Debt is a common problem for millions in America alone. Many people often ask questions,searching for answers to relieving debt. Under the law in most states, the debtor has the right to writethe creditors, asking for extensions on the debt or else pleading for leniency. Few debtors may offerto write off the debt or else may agree to an agreement on payments.
Some debts may lead to lawsuits, thus why legal advice is needed in most instances. If you aresuffering from an overload of debt and are pending judgments, summons, or injunctions to appear incourt, make sure you record all communications in writing between the creditors and your self,including saving copies of all phone calls, conversations, letters and so forth to help you through theprocess in courts.
If you made effort to pay off the debts, keep all receipts and any other information that will showgood faith on your part in court. Judges who notice a payment attempt on the debtor’s part will oftenshow hostility toward creditors and let them know that court time is wasted, since the debtor hasshown good faith, even if the payments are less than the amount of the monthly installments.
Furthermore, if you made effort to repay your debts at a minimal payment, this will help you in thecourtroom as well as prevent additional problems later. Under law, if you have asked your creditorsto stop phone calls and letters under a summons, judgment, or injunction, and the creditors continueto harass you--under law--these creditors are wrong and this can be brought out in court also. Again,make sure you keep all records of negligence on the creditor’s part if this is true. If you have made aserious effort to repay your debts, you can only gain by proving that with records.