Collections Law: Help for Debtors

Are you being hounded by a collection agency or a collection attorney?  Whether there is a court award (a "judgment") against you or not, you have rights. If you are in debt, I can do all of these things to help you:

  • I can ensure that you are treated fairly at all times in the collections process, and that justice is done.
  • If you are served with a summons, please contact me immediately -- time is crucial, because you have only 30 days to respond and to raise all the legal defenses that may help you. For example, even if you have not paid a debt, you may be off the hook for it if the "statute of limitations" (legal time limit) for collection of that debt has passed.  Any defense not presented to the court in the 30 days may be lost; if you do not respond at all to the summons, a default judgment will probably be entered against you. However, if you contact me right after you receive a summons, I can evaluate your case and claim all of your defenses for you.
  • I can take care of all letters and phone calls from collection agencies for you. You won't have to handle them anymore.
  • I can take care of all legal correspondence and court paperwork for you.
  • I can appear in court and fight for you at all court hearings.
  • If there is a lien or writ of possession against your property or possessions, I can determine the lawfulness of the lien or writ of possession and make sure you get the benefit of every legal defense against collections.  As a debtor, you have the right to many legal protections.  For example, there is a homestead exemption that gives limited protection of your house against creditors. If you contact me either before a judgment has been entered against you, or as soon as possible afterwards, I can protect you against any unlawful attempts to seize your property or possessions.

No matter what your situation, I will negotiate for you to ensure the best possible result. If there is already a judgment against you, I have the skill and professional experience to negotiate for you to pay the minimal amount possible, and to obtain for you a flexible payment plan that fits your budget. Please call me today for help.

How to Contact Bruce A. Wilson, APLC

I make an effort to accommodate urgent matters, and new clients are always welcome. For more information or to make an appointment, please contact me either by:

Telephone: (619) 497-0627


I can be reached by telephone Monday through Friday, 9:00 a.m. to 5:30 p.m. You may also use the form below to contact me. This form is answered Monday through Friday during the work day. Please remember that for me to become your attorney, we must first have a written attorney-client agreement signed by both of us, so please do not email any confidential information at this point. After I have reached an agreement with you, we can then exchange information freely. I look forward to helping you.

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