I just recieved a demand/intent letter, what do I do?

A demand/intent letter itself is not going to impact you in any legal way, but is rather informing you of the intent to escalate the situation if the debt is not paid.

We understand that life gets rough and that you might not be able to pay the debt in full right away. We are willing to work with you to create a payment plan so you can pay the debt with as little stress as possible. Contact us to see if your account is eligible for payment plans.

Liens are ways for a creditor (the company) to collect other assets from a debtor (you) in order to pay the debt. This is a legal process that goes through the court system, but could result in the seizure of assets, or the freezing of assets until the debt is paid. The best way to avoid this is to pay the debt. Before a lien is filed with the court, we will send a letter to you informing you of our intent to lien.

ADR is a way for both you and the creditor to come to a mutually beneficial agreement about your debt. Contact us to see if your account is eligible for ADR.

We are required by law to prove to you that we are authorized to collect the debt IF IT IS REQUESTED. Until such time that the proof is delivered to you, we will stop attempting to collect the debt.