At Sharinn & Lipshie, P.C. we want to assist the debtor to help themselves. Below are some consumer tips that can assist a consumer debtor in protecting their credit, and accounts.
When you receive a letter or phone call, please respond:
The matter canít be resolved if you do not respond. Sharinn & Lipshie, P.C. wants to work with debtors, and initiate an open dialogue. This is an opportunity to present your view point. At Sharinn & Lipshie, P.C. we have multilingual employees as well who may be able to assist you, so please do not hesitate to ask us for assistance.
Keep good records:
Records are vital to issues of your identity and payment history when discussing your delinquent account. Keep files of your bank records and other financial records or contracts, history of places lived and worked, and copies of correspondence concerning your debts. Most importantly keep verification that you have paid off the delinquent amount owed in full or from a settlement to be able to clear up any future inquiries. If the amount of the debt is incorrect, you will need to show that you made payments that were not credited to your account or some other reason why the amount claimed is not what you really owe. Having good records and communicating with us are very important to assist you and the creditor in resolving the issue.
Be honest about what you can afford:
If you are unable to pay the full amount at once, Sharinn & Lipshie, P.C. will work with you to come up with an achievable payment plan. Be sure to agree to a plan that you can stick with to avoid further collection efforts. Sharinn & Lipshie, P.C. will assist the you in structuring a debt repayment plan, to assist the you to satisfy the debt in question.
Speak up if the debt is not yours:
This is where good records come in very handy. You have the right to request further documentation, and information of the delinquent account. When validated, and you are not a victim of Identity theft, please contact us to explain the situation to us so we can come up with an appropriate payment option. If you are claiming Identity Theft, please provide Sharinn & Lipshie, P.C. with a police report, and we will send you an affidavit of fraud to be signed and notarized to process Identity theft, affirming the validity of your statements, under the penalty of perjury.
If you have an attorney, please have them contact Sharinn & Lipshie, P.C.
Once you have an attorney Sharinn & Lipshie, P.C. may only speak with your council, and no longer directly with you. Please be sure to supply us with the Name, Address, and phone number of your attorney so that Sharinn & Lipshie, P.C. may contact your attorney. If unable to provide that information please have your attorney fax over a power of attorney so we may commence speaking to them as soon as possible to begin to resolve the issue.
Please Donít ignore a summons and complaint we filed in court:
A Court Summons and complaint is an official document that requires you to either respond to the Court or appear in Court within a specified amount of time. The paperwork with the summons and complaint may contain a court date or instructions on what to do if you dispute the claim. If you think you do not owe the debt, pay close attention to these papers, and either contact us directly so we may research the matter, or file a timely answer. If you do acknowledge and owe the debt, please contact us right away so we may be able to arrive at a solution prior to the court date.
Be involved Ė the outcome is in your hands:
If you do not contact Sharinn & Lipshie, P.C. about repayment, or appear in court, a default judgment may be entered against you. A judgment is a legally binding document from a court of law and efforts will be made to collect the judgment amount from you. Depending on your circumstances we may garnish your wages, attach your bank account, and place liens on any real property. These are severe consequences that judgment enforcement entails, and we hope we are able to assist you prior to any of these actions if they are deemed appropriate.
We are Debt Collectors attempting
to collect a debt, and any information obtained during the process will be used
for such a purpose.