Why did I get this letter or email?
We received notice from public records that legal action has been initiated against you or that you may need help with a Chapter 13 bankruptcy filing. We have provided you with advance notice so you can evaluate your options in responding to the legal action or Chapter 13 filing. If you received our notice before getting information from the court or your mortgage company, you should receive notice in the next few days.
Is this a scam?
No. We invite you to check with the clerk of the court for the county in which the legal action is filed to verify the information contained in our letter/email. If our notice pertains to a foreclosure, we invite you to check with your mortgage company on the status of your mortgage. In many instances, our letter/email arrives before you receive notice from the court. You should receive a summons or other notice from the court within the next few days regarding the matter.
How did you get my contact information?
Address information is obtained from the legal notice we received from the court or public records. Email information is public record and can be obtained with a name and address. We make every effort to assure that email addresses we obtain are verifiable; however, we sometimes unknowingly receive old email addresses and send information to those accounts. If that happened in your case, we apologize for any inconvenience that this may have caused you.
I don’t recognize the creditor in the letter or email you sent me. What is this about?
In many cases, a creditor will write off a debt you owe and sell the debt to a collection company. The party taking legal action against you may be a collection agency. The only information we obtain from the court is the name of the parties involved in the lawsuit, the address for the defendant (you), and the case number. You can get additional information about the legal action by calling the clerk of the court for the county in which the legal action was filed or go to our Court Records page to look up the information on your own.