called a judgment against you. The court can take your money or sell your things to pay the debt. You may be able to stop this if you file legal papers within 10 days.

Debt Collection Lawsuits

Creditors will often sue you to collect on debts they say you owe them. If they get a judgment against you, they can garnish your wages, seize personal property like cars and bank accounts, and place liens on real estate that you own.

How to Keep Your Paycheck From Being Garnished

Garnish means the money you owe comes out of your paycheck before you get it. The payment is sent to whomever you owe. Usually, your pay can be garnished only after you have been sued and you lost.

Sworn Accounts

What is a sworn account? It is a lawsuit with a signed paper from the company you owe. The law lets some companies sue you without proving that you owe the debt. They just sign a paper saying they swear that you owe the money.

My Car Was Repossessed

Repossession is when a creditor (the bank, car dealer, or loan company) takes your car or other item that you used as security (collateral) for a loan. Repossession usually happens when you get behind on payments

Paying a Deceased Relative's Debts

Who is responsible for paying a relative's debt? Most often, not you. The estate is responsible for paying their debts. If there isn't enough in the estate to cover the debts, they go unpaid.

Tips for Getting Out of Debt

Where is my money going? Make a budget. A budget helps you figure out a plan for your money. First, gather all your expenses, like your car note, rent, credit card payments, and utilities.