There are debt collection lawyers in Iowa who do file lawsuits. While many out of state debt collectors do little more than send threatening letters and make threatening phone calls, contacts by Iowa debt collection attorneys frequently result in lawsuits being filed.
The first sign of serious trouble from an Iowa debt collector is usually a "right to cure" letter giving notice of default and an opportunity to resume payments to cure the default. This letter is frequently followed with a lawsuit, which may soon be followed by a default judgment and garnishment of wages or bank accounts if the lawsuit is ignored. At that point, options are much more limited. Correspondence or service of process from these law firms should be taken seriously. That does not mean you should necessarily send payment to "cure" the default. You should contact a lawyer immediately
Many times there are valid defenses to lawsuits or arbitrations filed by Iowa debt collection law firms such as the Litow Law Office, Wetsch & Abbott, Brumbaugh & Quandahl, Abendroth & Russell or the Bertroche Law Office. Even where there are no defenses, credit damaging judgments can be avoided or settlements can be had for less than the amount claimed in a lawsuit. Options become limited, however, the longer a consumer waits to obtain qualified legal assistance. If you have received a right to cure notice or a debt collection lawsuit from one of the following debt collection attorneys, please contact us to discuss your situation.
If a debt collection lawsuit has been filed against you, your rights have been violated, you want collection harrassment to stop or if you just want to discuss your situation, the Johnson Law Firm is here to help. Click the above link for a free consultation or call us at (515) 224-7090. You have nothing to lose.