This summer, a woman came to us asking for help with a debt collector who was taking money from her bank account. In the past few years, the woman had experienced a range of health issues and was no longer able to pay her debts. The woman’s only source of income was social security, disability,…
COVID-19 has impacted everyday life in unimaginable ways. It has caused or contributed to many Americans losing their jobs. The coming weeks and months may be some of the most financially difficult for individuals and families. For many, this could mean taking on credit card debt or deciding which bills get paid. Others may be…
Frequently, a potential client contacts Voytas Law, LLC with two problems: they have just been sued over credit card or medical debt, and they don’t have any cash to deal with the problem because they decided to pay a “debt settlement” or “debt relief” company months ago to “negotiate” the debt away. While it is…
Voytas Law, LLC represents workers who have not been paid properly. We sometimes encounter employers who fire an employee and thereafter believe that the terminated employee is somehow less deserving of his or her final paycheck. Missouri law provides employees who quit or are fired with some important protections. We are able to use these…
When you are being pursued by a debt collector, the best time to dispute a debt that you do not agree with is immediately after you get the very first collection letter. The Fair Debt Collection Practices Act, Section 1692g (found here) requires a debt collector to notify you of certain dispute rights in the…
On occasion, we are asked to defend a small business or an individual in a collection lawsuit. One of the most overlooked defenses is embedded in Missouri Supreme Court Rule 55.27(a)(3), the text of which you can read here. If you are being sued for a debt, you need to check to make sure the…
Sometimes you just need some room to breathe and figure out what to do about a bad financial situation. When debt collectors are frequently calling your phone, it can feel like the walls are closing in. Fortunately, the law provides you with several tools to make the calls, letters, and other communications stop. The Fair…
Voytas Law, LLC is a law firm with a litigation practice in St. Louis, Missouri. Each individual suit presents different legal questions and challenges. This post is not intended as legal advice for your specific situation. Please call us if you have questions and we will be happy to talk with you. If you get…
Attorney Rick Voytas often represents consumers who are faced with debt collectors. You can reach him directly at 314-380-3166. Voytas Law, LLC offers no-charge consultations to consumer clients. When dealing with a debt collector, it is best to know your rights under the Fair Debt Collection Practices Act. You can find a link to the…