Debt Collection Defense Litigation

McMullen Law Office, LLC Adds Debt Collection Defense

Protecting Criminal Defendants AND Now Consumers

Attorney Justin M. McMullen has spent more than five years protecting Defendants from the State of Ohio through his criminal defense practice in Dayton, Xenia, Beavercreek, Fairborn, and surrounding areas in the Miami Valley. Now, Attorney McMullen and McMullen Law Office, LLC is proud to announce that they are bringing that same fight to the protection of Ohio’s consumers against the debt collection companies hired by credit card companies who harass and hassle consumers into payment.

Bankruptcy is not your only option in debt collection defense

Many debtors believe that once these collections letters and lawsuits get filed, that bankruptcy is their only way out. Federal and State law allows you to demand that these debt collection companies PROVE IT.

  • They must prove that they own the debt.
  • They must prove that their debt calculations are right.
  • They must prove they are entitled to interest (if asked for).

There are many cases where they simply cannot PROVE IT. In these cases, you may be entitled to:

  • Having the debt claim forgiven.
  • Having your attorney’s fees paid by the debt collection company.
  • Receiving mandatory damages BY LAW.

What do I do if I have been sued?

You only have 28 days to file an Answer to a complaint in Ohio. If you are served with a complaint (by certified OR regular mail OR hand delivery by a process server), you MUST answer the complaint or the debt collection company wins AUTOMATICALLY. Do not let these debt collection companies take your hard-earned money without making them PROVE IT in court.

If you have been served with a lawsuit, Contact Us today for a FREE CONSULTATION to discuss your NON-BANKRUPTCY options.

THIS BLOG POST IS THE OPINION OF THE WRITER. EVERY CASE IS DIFFERENT AND REQUIRES A CAREFUL REVIEW OF ALL FACTS RELATING TO YOUR CASE.

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